Zakat Kya Hai?
Islam ka woh farz hai jo sahib-e-nisab Musalman apni aamdani aur maal mein se sirf 2.5% nikal kar gareeb aur mustahiq logon ko deta hai. Adai e Zakat se maal paak hota hai aur Allah ki rehmat mein izafa hota hai.
Zakat Islam ka aik bunyadi farz hai jo har us Muslim par wajib hota hai jo nisab ka maalik ho aur jiss ki daulat aik poora saal guzarna tak barqarar rahe.
Zakat ka maqsad gareebon ki madad karna, society mein barabari paida karna aur insaan ke maal ko paak karna hai. Lekin bohat log ye nahi jante ke Zakat calculate kaise ki jati hai.
Zakat Kin Logon Par Wajib Hoti Hai?
Zakat tab farz hoti hai jab:
1. Muslim ho
2. Aaqil baligh ho
3. Sahib-e-nisab ho
4. Maal par aik saal guzar chuka ho
Agar ye chaar conditions poori ho rahi hain, tou Zakat wajib hai.
Nisab Kitna Hai?
Nisab ka standard Gold ya Silver ki qeemat ki bunyad par hota hai:
Gold Nisab: 7.5 tola (87.48 grams)
Silver Nisab: 52.5 tola (612 grams)
Olama aur Muftiyan “Silver nisab” ko follow karte hain kyunke is se zyada log Zakat dene walon mein shamil ho jate hain, jo gareeb ke liye behtar hota hai.
Aaj ke dor mein bohat si websites per updated gold/silver prices mil jati hain. Aap ko silver nisab choose karna ho ga, jis din banda Saheb e nisab hota hy. Hr saal ussi din ko Zakat wajib ho jati hy .
Zakat Calculation method
Step 1: Apna Total Zakat-able Maal Jaanch Len
Zakat kin cheezon per lagti hai?
1. Cash (Ghar ya Bank Me Jitna Paisa Hai)
Cash in hand
Bank account balance
Mobile wallet balance (JazzCash, Easypaisa, etc.)
2. Gold & Silver
Jo gold aunty style ya personal use mein ho, us par bhi Zakat wajib hai.
3. Business Goods (Stock)
Agar aap shop, online store ya business rakhte hain tou saaray selling items ki current market value Zakat mein shamil hogi.
4. Investments
Shares
Mutual funds
Crypto (halal assets only)
Real estate investment (plot for selling only)
5. Rental Income Savings
Sirf woh paisa jis par saal guzar gaya ho.
Step 2: Apni Wajebaat (Qarza) Minus Kar Dein
Zakat sirf pure maal per nikaltay hain, is liye jitnay qarz ya monthly living bills due hoon, unko minus karna allowed hai.
Is mein shamil hain:
Ghar ka due rent
Bijli / gas bill
Credit card payment
Loan installment
Dukan ka payment due
Step 3: Nisab se compare karein
Agar aap ka Net Maal = Nisab se zyada hai, tou aap par Zakat farz hai.
Step 4: 2.5% Zakat Calculate Karein
Zakat ka formula
Zakat = (Total Zakat-able Maal – Wajebaat) × 2.5%
Ya
Zakat = Net Maal × 0.025
Bas! Aap ki Zakat calculate ho gayi.
Zakat Calculation Example
Chaliye aik example se samajhte hain:
Aapka Total Maal:
Cash: 100,000
Bank savings: 50,000
Gold: 10 grams (Price 18,000 per gram = 180,000)
Business stock: 120,000
Total = 100,000 + 50,000 + 180,000 + 120,000 = 450,000
Minus Wajebaat:
Bijli bill: 8,000
Loan installment: 12,000
Total Wajebaat = 20,000
Net Maal = 450,000 – 20,000 = 430,000
Ab Zakat
430,000 × 0.025 = 10,750 PKR
Yani aap ko is saal Rs. 10,750 Zakat deni hogi.
Zakat kis ko di ja sakti hai?
Zakat sirf un logon ko di ja sakti hai jo:
Ghareeb ho
Maqrooz ho
Musafir ho
Zakat ka mustahiq ho
Zakat khandan mein sirf unhi ko di ja sakti hai jo.
Parents
Children
Wife/Husband
Dada/Dadi
Nana/Nani
In ko Zakat nahi di ja sakti.
Lekin:
Chacha
Phupho
Mamu
Khala
Cousins
Inn sab ko Zakat dena jaiz hai agar woh mustahiq hoon.
Zakat Dete Waqt Niyat Bohat Zaroori Hai
Zakat ki niyat “Allah ki raza” ho. Kisi ko dikhane ke liye nahi, aur na hi mashoor hone ke liye.
Zakat Se Mutaliq Aam Ghaltiyan
1. Sirf gold par Zakat dena galat
2. Loan ko minus na karna
3. Business stock ki majoda value add na karna
4. Investment par Zakat bhool jana
5. Real estate (plot for selling) ko ignore karna
6. Zakat sirf Ramadan me dena — Zakat har saal apni date par wajib hoti hai
Zakat Kab Dena Chahiye?
Har Musalman jb sy wo shaheb e nisab bna ho. Us date ko set kar leni chahiye, jaise:
1 Ramadan
1 Muharram
Har saal ussi date per Zakat calculate karain.