Is Zakāt Due on Gold Jewellery Kept for Wearing, and How Much?

Gold that is kept for wearing, and likewise silver, the correct view is that zakāt is due on both. There is a statement by some of the scholars that there is no zakāt on it if it is prepared for wearing or is being worn, but the correct view is that what is kept for wearing, what is worn, and other than that, all of it carries zakāt, because what is confirmed from the Prophet ﷺ points to that. So if a woman has gold that reaches the niṣāb, which is twenty mithqāls, its measure in Saudi guineas being eleven and a half guineas, and in grams ninety-two grams, if it reaches this, then zakāt is due on it, and likewise if it is more. It is a quarter of a tenth: for every thousand, twenty-five, whether it is worn, kept for wearing, or otherwise. This is the correct view.

It is confirmed from him ﷺ that he saw a woman whose daughter had two bracelets of gold on her, and he said, “Do you pay the zakāt of this?” She said, “No.” He said:

أَيَسُرُّكِ أَنْ يُسَوِّرَكِ اللَّهُ بِهِمَا يَوْمَ الْقِيَامَةِ سِوَارَيْنِ مِنْ نَارٍ “Would it please you for Allah to encircle you with them on the Day of Resurrection as two bracelets of Fire?”

So she took them off and said, “They are for Allah and His Messenger.” And he ﷺ said:

مَا مِنْ صَاحِبِ ذَهَبٍ وَلَا فِضَّةٍ لَا يُؤَدِّي زَكَاتَهَا - وَفِي اللَّفْظِ الْآخَرِ: حَقَّهَا - إِلَّا إِذَا كَانَ يَوْمُ الْقِيَامَةِ صُفِّحَتْ لَهُ صَفَائِحُ مِنْ نَارٍ، فَيُكْوَى بِهَا جَنْبُهُ وَجَبِينُهُ وَظَهْرُهُ “There is no owner of gold or silver who does not pay its zakāt (and in another wording: its due) except that on the Day of Resurrection plates of Fire will be forged for him, and his side, his forehead, and his back will be branded with them,” the hadith.

This is general, covering jewellery and other kinds of gold and silver, and in this chapter there are other hadiths that point to the same.

But if what one owns is less than the niṣāb, if the jewellery is less than eleven and a half guineas, or the silver is less than the niṣāb, then there is no zakāt on it. The niṣāb of silver is one hundred and forty mithqāls, its measure in Saudi riyals being fifty-six riyals of silver, or the equivalent of that in other currency. If it is less than that, there is no zakāt on it. And if it reaches this, fifty-six silver riyals or more, then zakāt is due on it once a full year has passed over it. Yes.

Presenter: May Allah reward you with good.

Source: binbaz.org.sa (Nūr ʿalā al-Darb).