Is zakat obligatory on gold saved for purchasing basic household necessities, and is it true that zakat is not obligatory on it by analogy with a dwelling?

What you heard about the non-obligation of Zakat on gold is incorrect. Rather, you are obligated to pay Zakat on the gold you own if it reaches the nisab, which is approximately eighty-five grams of pure gold. This is due at the completion of every Hijri year from the time you acquired this gold. Zakat is not waived for any gold, except for jewelry prepared for permissible use, according to the majority of scholars.