Zakat Calculator India

Zakat in India

India is home to approximately 200 million Muslims, making it one of the largest Muslim populations in the world. For Indian Muslims, Zakat calculation must account for asset types particularly common in the Indian financial landscape — substantial gold jewellery holdings, fixed deposits, Public Provident Fund (PPF) accounts, Employee Provident Fund (EPF) balances, and business inventory in the extensive informal sector.

Our Zakat Calculator defaults to INR and covers every major asset category. Gold and silver prices can be updated to reflect Indian market rates — check your local jeweller or a trusted financial news source for the latest prices per gram. All calculations run entirely in your browser.

What Assets Are Subject to Zakat?

Include the following assets at their current market value in Indian Rupees:

• Gold and jewellery — The most significant zakatable asset for many Indian households. Include the pure gold value only. Indian gold jewellery is commonly 22K (91.67% pure) or 21K (87.5% pure). Use our Gold Zakat Calculator to convert weight and purity to zakatable value.
• Cash and bank savings — Balances across savings accounts, current accounts, and physical cash at home. Include funds across all banks.
• Fixed Deposits and Recurring Deposits — The principal amount is zakatable. Interest (riba) earned is not halal and is excluded from zakatable wealth. Some scholars advise that interest should be given away entirely to purify your wealth.
• Public Provident Fund (PPF) — A common view treats PPF as zakatable savings if you can access the funds. If the 15-year lock-in restricts access, Zakat may be deferred until funds become available.
• Employee Provident Fund (EPF) — Since EPF is generally inaccessible until retirement or leaving employment, Zakat is typically not due until the funds are received.
• Business inventory — Stock, raw materials, and goods held for sale at current market value. Fixed business assets (machinery, shop fittings, delivery vehicles) are generally not zakatable.
• Investments and stocks — Shares and mutual funds held for trading at current market value.

How to Calculate Zakat in INR

Follow these steps to calculate your Zakat in Indian Rupees:

1. Set currency to INR — The calculator above defaults to INR. Gold and silver prices should be entered as INR per gram.
2. Value your gold holdings — This is often the largest asset for Indian households. Convert your gold weight to grams if needed. Apply the purity factor (22K = 0.9167, 21K = 0.875). Multiply pure grams by the current Indian gold rate per gram. Use our Gold Zakat Calculator to do this automatically.
3. Enter savings and deposits — Add all bank balances, fixed deposit principals (excluding interest), and PPF balance. Enter cash held at home.
4. Add business and investment assets — Include business inventory at market value, shares, and crypto holdings in INR.
5. Enter deductible debts — Add up personal loans, credit card balances, short-term business loans, and outstanding bills due. For home loans, a common view is that only the upcoming EMI is deductible.
6. Select Nisab and calculate — Choose gold or silver Nisab. Check the current threshold with our Nisab Calculator. Click Calculate to see your Zakat amount in INR.

Gold and Silver Nisab

Nisab thresholds in INR based on approximate mid-2026 Indian market prices:

The silver Nisab (approximately ₹41,640) is substantially lower than the gold Nisab (approximately ₹5,86,116). Many Indian scholars recommend using the silver Nisab so Zakat reaches more deserving recipients. You may consult a qualified scholar if you are unsure which threshold to use.

These Nisab figures are illustrative, based on approximate mid-2026 prices. Gold prices in India vary by city and jeweller. Always check current local rates when calculating your Zakat.