Is zakat obligatory on worn gold that has reached the nisab and a full year has passed over it, knowing that it includes a dowry, gifts, and savings, and is kept for preserving wealth and for adornment?

Scholars have differed regarding zakat on jewelry intended for permissible use, and the fatwa is that zakat is not obligatory on it. However, if the jewelry is intended for adornment and saving, then the fatwa is that zakat is obligatory on it as a precaution and to clear oneself of responsibility. These rulings apply to what a woman owns, whether it was acquired through purchase, gift, or dowry.