{"id":40753,"date":"2026-03-06T14:27:03","date_gmt":"2026-03-06T14:27:03","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=40753"},"modified":"2026-03-06T14:32:52","modified_gmt":"2026-03-06T14:32:52","slug":"is-a-student-required-to-pay-zakat-on-a-maintenance-loan-received-for-living-expenses","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/is-a-student-required-to-pay-zakat-on-a-maintenance-loan-received-for-living-expenses\/","title":{"rendered":"Is A Student Required To Pay Zakat On A Maintenance Loan Received For Living Expenses?"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Fatwa ID: 08819<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Answered by Maulana Muhammad Zubair Khan Alizai<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Question:<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">I am currently studying and have taken a tuition fee loan as well as a maintenance loan. Whilst the university receives the tuition fee directly, the maintenance loan is paid into my account to help with daily costs and accommodation etc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">When counting the total of my monetary wealth to calculate Zakat, do I also include the money in my accounts from the maintenance loan as part of my total income?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-family: verdana, geneva, sans-serif;\">In the name of Allah, the Most Gracious, the Most Merciful<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Answer:<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Zakah is wajib on a person whose wealth has reached the nisaab and this wealth is besides his expenditure and debt, and a full Islamic year (lunar calendar) has passed, thus 2.5% will become compulsory to pay on that wealth.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">If you had money that has been in your possession for the last year and this money is above the nisaab then you would have to pay 2.5% zakah on it. So what is considered is right now and not what is going to happen 2 months later. In that case your expenditure 2 months later will not be taken into consideration as anything can happen within the next 2 months like death or loss of wealth etc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">As for your situation, then as the maintenance loan is a debt that has to be paid whether now or later, then it will be counted as a debt which will be extracted from your zakatable assets, and you will not have to give zakah on that.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">References:<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">\u0628\u062f\u0627\u0626\u0639 \u0627\u0644\u0635\u0646\u0627\u0626\u0639 \u0641\u064a \u062a\u0631\u062a\u064a\u0628 \u0627\u0644\u0634\u0631\u0627\u0626\u0639 \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u062f\u0627\u0631 \u0627\u0644\u0643\u062a\u0628 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0627\u0644\u0645\u062c\u0644\u062f \u0662 \u0627\u0644\u0635\u0641\u062d\u0629 \u0666<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">&#8230; \u0648\u064e\u0645\u0650\u0646\u0652\u0647\u064e\u0627 \u0623\u064e\u0646\u0652 \u0644\u064e\u0627 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u062f\u064e\u064a\u0652\u0646\u064c \u0645\u064f\u0637\u064e\u0627\u0644\u064e\u0628\u064c \u0628\u0650\u0647\u0650 \u0645\u0650\u0646\u0652 \u062c\u0650\u0647\u064e\u0629\u0650 \u0627\u0644\u0652\u0639\u0650\u0628\u064e\u0627\u062f\u0650 \u0639\u0650\u0646\u0652\u062f\u064e\u0646\u064e\u0627 \u0641\u064e\u0625\u0650\u0646\u0652 \u0643\u064e\u0627\u0646\u064e \u0641\u064e\u0625\u0650\u0646\u064e\u0651\u0647\u064f \u064a\u064e\u0645\u0652\u0646\u064e\u0639\u064f \u0648\u064f\u062c\u064f\u0648\u0628\u064e \u0627\u0644\u0632\u064e\u0651\u0643\u064e\u0627\u0629\u0650 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\u0628\u0650\u0639\u064f\u0645\u064f\u0648\u0645\u064e\u0627\u062a\u0650 \u0627\u0644\u0632\u064e\u0651\u0643\u064e\u0627\u0629\u0650 \u0645\u0650\u0646\u0652 \u063a\u064e\u064a\u0652\u0631\u0650 \u0641\u064e\u0635\u0652\u0644\u064d\u060c \u0648\u064e\u0644\u0650\u0623\u064e\u0646\u064e\u0651 \u0633\u064e\u0628\u064e\u0628\u064e \u0648\u064f\u062c\u064f\u0648\u0628\u0650 \u0627\u0644\u0632\u064e\u0651\u0643\u064e\u0627\u0629\u0650 \u0645\u0650\u0644\u0652\u0643\u064f \u0627\u0644\u0646\u0650\u0651\u0635\u064e\u0627\u0628\u0650\u060c<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">\u0648\u064e\u0634\u064e\u0631\u0652\u0637\u064f\u0647\u064f \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0645\u064f\u0639\u064e\u062f\u064b\u0651\u0627 \u0644\u0650\u0644\u062a\u0650\u0651\u062c\u064e\u0627\u0631\u064e\u0629\u0650\u060c \u0623\u064e\u0648\u0652 \u0644\u0650\u0644\u0652\u0625\u0650\u0633\u064e\u0627\u0645\u064e\u0629\u0650 \u0648\u064e\u0642\u064e\u062f\u0652 \u0648\u064f\u062c\u0650\u062f\u064e.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">\u0623\u064e\u0645\u064e\u0651\u0627 \u0627\u0644\u0652\u0645\u0650\u0644\u0652\u0643\u064f \u0641\u064e\u0638\u064e\u0627\u0647\u0650\u0631\u064c\u061b \u0644\u0650\u0623\u064e\u0646\u064e\u0651 \u0627\u0644\u0652\u0645\u064e\u062f\u0652\u064a\u064f\u0648\u0646\u064e \u0645\u064e\u0627\u0644\u0650\u0643\u064c \u0644\u0650\u0645\u064e\u0627\u0644\u0650\u0647\u0650\u061b \u0644\u0650\u0623\u064e\u0646\u064e\u0651 \u062f\u064e\u064a\u0652\u0646\u064e \u0627\u0644\u0652\u062d\u064f\u0631\u0650\u0651 \u0627\u0644\u0635\u064e\u0651\u062d\u0650\u064a\u062d\u0650 \u064a\u064e\u062c\u0650\u0628\u064f \u0641\u0650\u064a \u0630\u0650\u0645\u064e\u0651\u062a\u0650\u0647\u0650 \u0648\u064e\u0644\u064e\u0627 \u064a\u064e\u062a\u064e\u0639\u064e\u0644\u064e\u0651\u0642\u064f \u0628\u0650\u0645\u064e\u0627\u0644\u0650\u0647\u0650 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\u0643\u064e\u0627\u0646\u064e \u064a\u064e\u0644\u0652\u062d\u064e\u0642\u064f\u0647\u064f \u062f\u064e\u064a\u0652\u0646\u064c \u0628\u064e\u0639\u0652\u062f\u064e \u0627\u0644\u0652\u062d\u064e\u0648\u0652\u0644\u0650 \u0628\u0650\u0627\u0644\u0652\u0641\u064e\u0633\u0652\u062e\u0650.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Only Allah Taala knows best<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Written by Maulana Muhammad Zubair Khan Alizai<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Darul Ifta Birmingham<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fatwa ID: 08819 &nbsp; &nbsp; Answered by Maulana Muhammad Zubair Khan Alizai &nbsp; Question: &nbsp; I am currently studying and have taken a tuition fee&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40753"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=40753"}],"version-history":[{"count":3,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40753\/revisions"}],"predecessor-version":[{"id":40760,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40753\/revisions\/40760"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=40753"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=40753"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=40753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}