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# Is zakat compulsory per annum on items of gold or only once in a lifetime?

if once paid for zakat for a particular quantity of gold or money,  and this gold we keep for several years. For this gold we have to every year or one time only?

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu alaykum wa-rahmatullāhi wa-barakātuh.

Zakat on zakatable items must be discharged every year. It will not suffice to discharge zakat once in a lifetime.[1] You may refer to the following to determine how to calculate your zakat:

Calculating Zakah:

Zakāh will become compulsory on a sane and mature Muslim when his / her wealth exceeds the Nisāb and this amount of wealth is maintained for the duration of one entire lunar year. The Nisāb is 20 Mithqals (87.479 g) for gold and 200 Dirhams (612.35 g) for silver. Any currency equal to the amount of any of these Nisābs will also render Zakāh binding. For example, if the price of silver is quoted at R4.40 per gram then the Nisāb will equal approximately R2, 702. If one’s wealth decreases below the Nisāb during the year but before the expiry of the year, it reaches the Nisāb, Zakāh will be binding contrary to the case of the wealth not rebounding to amount of Nisāb upon the expiry of the year. However, if one loses his entire wealth, a new lunar cycle will begin after reaching the Nisāb for the second time. All debts and liabilities will be deducted from his wealth before calculating his estate. Only that particular year’s liabilities will be deducted from long-term debts such as car / home financing. Loans given and other receivables into one’s estate will be accounted for even if the person is not paid by his debtor for several years. Any gold or silver items such as jewelry, ornaments etc will also form part of Zakatable assets. If the percentage of gold or silver in the item is more than the metal alloy with which it is amalgamated the entire item will be considered as gold or silver. If the percentage of alloy is greater, if there is enough gold or silver where it is possible for it to be extracted, then Zakāh will be compulsory only on the value of the gold or silver therein and not on the entire item if the Nisāb is reached.  Similarly, any items purchased for trade will be subject to Zakāh and must be accounted for in the calculation. A person should add his / her cash savings, values of gold and/or silver, value of the merchandise of trade and any receivables from debts etc. Thereafter, he / she should deduct the amount of debts owed to others. If the value of the net total equals the Nisāb of gold or silver, he / she will have to pay 2.5% of the amount in Zakāh. Hereunder is a brief chart illustrating the calculation of Zakāh[2]:

 # Personal Wealth Amounts: 1 Amount of Cash and Savings at home or in the bank R 10,000 2 Current value of any gold and silver jewelry, coins, utensils etc R 5,000 3 Value of  assets and merchandise for trade R 20,000 4 Receivables and loaned amounts to others R 5,000 Total these amounts here: R 40,000 Amount Debts to be paid: R 20,000 Subtract the total amount of debts for the year from the above amount. Nett Total of Zakatable Wealth R 20,000 if the net total of Zakatable Wealth is more than the Nisab amount then… Multiply the nett total by 2.5% (nett amount x 0.025) R 500

And Allah Ta’āla Knows Best

AbdulMannan Nizami

Student Darul Iftaa
Chicago, IL, USA

Checked and Approved by,
Mufti Ebrahim Desai.

www.daruliftaa.net

[1] وَأَمَّا كَيْفِيَّةُ فَرْضِيَّتِهَا فَقَدْ اُخْتُلِفَ فِيهَا ذَكَرَ الْكَرْخِيُّ أَنَّهَا عَلَى الْفَوْرِ، وَذُكِرَ فِي الْمُنْتَقَى مَا يَدُلُّ عَلَيْهِ فَإِنَّهُ قَالَ: ” إذَا لَمْ يُؤَدِّ الزَّكَاةَ حَتَّى مَضَى حَوْلَانِ فَقَدْ أَسَاءَ وَأَثِمَ وَلَمْ يَحِلَّ لَهُ مَا صَنَعَ وَعَلَيْهِ زَكَاةُ حَوْلٍ وَاحِدٍ ” وَعَنْ مُحَمَّدٍ أَنَّ مَنْ لَمْ يُؤَدِّ الزَّكَاةَ لَمْ تُقْبَلْ شَهَادَتُهُ

[بدائع الصنائع في ترتيب الشرائع، کتاب الزکاة، ج۲، ص۳۷۱، دار الکتب العلمیة]

وَقَوْلُهُ {وَالَّذِينَ يَكْنِزُونَ الذَّهَبَ وَالْفِضَّةَ وَلا يُنْفِقُونَهَا فِي سَبِيلِ اللَّهِ} [التوبة: 34] الْآيَةَ فَكُلُّ مَالٍ لَمْ تُؤَدَّ زَكَاتُهُ فَهُوَ كَنْزٌ لِمَا رُوِيَ عَنْ النَّبِيِّ – صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ – أَنَّهُ قَالَ: «كُلُّ مَالٍ أُدِّيَتْ الزَّكَاةُ عَنْهُ فَلَيْسَ بِكَنْزٍ وَإِنْ كَانَ تَحْتَ سَبْعِ أَرْضِينَ وَكُلُّ مَالٍ لَمْ تُؤَدَّ الزَّكَاةُ عَنْهُ فَهُوَ كَنْزٌ وَإِنْ كَانَ عَلَى وَجْهِ الْأَرْضِ» فَقَدْ أُلْحِقَ الْوَعِيدُ الشَّدِيدُ بِمَنْ كَنَزَ الذَّهَبَ وَالْفِضَّةَ وَلَمْ يُنْفِقْهَا فِي سَبِيلِ اللَّهِ وَلَا يَكُونُ ذَلِكَ إلَّا بِتَرْكِ الْفَرْضِ وقَوْله تَعَالَى: {يَا أَيُّهَا الَّذِينَ آمَنُوا أَنْفِقُوا مِنْ طَيِّبَاتِ مَا كَسَبْتُمْ} [البقرة: 267] وَأَدَاءُ الزَّكَاةِ إنْفَاقٌ فِي سَبِيلِ اللَّهِ، وقَوْله تَعَالَى {وَأَحْسِنُوا إِنَّ اللَّهَ يُحِبُّ الْمُحْسِنِينَ} [البقرة: 195] وقَوْله تَعَالَى {وَتَعَاوَنُوا عَلَى الْبِرِّ وَالتَّقْوَى} [المائدة: 2] وَإِيتَاءُ الزَّكَاةِ مِنْ بَابِ الْإِحْسَانِ وَالْإِعَانَةِ عَلَى الْبِرِّ وَالتَّقْوَى.

[بدائع الصنائع في ترتيب الشرائع، کتاب الزکاة، ج۲، ص۳۷۰، دار الکتب العلمیة]

وَقَوْلُ النَّبِيِّ – صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ -: «وَأَدُّوا زَكَاةَ أَمْوَالِكُمْ طَيِّبَةً بِهَا أَنْفُسُكُمْ» مِنْ غَيْرِ فَصْلٍ بَيْنَ مَالٍ وَمَالٍ؛ وَلِأَنَّ الْحُلِيَّ مَالٌ فَاضِلٌ عَنْ الْحَاجَةِ الْأَصْلِيَّةِ إذْ الْإِعْدَادُ لِلتَّجَمُّلِ وَالتَّزَيُّنِ دَلِيلُ الْفَضْلِ عَنْ الْحَاجَةِ الْأَصْلِيَّةِ فَكَانَ نِعْمَةً لِحُصُولِ التَّنَعُّمِ بِهِ فَيَلْزَمُهُ شُكْرُهَا بِإِخْرَاجِ جُزْءٍ مِنْهَا لِلْفُقَرَاءِ.

[بدائع الصنائع في ترتيب الشرائع، کتاب الزکاة، ج۲، ص٤٠٥، دار الکتب العلمیة]

الفصل الأول في كيفية وجوبها

فنقول: ذكر أبو الحسن الكرخي رحمه الله في كتابه: إنها على الفور، وذكر الحاكم الشهيد في «المنتقى» أنها على الفور عند أبي يوسف ومحمد، وفي موضع آخر في «المنتقى» أنه اذا ترك حتى حال عليها حولان، فقد أساء وأثم، وعن محمد إن من لم يؤد الزكاة لم تقبل شهادته، وأن التأخير لا يجوز.

[المحيط البرهاني في الفقه النعماني، کتاب الزکاة، ج۳، ص۱۵٤، ادارة القران]

[فتاوی محمودیة، کتاب الزکاة، باب وجوب الزکاة، ج۹، ص۳۱۵، فاروقیة]

[فتاوی محمودیة، کتاب الزکاة، باب وجوب الزکاة، ج۹، ص۳۵۲، فاروقیة]

This answer was collected from Askimam.org, which is operated under the supervision of Mufti Ebrahim Desai from South Africa.