Ref. No. 215/44-2324

In the name of Allah the most Gracious the most merciful

The answer to your question is as follows:

In fact, the amount of interest should be returned to the owner, but when it is difficult to return to the main owner, one is obliged to give it to the poor. Since you are not the owner of this amount, you are not responsible for its zakat. So, give the entire amount of interest to the poor in the same way you did till date.

لو کان الخبث نصابًا لایلزمه الزکاة". (المتانة۳۲۱)۲- "في القنیة: لو کان الخبیث نصابًا لایلزمه الزکاة؛ لأن الکل واجب التصدق علیه". (شامی۲/۲۹۱(

"عن أبي حرة الرقاشي عن عمه قال: کنت آخذاً بزمام ناقة رسول اللّٰه صلی اللّٰه علیه و سلم في أوسط أیام التشریق أذود عنه الناس، فقال: یا أیها الناس! ألا لاتظلموا ، ألا لاتظلموا، ألا لاتظلموا، إنه لایحل مال امرء إلا بطیب نفس منه". (مسند أحمد، مسند الکوفیین، حدیث عم أبي حرة الرقاشي، رقم الحدیث: 20714،ج:5، ص:72، ط:مؤسس قرطبة القاهرة)

"ويردونها على أربابها إن عرفوهم، وإلا تصدقوا بها لأن سبيل الكسب الخبيث التصدق إذا تعذر الرد على صاحبه اهـ." (شامی،کتاب الحظر والاباحۃ،باب البیع،ج6،ص385،ط:سعید) "والسبيل في الكسب الخبيث التصدق". (المبسوط للسرخسی، کتاب البیوع، ج12، ص172،ط:دارالمعرفۃ) "‌ويجب ‌عليه ‌تفريغ ‌ذمته ‌برده ‌إلى ‌أربابه ‌إن ‌علموا ‌وإلا ‌إلى ‌الفقراء". (منحۃ الخالق لابن العابدين،  كتاب الزكوة، شروط وجوب الزكوة، ج2،ص  211، ط: دار الكتاب الإسلامي )

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 39 / 0000

In the name of Allah the most Gracious the most Merciful
The answer to your question is as follows:

Yes, you can subtract loan amount during calculating Zakat.
And Allah knows best

Darul Ifta
Darul Uloom Waqf Deoband

Ref. No. 41/897

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

(1) As long as you expect the money given as debt to return to you, you have to include lent money into your total asset and pay zakat. When you lost your hope to get it back, you are not obliged to pay the lent money’s zakat, but you can wait and whenever you get back your money, pay the zakat of the previous years too which passed on that amount. (2) The interest received from bank cannot be given in its service charges. It must be given to poor and needy people without the intention of reward as you have been doing for many years. 

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 1879/43-1735

  In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Zakat is not obligatory on the gold held by the bank as a security. And after withdrawing jewelry from the bank, Zakat of previous years too will not be obligatory.

"ومنها الملك التام وهو ما اجتمع فيه الملك واليد وأما إذا وجد الملك دون اليد كالصداق قبل القبض أو وجد اليد دون الملك كملك المكاتب والمديون لاتجب فيه الزكاة، كذا في السراج الوهاج ... ولا على الراهن إذا كان الرهن في يد المرتهن، هكذا في البحر الرائق". الفتاوى الهندية (1/ 172):

"ولا في مرهون بعد قبضه.. .  (قوله: ولا في مرهون) أي لا على المرتهن؛ لعدم ملك الرقبة، ولا على الراهن؛ لعدم اليد، وإذا استرده الراهن لايزكي عن السنين الماضية، وهو معنى قول الشارح بعد قبضه، ويدل عليه قول البحر: ومن موانع الوجوب الرهن ح، وظاهره ولو كان الرهن أزيد من الدين ) الدر المختار وحاشية ابن عابدين (رد المحتار) (2/ 263(

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 995 Alif

In the name of Allah the Most Gracious the Most Merciful

The answer to your question is as follows:

Among husband and wife, whoever is the owner of Nisab i.e. 87.479 gram of gold or 612.360 gram of silver or cash equivalant to 612.36, Zakat becomes obligatory upon his / her wealth. If your wife owns the nisab then zakat is wajib on her and she must pay it. It is not husband’s duty to pay zakat of wife’s wealth. Nevertheless if husband, with wife’s permission, pays the zakat on behalf of his wife, it will suffice.

(And Allah knows best)

Darul Ifta

Darul Uloom Waqf Deoband 

Ref. No. 1214 Alif

In the name of Allah the most Gracious the most Merciful

The answer to your question is as it follows:

The Zakat (obligatory charity) can be paid only to the poor Muslims. It cannot be given to non Muslims or Christians. If one did so it will not relieve him of the obligation. Nevertheless, if a non Muslim or a Christian is in a dire need, one should help him by giving Sadaqa (voluntary charity).

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 2098/44-2147

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Zakat is obligatory each year on the total amount you possess (whether in cash or in the bank). On the day of completion of lunar year from the date of last Nisab, Zakat will be required on this total amount. Therefore, next year it will be obligatory to pay zakat of all eleven lakhs.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 1239 Alif

الجواب وباللہ التوفیق

بسم اللہ الرحمن الرحیم۔ ماں اپنی بیٹی اور بیٹے کو زکوة نہیں دے سکتی ہے، البتہ بھائی اپنی بہن  اور بھائی کو زکوة دے سکتا ہے اسی طرح  بہن اپنی دوسری بہن اور بھائی کو زکوة کی رقم د ےسکتی ہے۔ جن عورتوں کے شوہر نہ ہوں اور وہ محتاج ہوں  تو ان کو زکوة کی رقم دی جاسکتی ہے۔  اور زکوة کی رقم  ہی  دینا ضروری نہیں ہے بلکہ کپڑے وغیرہ بھی خرید کر دے سکتے ہیں۔ ولایدفع المزکی زکوة مالہ الی ابیہ وجدہ وان علا ولا الی ولدہ وولدولدہ وان سفل؛ ہدایہ ج۱ص۲۰۶۔   واللہ اعلم بالصواب

دارالافتاء

دارالعلوم وقف دیوبند

Ref. No. 1018 Alif

In the name of Allah the Most Gracious the Most Merciful

The answer to your question is as follows:

If you tried to find out its owner and failed to reach him, then you should give that amount to any poor in Sadaqa, with the intention of sending the reward of this Sadaqa for the blessing and benefit of the owner.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 37 / 1035

In the name of Allah the most Gracious the most Merciful

The answer to your question is hereunder:

Yes, it is allowable.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband