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🕌 Complete Guide to Zakat – Meaning, Calculation, Nisab, and Rulings (2025)

What is Zakat?

Zakat (زكاة) is one of the Five Pillars of Islam. The word means “purification” and “growth”. It is a compulsory act of worship where Muslims give a portion of their wealth to the poor and needy. Zakat purifies wealth, prevents hoarding, and creates social balance in society.

Allah ﷻ says in the Qur’an:

“And establish prayer and give zakat, and whatever good you put forward for yourselves – you will find it with Allah.” (Qur’an 2:110)

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Who Must Pay Zakat?

Zakat is obligatory on:

• Adult Muslims (male or female).
• Mentally sound and free individuals.
• Those who possess wealth equal to or above the nisab threshold for one full lunar year (Hawl).

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What Assets are Subject to Zakat?

Zakat is payable on:

• Gold and silver (jewelry, coins, bullion).
• Cash, bank savings, and investments.
• Business goods and merchandise.
• Agricultural produce.
• Livestock (camels, cattle, goats, and sheep).
• Shares, stocks, and rental income.

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What Assets are Exempt from Zakat?

No zakat is required on:

• Personal house (not for trade).
• Car or vehicle for personal use.
• Clothes, household furniture, and daily essentials.
• Non-productive assets.

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Nisab – Minimum Wealth for Zakat

The nisab is the minimum wealth threshold before zakat becomes obligatory.

• Nisab for gold = 85 grams.
• Nisab for silver = 595 grams.
• Nisab for cash & savings = Equivalent to either nisab of gold or silver (whichever is lower in value).

For 2025 in India:

• Gold nisab ≈ ₹ X (update daily based on market).
• Silver nisab ≈ ₹ Y.

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How is Zakat Calculated?

The general formula is simple:

Total Assets – Debts × 2.5% (1/40th) = Zakat Due

For example:

• Assets = ₹ 5,00,000
• Debts = ₹ 1,00,000
• Net Assets = ₹ 4,00,000
• Zakat = ₹ 4,00,000 × 2.5% = ₹ 10,000

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Who Can Receive Zakat?

The Qur’an (9:60) lists 8 categories of people eligible for zakat:

1. The poor (fuqara).
2. The needy (masakin).
3. Zakat collectors.
4. Those whose hearts are to be reconciled.
5. Freeing slaves.
6. Those in debt.
7. In the path of Allah.
8. Stranded travelers.

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When Should Zakat be Paid?

• After one full lunar year of owning wealth above nisab.
• Best time: Ramadan, as rewards are multiplied.
• It can also be paid monthly or in advance for ease.

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Quranic References

• “And establish prayer and give zakat.” (Qur’an 2:43)
• “Take from their wealth a charity by which you purify them and cause them increase.” (Qur’an 9:103)

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Hadith References

• Prophet ﷺ said: “Islam is built on five pillars… and paying zakat.” (Sahih Bukhari, Sahih Muslim)
• “Whoever is made wealthy by Allah and does not pay the zakat of his wealth, then on the Day of Resurrection his wealth will be made like a bald-headed poisonous male snake…” (Sahih Bukhari, Hadith 1403)

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Zakat FAQs (2025)

How do I calculate my Zakat?

Add all zakatable assets (gold, silver, cash, investments, livestock), subtract debts, and pay 2.5% if above nisab.

How much Zakat on ₹10,000?

2.5% of ₹10,000 = ₹250.

How much Zakat for 1 kg gold?

1 kg = 1000 grams. If gold is ₹6,300/gram → Value = ₹63,00,000 → Zakat = ₹1,57,500.

Is Zakat 2.5% of savings?

Yes, zakat is 2.5% on savings held for a lunar year above nisab.

Is Zakat calculated on salary?

Zakat is not on income directly, but on savings from salary after expenses.

How much is 1 tola in grams?

1 tola = 11.66 grams.

How much zakat on ₹20 lakh in India?

₹20,00,000 × 2.5% = ₹50,000.

Can I pay zakat monthly?

Yes. You can pay monthly installments instead of one annual payment.

How many zakat on ₹1 lakh?

₹1,00,000 × 2.5% = ₹2,500.

Who is not eligible for Zakat?

• Non-Muslims.
• The wealthy.
• Direct descendants/ascendants (parents, children, spouse).

How much is 1 gram of gold?

Check daily updated price (≈ ₹6,300/gram in 2025).

What is Zakat in India 2025?

Zakat is calculated at 2.5% of savings above nisab, based on Indian gold/silver prices.

How much Zakat on 7 tola?

7 tola = 81.62 g → Value = 81.62 × ₹6,300 = ~₹5,14,200 → Zakat = ₹12,855.

How to calculate 2.5% of 100?

100 × 2.5% = 2.5.

What are common mistakes in Zakat calculation?

• Forgetting business assets.
• Ignoring debts.
• Not updating nisab values.
• Paying on income instead of savings.

How much zakat per ₹1000?

₹1000 × 2.5% = ₹25.

How much zakat on 10 grams gold?

10 × ₹6,300 = ₹63,000 → Zakat = ₹1,575.

What is the minimum amount of money for zakat?

Equivalent to 595 g of silver or 85 g of gold.

Is zakat 10%?

No. Zakat is 2.5% of savings. (10% applies to specific crops under Ushr).

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Zakat on Livestock

Zakat is due on camels, cattle, sheep, and goats if they meet the nisab threshold.

• Example: 40 goats → 1 goat as zakat.
• Example: 30 cows → 1 calf (1-year-old).
• Example: 5 camels → 1 sheep.

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Zakat Calculator Chart (Quick Reference)

Wealth Type	Nisab (minimum)	Zakat Rate
Gold	85 g	2.5%
Silver	595 g	2.5%
Cash/Savings	Above nisab	2.5%
Business Goods	Above nisab	2.5%
Agricultural Crops	Above nisab	5–10%
Livestock	Specific counts	2.5%

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Conclusion

Zakat is not just a duty but a spiritual purification of wealth. By giving zakat sincerely, you fulfill one of Islam’s greatest obligations and support the ummah.

Use our Zakat Calculator to calculate your zakat easily and accurately based on India’s 2025 nisab values.

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