Understanding Nisab of Zakat: Devotion Towards Allah (SWT)

Understanding Nisab of Zakat: Devotion Towards Allah (SWT)

Zakat is one of the Five Pillars of Islam, an obligatory act of charity that purifies wealth by distributing a portion of it to those in need. To determine if you are required to pay zakat, you first need to understand the concept of nisab.

This blog will explain what nisab is, how it is calculated, and its importance in the context of Bangladesh.

What is Nisab of Zakat?

Nisab is the minimum amount of wealth a Muslim must have before they are liable to pay zakat. It acts as a threshold. If your total wealth is equal to or above this threshold, you are required to pay zakat. If it is below the nisab, you are not obligated to do so.

Historical Background of Nisab

The concept of nisab has its roots in Islamic teachings from the time of Prophet Muhammad (peace be upon him). The nisab is designed to ensure that only those who have a certain level of wealth are required to pay zakat, thereby safeguarding the poor and needy from financial burden.

Nisab in Different Forms of Wealth

Nisab applies to various forms of wealth, including cash, gold, silver, business assets, agricultural produce, livestock, and other forms of personal wealth. The most common forms are gold and silver.

  • Gold: The nisab for gold is 87.48 grams (or 7.5 tolas).
  • Silver: The nisab for silver is 612.36 grams (or 52.5 tolas).
Understanding Nisab of Zakat Devotion Towards Allah SWT

In Bangladesh, people usually use gold and silver to calculate nisab, but it’s essential to understand how nisab applies to other forms of wealth as well.

Calculating Nisab in Bangladesh

To calculate nisab in Bangladesh, follow these simple steps:

  • Determine Your Wealth: Add up all your savings, cash in hand, gold, silver, business investments, stocks, and any other assets you possess.
  • Exclude Personal Items: Personal items such as your house, car, clothes, and other daily necessities are not included in zakat calculation.
  • Check Against Nisab: Compare your total wealth against the nisab threshold. If your total wealth is equal to or above the nisab, you are required to pay zakat. If it is below the nisab, you are not obligated to pay zakat.

Example Calculation for Bangladesh

Let’s say you have the following assets:

  • Cash savings: BDT 100,000
  • Gold (jewelry): 50 grams
  • Silver: 100 grams
  • Business investments: BDT 200,000

First, gold and silver can be converted into their monetary values based on current market rates.

  • If the price of gold is BDT 5,000 per gram, the value of your gold is 50 grams * BDT 5,000 = BDT 250,000.
  • If the price of silver is BDT 100 per gram, the value of your silver is 100 grams * BDT 100 = BDT 10,000.

Now, add up all your wealth:

  • Cash: BDT 100,000
  • Gold: BDT 250,000
  • Silver: BDT 10,000
  • Business investments: BDT 200,000

Total wealth = BDT 560,000

  • Compare this with the nisab for gold:
  • Nisab for gold = 87.48 grams * BDT 5,000 = BDT 437,400

Since BDT 560,000 is greater than BDT 437,400, you are above the nisab threshold and must pay zakat.

Paying Zakat

Once you determine that you need to pay zakat, calculate 2.5% of your total wealth. This amount is your zakat obligation.

In our example, zakat would be:

  • Zakat = 2.5% of BDT 560,000 = BDT 14,000
  • You should distribute this amount to those who are eligible to receive zakat, such as the poor, the needy, or charitable organizations.
Understanding Nisab of Zakat

Who is Eligible to Receive Zakat?

The recipients of zakat are specified in the Quran. They include:

The Poor: Those who do not have enough income to meet their basic needs.

The Needy: Those who are in difficulty but do not ask for help.

Zakat Collectors: Those appointed to collect and distribute zakat.

Those Whose Hearts are to be Reconciled: New Muslims and friends of the Muslim community.

Those in Bondage: Slaves or captives.

The Debtors: Those who are in debt and unable to repay.

In the Cause of Allah: Those who are fighting for a religious cause or in the path of Allah.

The Wayfarer: Travelers in need of assistance.

Importance of Zakat in Bangladesh

In Bangladesh, where poverty is a significant issue, zakat plays a crucial role in supporting the underprivileged. By paying zakat, individuals contribute to the well-being of society, helping to alleviate poverty and promote social justice.


What if my wealth fluctuates throughout the year?

Zakat is calculated based on your wealth at the end of a lunar year. If your wealth is above the nisab threshold at that time, you are required to pay zakat.

Can I give zakat to family members?

Yes, but only if they are not your direct dependents (parents, children, spouse) and are eligible to receive zakat.

What If I Have Debts?

Subtract your debts from your total wealth before calculating zakat. Only the remaining amount, if above the nisab, is subject to zakat.


Understanding nisab is essential for fulfilling your zakat obligations. By knowing the nisab threshold and how to calculate it, you can ensure that you are accurately paying zakat and contributing to the betterment of society.

In Bangladesh, where many people are in need, your zakat can make a significant difference. Remember, zakat is not just a duty; it is an opportunity to purify your wealth and help those in need. By paying zakat and understanding nisab, you are not only fulfilling a religious obligation but also contributing to social welfare and economic balance.

Your zakat can bring hope and support to many, making a tangible difference in their lives. May Allah bless you and your family for your generosity and commitment to this essential pillar of Islam.

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