I calculate my zakah on every Ramadan. If I have 18 lac taka in my hand and bank on 1st Ramadan and I have 2 lac taka with my relative, how much money I have to pay for zakah? Case 1: above 2 lac taka may not be recovered. Case 2: Above 2 lac taka can be recovered.
بسم الله الرحمن الرحيم
(Fatwa: 1097/1036/B=11/1438)
If you are sure that you will get back the two lakh rupees (taka) which are with your relatives, then you will have to pay the zakah of 20 lakhs i.e. total fifty thousand rupees.
Allah knows Best!
Darul Ifta,
Darul Uloom Deoband