When is the Zakat due on a frozen deposit left by the father, knowing that it has not been divided among the heirs? Does the Zakat due date differ if the deposit is divided? Is debt repayment prioritized over Zakat disbursement from this money? Is it permissible for the indebted son to take from the Zakat of this deposit to repay his debt?

First: A guaranteed bank deposit in an interest-based bank is prohibited because it is an interest-bearing loan. It must be withdrawn, and its profits must be disposed of by spending them on charitable causes. As for an investment deposit in an Islamic bank, it is permissible, and zakat is obligatory on both its principal and its profit.

Second: If the deposit belongs to the father, it is a right for the heirs after his death. His will concerning it for his wife or daughters is not to be executed because it is a bequest to an heir, unless the other heirs agree.

Third: The consent of some heirs to waive their right to the deposit before the father's death is not binding after his death, because the waiver was made concerning a right they did not yet possess.

Fourth: Zakat is obligatory on the deposit, whether it is prohibited or permissible, if it reaches the nisab and a hawl (lunar year) has passed over it. It is not a condition that the hawl for the zakat of all heirs coincides.

Fifth: The profits of a permissible deposit are subject to zakat along with the principal at a rate of 2.5%. As for the profits of a prohibited deposit, they must be disposed of by spending them on charitable causes.

Sixth: The determination of the zakat month is based on lunar months.

Seventh: For the definition of the gharim (debtor) eligible for zakat, please refer to fatwa number 136492.

Eighth: If you have wealth subject to zakat and a debt, then if you have other surplus funds that can cover the debt, zakat is obligatory on the entire wealth. If not, the debt is deducted from the wealth, and what remains is subject to zakat if it reaches the nisab.