Is Zakat obligatory on gold kept for adornment, regardless of its weight? Is it subject to the Nisab? How is its Zakat estimated if it has not been paid for years? Is the Nisab considered for each individual, or for the total weight in cases of joint ownership? How does a girl who has no income pay the Zakat on her gold, and can her guardian pay it on her behalf?

Scholars have differed regarding the obligation of zakat on jewelry. The more cautious opinion is that it is obligatory if the gold reaches 85 grams and a full year has passed. The amount of zakat is 2.5% of the gold itself, or its cash value if that is more beneficial for the poor. As for past years, you should determine the quantity of gold for each year and pay the zakat accordingly. If the gold is shared between two daughters, each one pays zakat on her share if it reaches the nisab, whether they pay it collectively or each one pays for her own share. If the daughter has no income, she should pay 2.5% of the gold, or her guardian can pay on her behalf from his own money with the intention of zakat for her wealth.

It must be noted that zakat is obligatory on shared gold if each individual's share reaches the nisab. It is not obligatory if one of their shares falls below the nisab, even if it reaches the nisab when combined with the other's share.