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Zakat on PPF, EPF and provident funds
These funds are locked until retirement or maturity, so scholars differ on whether zakat is due every year.
View 1 — pay when you receive it
Since you can't freely access the money, zakat isn't due until you actually receive it. (Zakatify's default.)
View 2 — include it every year
It's still your wealth, so pay on the balance annually. This is the more cautious choice.
Both are held by respected scholars. Follow what your scholar advises; in the app it's a single switch.
More guides
How to calculate zakat, step by step · Zakat on gold and gold jewellery · Zakat on silver · Zakat on savings, FDs and RDs · Zakat on shares, mutual funds and crypto · Zakat on property and land · Zakat for shop owners and businesses
Zakatify walks you through it one question at a time — gold by karat, savings, investments, debts — with today's rates for your city. Free, private, made for India.
Calculate my zakat — freeCommon questions
Is zakat due on the employer's contribution to EPF?
Under the first view, nothing is due until you receive the money. Under the second, the whole balance you're entitled to is included each year.