Fatwa: # 22419
Category: Zakat
Country: Virgin Islands
Date: 17th September 2012


Kindly calculate Zakaat for following: Cash on hand R20000. Car financing bal.R25000. Monthly car installment R1450.


Kindly calculate Zakaat for following:

Cash on hand R20000. Car financing bal.R25000. Monthly car installment R1450. Shukran.



In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, if one does not possess the Nisaab (quantum) of Zakaat or one’s liabilities exceed one’s assets, then one is not obligated to pay Zakaat.

With regards to your question:

If you have only R20.000 and other Zakatable assets, then you are not obligated to pay Zakaat since your liabilities exceed your total assets.[1]

The above ruling will only apply if Zakaat had not become Wajib before you had taken out a car financing loan.[2]

Kindly refer to the following Zakaat table for more details:


Personal Wealth


1.   Amount of Cash and Savings at home or in the bank

R 10,000

2.   Current value of any gold and silver jewelry, coins, utensils etc

R 5,000

3.   Value of  assets and merchandise for trade

R 20,000

4.   Receivables and loaned amounts to others

R 5,000

Total these amounts here:

R 40,000

Amount Debts to be paid:

R 20,000

Subtract the total amount of debts for the year from the above amount.


Nett Total of Zakatable Wealth

R 20,000

if the net total of Zakatable Wealth is more than the Nisab amount then…


Multiply the net total by 2.5% (nett amount x 0.025)

R 500


And Allah Ta’āla Knows Best

Moulana Ismail Desai,
Student Darul Iftaa
Durban, South Africa

Checked and Approved by,
Mufti Ebrahim Desai.


 1 فارغ عن دين له مطالب من جهة العباد (تنوير الأبصار، ج 2، ص 261، ايج ايم سعيد)

و هذا اذا كان الدين في ذمته قبل وجوب الزكوة، فلو لحقه بعده لم تسقط الزكوة لأنها ثبتت في ذمته فلا يسقطها ما لحق من الدين بعد ثبوتها جوهرة ( رد المحتار، ج 2، ص 261، ايج ايم سعيد)

أحسن الفتاوي، ج 4ن ص 260-261، ايج ايم سعيد

فتاوي محموديه، ج 14ن ص 37، محموديه

  مثل المراجع السابقة[2]

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