Zakat on Jewellery: Gold, Silver & Diamond Jewellery (UK Guide)
Do you pay Zakat on jewellery? Guide covering gold jewellery, silver jewellery, diamonds, and gemstones — with the different scholarly positions explained.
Jewellery is one of the most frequently asked-about Zakat topics, especially for Muslim women in the UK. The answer depends on the type of jewellery and which school of thought you follow.
Quick Reference
| Jewellery Type | Hanafi View | Other Schools |
|---|---|---|
| Gold jewellery (worn) | Zakatable | Generally exempt |
| Gold jewellery (stored/unworn) | Zakatable | Zakatable |
| Silver jewellery | Zakatable | Generally exempt if worn |
| Diamonds and gemstones | Not zakatable | Not zakatable |
| Costume/fashion jewellery | Not zakatable | Not zakatable |
The Hanafi Position (Most UK Muslims)
The Hanafi school — followed by the majority of South Asian, Turkish, and many Arab Muslims in the UK — holds that all gold and silver is zakatable, regardless of whether it's worn as jewellery or stored in a safe.
This means:
- Your wedding ring: zakatable
- Daily-wear necklace: zakatable
- Bangles you wear every day: zakatable
- Gold earrings: zakatable
- Gold/silver stored in a box: zakatable
The Hanafi evidence is based on several hadith where the Prophet (peace be upon him) specifically asked women about their gold jewellery in the context of Zakat.
The Shafi'i, Maliki & Hanbali Position
These three schools generally exempt jewellery worn for personal adornment from Zakat, provided:
- It's worn regularly (not hoarded)
- The amount is within customary limits (not excessively extravagant)
- It's gold or silver for personal use, not investment
Jewellery stored and not worn, or excessive jewellery beyond what's customary, may still be zakatable even under these schools.
Diamonds, Gemstones & Non-Precious Metals
Not zakatable. Zakat on precious metals applies specifically to gold and silver. Diamonds, rubies, emeralds, platinum, and other gemstones are not subject to Zakat unless they are held as trading stock (e.g., if you're a jewellery dealer).
When valuing jewellery for Zakat, only include the gold or silver content, not the gemstones or craftsmanship value.
How to Value Jewellery for Zakat
For a detailed step-by-step with worked examples, see our Zakat on Gold guide. In brief:
- Weigh the item in grams
- Determine the carat (24k, 22k, 18k, etc.)
- Calculate pure gold weight = total weight × purity %
- Multiply by current gold price per gram
- Pay 2.5% of the result
Example
Zahra's jewellery (Hanafi school):
- 22k gold bangles: 80g total → 73.36g pure gold → £4,688
- 22k gold necklace: 25g → 22.93g pure gold → £1,465
- Diamond ring: 18k gold setting 5g → 3.75g pure gold → £240 (diamond NOT included)
Total gold value: £6,393 (exceeds gold Nisab of £5,590)
Zakat on jewellery: £6,393 × 2.5% = £159.83
Calculate your full Zakat including jewellery →
Collecting Zakat for Your Charity?
PledgeNow helps UK charities collect Zakat pledges at events. Free for every mosque and charity.
Stop losing pledges. Start tonight.
Pledge Now, Pay Later captures every promise, follows up automatically, and lets donors pay on their own time. No card required. No catch.
Get fundraising tips in your inbox.
No spam. Just practical resources when we have something worth sharing.
Related articles
Zakat on Rental Income: UK Landlord's Guide
How UK Muslim landlords calculate Zakat on rental income. The property isn't zakatable but the income is. Clear guide with worked examples.
Zakat on Premium Bonds: Are They Zakatable? (UK Guide)
Are Premium Bonds subject to Zakat? Yes, the capital is zakatable. But are the prizes halal? A guide for UK Muslims holding NS&I Premium Bonds.
Zakat on ISAs: Are ISAs Zakatable? (UK Muslim Guide)
Are ISAs subject to Zakat? Yes — cash ISAs, stocks & shares ISAs, and lifetime ISAs are all zakatable. UK guide with calculation examples.