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Deducting installments when paying Zakaah

Fatwaa ID: 045

Bismihi Ta’ala

Asalaamu Alaikum Warahmatullahi Wabarakatuh

Hoping this email reaches you in the best of conditions physically and spiritually.

If a person is paying installments does he deduct 12 months installments or the entire loan amount when calculating zakaat ?


Wasalamu alaikum

wa barakatuh


In the Name of Allaah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

If a person is paying long term debts[i], he will deduct only the amount payable for a year (12 months) when calculating to pay Zakaah[ii].

In determining the amount payable in Zakaah, one must consider his personal financial situation as well. You may refer to the following link for more details on the laws of Zakaah.

And Allaah Ta’aala Knows Best.
Muajul I. Chowdhury
Student Darul Iftaa
New York, USA

Checked and Approved by,
Mufti Ebrahim Desai.


وصل اللهم وسلم وبارك على سيدنا محمد وعلى ءاله وصحبه أجمعين

[i]  (رد المحتار 2/261)

قوله أو موجلا الخ عزاه في المعراج إلى شرح الطحاوي، وقال: وعن أبي حنيفة لا يمنع…..زاد القهستاني عن الجواهر: والصحيح أنه غير مانع

(بدائع الصنائع 2/84)

وقال بعض مشايخنا: إن الموجل لا يمنع لأنه غير مطالب به عادة

(فتح القدير 2/163)

وقال بعضهم: إن كان موجلا لا يمنع لأنه غير مطالب به عادة

[ii] جدید فقھی مسائل (1/213)

 جدید فقھی مسائل (2/40)

 فتاویٰ عثماني (4/70)


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