Zakat on Gold Jewellery: How Much on 1, 5, 10 or 15 Tola

The short answer

In the Hanafi school, zakat is due on gold jewellery, even jewellery that is worn, once you own at least the nisab and a full lunar year has passed. Zakat is 2.5% of the value. This is the school followed by most Sunni Muslims in Pakistan and India.

In the Shafi‘i, Maliki and Hanbali schools, the preferred view is that jewellery kept for normal, permissible use is not zakatable. Gold kept as savings, or an extravagant amount, is treated differently. If you follow one of these schools, ask your scholar how this applies to you.

At the example rate, the zakat on each tola of 22K gold is about Rs 9,992. Multiply by your tola, then check the nisab below.

Nisab: 7.5 tola of gold, or 52.5 tola of silver

• Only gold, nothing else: zakat is due when the gold reaches 7.5 tola (87.48 g). Below that, no zakat is due on the gold alone.
• Gold plus any cash, savings, silver or business stock: in the Hanafi school, add them all up and compare the total with the silver nisab of 52.5 tola (612.36 g). At the example silver rate of Rs 5,000 per tola, that is about Rs 262,504, far less than the gold nisab of about Rs 2,997,550 in 22K gold.

This second rule is why many families with less than 7.5 tola of gold still owe zakat: almost everyone also has some cash or a bank balance.

How to work it out, step by step

1. Weigh each piece, or take the weight from the jeweller’s receipt. 1 tola = 11.66 g.
2. Note the karat (24K, 22K, 21K or 18K) from the hallmark or the receipt.
3. Find today’s rate per tola for that karat. Use the market rate on your zakat date, not the price you paid, which also included making charges.
4. Value = weight in tola × rate per tola.
5. Add your cash, bank balance, silver and anything else zakatable, and subtract debts that are due now.
6. If the total reaches the nisab and a lunar year has passed, zakat = total × 2.5%.

Worked example: 15 tola of 22K gold

1. Weight: 15 tola = 174.96 g.
2. Rate for 22K: Rs 436,000 × 22 ÷ 24 = Rs 399,667 per tola (example rate).
3. Value: 15 × Rs 399,667 = Rs 5,995,000.
4. 15 tola is more than the 7.5 tola nisab, so zakat is due once a lunar year has passed.
5. Zakat: Rs 5,995,000 × 2.5% = Rs 149,875.

In the zakat calculator: choose Tola, enter 15 under “Gold you own” and choose 22K as the purity. The calculator does the rest.

Zakat on 22K gold by weight

Example rate Rs 399,667 per tola of 22K. The last column is for gold alone; if you also have cash or savings, use the silver nisab above and add everything together.

How karat changes the zakat: 10 tola

The same 10 tola is worth less in 21K or 18K, because it holds less pure gold, so the zakat is lower too.

For the nisab, many Hanafi scholars count the whole weight of a piece as gold when gold is more than half of it, which covers 14K and above. Alloy in ordinary jewellery is counted with the gold.

Less than 7.5 tola, plus some cash

5 tola of 22K is worth Rs 1,998,333 at the example rate. On its own, that is below the gold nisab, so no zakat is due on it.

Now add Rs 50,000 in cash. In the Hanafi school the total of Rs 2,048,333 is compared with the silver nisab of about Rs 262,504. It is above it, so zakat is due on everything: Rs 51,208.

Where scholars differ

• Jewellery that is worn: due in the Hanafi school; not due on jewellery kept for normal use in the preferred view of the other three schools.
• Which rate: scholars say to use the market value on your zakat date. Darul Uloom Deoband says it is better to take the price at which the jeweller sells; others use the price you could sell for. The two can differ by several percent. Ask which one your scholar uses.
• Karat and alloy: whether 18K or 14K counts in full toward the nisab, as above.

Fiscora shows the arithmetic and does not choose between these views. In the calculator you can type the rate and the nisab weight your scholar uses.

What this guide does not cover

The rates are examples, not today’s price: use your local rate on your zakat date. The guide does not cover stones set in jewellery, gold held for business, debts that are not due yet, or how to count the lunar year when your wealth goes up and down. It is a guide to the calculation, not a fatwa.

Sources

• Darul Uloom Deoband: calculating zakat on gold ornaments (fatwa 71/89/M=2/1438).
• Darul Iftaa (askimam.org): zakat on gold of different carats.
• Fatwaa.com: zakat on 1 tola of gold (adding gold to cash; silver nisab).
• Darul Iftaa (askimam.org): Hanafi view on worn jewellery.
• Shafi‘i Fiqh: does one pay zakat on gold jewellery?.
• Sources last checked: 2026-10-31.