How can a Muslim woman who bought gold for saving and adornment over 4 years, and was unaware of the obligation of zakat upon it, calculate her zakat for the past years? Is it permissible for her to pay the zakat in financial installments to her mother with the intention of zakat, even if it exceeds the required zakat amount?

Zakat (definition) is obligatory on hoarded gold if it reaches the nisab (definition), but not on other hoarded jewelry that is not for trade. Zakat must be paid for past years in which its payment was delayed, calculated at a quarter of a tenth (2.5%) for each year. There is no sin on one who delayed its payment out of ignorance of the ruling, but he must hasten to pay it. According to the majority of scholars, it is not permissible to count what is given to the mother as zakat, except in specific cases. The zakat on gold of different carats must be calculated in a precise manner to ensure the full payment of zakat.