My wife has near about 110 gram gold jewellery (70-80, gram of this she get from her parents rest was arrange by me in other time intervals), on which zakah is compulsory I agree that, I am government employee and working on pay band of 5200-20200 for five years only, current gross salary is near about 24,000/- without HRA (accommodation is provided by employer) and getting Net Salary (for the month of June it was only 16,000 APRX/-pm). There is no monthly savings even going under debt, only one policy is for elder daughter it is 10,000 /-PA, Rs.1, 000/- being deducting for PF contribution, Rs.2, 000/- deducting as recovery loan from PF. Current status of PF is total savings Rs.40,000/- loan amount Rs.28,000/-. I am also bearing study expenses of two daughters and one younger brother. Now my question is whether zakah is implies on me or not?
بسم الله الرحمن الرحيم
(Fatwa: 1168/908/D=10/1434)
Zakah is not wajib on you as you do not save any money monthly as well you do not have any balance in form of gold or silver and you are a debtor.
But when your wife owns 110 gram gold then zakah shall be wajib on your wife. If she does not have cash to pay zakah then it is necessary for her to pay her zakah from the gold itself.
Allah knows Best!
Darul Ifta,
Darul Uloom Deoband