Does zakat become obligatory on invested money whose fate is not yet known, or which has not achieved the expected return, or loaned money upon which a full year has not passed?
Zakat is obligatory on money if it reaches the nisab (85 grams of gold or 595 grams of silver) and one lunar year has passed on it, and its amount is 2.5%.
Money lent is subject to zakat upon the lender by adding it to his wealth, unless the borrower is in hardship or procrastinating, in which case he pays zakat on it upon receiving it for all past years (the fatwa-endorsed opinion).
The profits of Mudarabah money are zakatable along with its principal upon the completion of the zakat year.
Lending money with the intention of benevolence is a good deed, but with the intention of gaining benefit, it is forbidden usury (riba).
It is permissible to invest money in the market for trade if the field of investment is permissible.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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