Wednesday, October 04, 2017

Thumb Rule of Financial planning.

Thumb Rule of Financial planning.

1. 30 % of your income must be used for monthly living expenses.

2. 30% of your income must be used for Liabilities repayments, if any..

3. 30% of your income must be SAVED and INVESTED for your future LIVING.

4. 10% of your income must be spared for entertainments, vacations

5. 6 months expenses must be available for emergency fund (should be invested in LIQUID FUND, FD Etc)

6. Home loan must be registered and apply on both husband and wife name. (Both can get benefits on Home loan Tax benefits)

7. Buying second house for investment is not advisable ( Survey reports - it will fetch you only around 3% return)

8. After 45 years of age, not supposed to enter into any BIG LIABILITIES (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)

9. Have joint account @ Bank savings account.

10. Property must be registered on both Husband and wife name. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)

11. Regular check on Nominations at all financial instruments. if not nominated, do it now..

12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement

13. Must have Term Insurance to financially secure future of your dependants.. Conventional Insurance products can serve as Debt oriented investments and provide assured returns in the present falling interest regime with Tax benefits.

14. Don’t take any financial investment decisions EMOTIONALLY,  and also Avoid last minute tax saving investment decisions, plan well in advance..

15. MEDICLAIM is must (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it's very tough and costly to enter into mediclaim)

16. For your jewelry LOCKER, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.

17. Like same way Government guaranteed only one lakh for your FD also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)

18. Must know all Tax implications. You cannot avoid paying tax. But you can minimize by way of tax planning and investments..

19. All financial documents must be kept safely and keep family members informed of the same..

20. Financial investments must be followed through personal financial advisor..

21. Review your portfolio at every six month..

These are general suggestions, personal Finance and investment decisions depends upon case to case_

Have a Healthy and Wealthy Financial planning.

Tuesday, October 03, 2017

how i survived a heart attack when alone

Heart Attack  -  how  i  survived a heart attack  when  alone
Classical symptoms of a heart attack include:

Severe chest pain (like squeezing, or a heaviness, or pressing) at the central or left part of the chest, lasting usually for at least 20 min. The pain may also radiate to the left upper arm, neck or jaw. The pain may feel like a heavy weight on your chest, a squeezing or tightness around the chest, or indigestion/heartburn. Mild chest pain or discomfort in the chest, rather than sudden, crushing pain, is the most common symptom of a heart attack. however, many people, in fact, have a heart attack with little to no chest pain. Symptoms can be quite different from person to person, may appear in mild or severe forms, and may appear and recede and reappear over several hours. Some people can suffer a heart attack after showing only mild symptoms, or no symptoms at all

Other two prominent sign are
·         Profuse sweating and a feeling of impending doom.
·         shortness of breath, nausea,
Most cases of heart attack are caused by a blood clot forming in one of the blood vessels responsible for supplying blood to the heart. The resulting blockage deprives the heart of oxygen-rich blood, causing damage to the heart muscle, which progressively dies. 
Taking an aspirin – the most commonly taken blood thinning medication in the world – during a heart attack improves survival. Taking an aspirin during a heart attack may help as it prevents the clot from getting bigger, giving the body a chance to break down the blood clot. It's always a good idea to keep yourself prepared for a heart attack even if you yourself have no heart issues. A single (80 mg) aspirin can mean the difference between life and death for many people and an aspirin takes up very little space in your wallet or purse.
Nitroglycerin (SORBITRATE TABLET) has not been shown to prevent heart attacks or improve survival substantially during an attack. It is more useful for patients with angina, an altogether different condition where patients experience chest pain or discomfort when exerting themselves.”
Angina results from an imbalance in the supply and demand for blood to the heart, but it is due to a narrowed blood vessel and not to a clot that needs to be broken down. Taking nitroglycerin during such a situation may temporarily expand the narrowed blood vessel and relieve discomfort.
Should you experience a heart attack – regardless of whether you’re alone or in the presence of others – the very first thing to do is to go to  the hospital, ask somebody  to  drive  you  there. You need specialized treatment to be delivered to you as quickly as possible in order to save your heart muscle.
Just know that aspirin and staying calm can and will save your life DONT PANIC
About half of heart attack deaths occur in the first hour, before the victim reaches a hospital.[3] Thus, if you experience a heart attack, it is essential to act quickly in order to maximize your chances of survival. Instead of waiting for the ambulance, go to hospital yourself. Taking aspirin/sorbitrate within the first five minutes of a heart attack, and receiving medical attention within the first hour, can mean the difference between life and death

MY HEART  ATTACK (19.04.2010.)

My wife has gone out to pickup  my  kids from  school bus stop.

No one is  at  home.

I was working on my computer since 9 Morning at my home office. Its about 1230 noon  time. Suddenly I fell down to the left side in the flloor from  the chair without  any warning.

There was a fullness  and  heavyness in  the heart  area and breathlessness, perspiration on forehead and hands.. I  went  to  the  nearby bedroom and lie down on  the  bed.

And I  took one sorbitrate tablet under the tongue.. And I called my family doctor s.k.chuahan. He told  me  to immediately go to hospital   and  take two more  sorbitrate at 5  minutes interval.

I tried  my wifes  mobile,  but she  has not picked up phone. Than I  called sayeed  bhai over mobile and asked  him to  come  immediately to under my home balcony .Told  him that I have to  go  to  hospital  immediately as  I feared something is  wrong..

I called my  neighbor nafis bhai  over phone to come immediately  with  his  son as I know  that I  cant  walk down the  stairs  from the third floor flat where I stay. They will  have  to carry  me down to  the  car.
By  that  time my  wife arrived with my son. I told  her to  drop  the car keys to sayeed bhai who  is standing below  our  balcony. I asked  sayeed  bhai over  phone to start my car and with the help of  nafis  bhai and his  son  I came down from  my third floor flat.

Sayeed bhai was nervous while driving the car.  I told him not to worry. I asked him  to take me to the  hospital gate through which only ambulance is allowed,  I know  where that gate is.Because i surveyed that gate before. I knew someday i may have this  problem.
Sayeed bhai  took me ,wife  and son to emergency gate of Escorts heart Institute, New Delhi  which is  just 15  minutes away  from my home.

IN  EMERGENCY ROOM:  Once inside emergency room , I  stopped  thinking myself and the doctors  took over.  They immediately gave me one handful of tablets of aspirin.
Than they  took me  to  the heart  center. While going, I saw my wife and  son in the verandah from my bed. I will  never  forget  the expression on  their faces. I asked  my wife to call my parents.
In the  heart  center, they  gave me emergency care to  recover me. I heard the nurse say "do something doctor, patient is slipping and in great pain".I looked towards my ECG monitor, i know whats happening and than I  just closed my eyes and started praying to Allah.. I heard the  attending doctor to  order a nurse to  push an emergency injection  and told  the nurses to count  to ten  and said I will come back. The nurses finally said I stabilized. Shilling experience of  life.
Than the main doctor Nishit Chandra came and told me that they will go for stenting one day later. They  cant do it immediately  as they have used an emergency injection. I said okay, do as you feel proper.

IN  HEART  CENTER: Before my coronary angiogram (20.04.2010.)
I was allotted a female nurse who stand s  near  me, never sits. They change duties but never leave me alone. I  have a bell also in the bed. With  oxygen mask and all the gadgets,  I cant talk. Just signal.
These people are very professional and very careful about human dignity, I loved this very much at the hospital. 

When they are taking me to the operation  room, I  saw my mother  ,brother  toufique and brother in law rajib who came all the way from Guwahati, Assam. I  told my mother that I will  be okay insha allah, dont worry. She caressed my hairs and did not say anything.  My  father already  had open heart surgery long time back, so  she is calm, but my wife , I can never forget her crying face all  my life.
The room is kept at a cool temperature because of the hi-tech equipment, television screens and monitoring equipment. I was shivering there because of cold temperature. I was asked to move over on to the x-ray table from my bed, which is quite narrow  and  cold. . 

I was lying face up on the x-ray table and awake throughout this procedure and I was asked to lie flat and keep still as possible. I saw all  around me only female nurses/technicians and the  main  doctor nishit Chandra. He asked me  how I am feeling with a smiling  face. I said okay. He said  it will hardly take 15 minutes. He asked  me why I am shivering,  I  said  maybe  because of the cold  inside the room. He made  me comfortable with words.
Than they started putting all gadgets on my body and Inserted  IV set etc.
I have seen it  in the hospital, they  always tell  me what they are going to do with me before doing anything.
The doctor told me  he is  going to  make very  small cut  in my right groin. And if that  area is not successful ,they will cut  in the left groin. Now I know why  they shaved my both groin area before coming to operation  theater.
The right groin area is washed and disinfected and then numbed with an injection of local anesthetic. A small incision is made at the right  leg entry site, and a short plastic tube (sheath) is inserted into my right  leg artery. The catheter is inserted through the sheath into my blood vessel and carefully threaded to my heart or coronary arteries. I was feeling like ant bites inside my veins.

Contrast liquid is put through the catheter to help my blood vessels and organs show up better. I felt a warm HOT FLASH as the liquid is put into the catheter. Also get a headache .Doctor said it will go  away, don’t worry.

A series of X-rays are taken once the dye is injected. The X-ray machine is moved around me and the bed is moved to obtain the correct position. The x-ray machine  moved close to my chest and  also moved towards my head and from side to side. This enables a complete picture of the heart, arteries and valves to be taken. I was also watching in the monitor my veins.
The doctor told me that I have three arteries  blocked and they  will have to use two stents. I asked him  to look  at my kidney also. He smiled  and told  me it  will cost Rs3000 more for the dye. I said go for it. He smiled and  said I am his  one of the most knowledgeable patient. They rarely get such educated patient.
Doctor went out to discuss with my family and take permission to do  it.

During angioplasty, the balloon is blown up inside the coronary artery, squashing fatty deposits and widening the narrowed artery. Usually the catheter also carries a short hollow tube made of stainless steel (called a stent) which opens out as the balloon is blown up and is left inside your artery. It is like a tiny piece of scaffolding that holds the artery open.I was implanted with two stent of the drug eluting variety.

The procedure took approximately 45 minutes, not 15 minutes as he said.

They kept me at the operation  theater waiting room for one hour for any emergency.Than they shifted  me to the ICU.
The  nurses keep a pressure dressing, sandbag,  in place over the cut site of  my right  leg to stop bleeding. The nurse will check my blood pressure,  temperature,groin area and feet pulses frequently. They check frequently for swelling  in the cut area. The female nurse who  stand near  me frequently check the groin area for any bleeding.I was bleeding a little. She wipes by her gloved hand  any blood.

Arteries are high-pressure systems. The risk for significant bleeding after an invasive procedure is high. I was lying there  with no  movement  of the leg for  12 hours as they nurse told me.. 

The  nurse who  is attending to me gave me a lot of  water to drink. An increased fluid intake promotes excretion of the contrast medium, reducing the risk of toxicity (particularly to the kidneys). She  gave  me a bedpan to  urinate  as I was urinating very  frequently. 

The nurse never allowed  me to move even to eat in the first day. The nurse will feed me tablets, coconut water, salad, fruits, oats always by her own  hand.   

The pictures shown are from  the recovery room. I was assigned one female  nurse .She  gave me medicines, fed  me food etc. She always stays outside the toilet when I am inside and never allowed me to lock from inside. The male nurse daily  gave  me a  shave.
I was also enjoying the TV also. They made me walk outside the room before discharging  me with the following advices.
After coming home: Five steps to follow  daily and regular  visit  after  every six months.
1. Maintaninng Blood pressure  by medicine  and salt  restriction.
2 .Maintaining Cholesterol by medicine and diet  control.
3. Maintaining  Acidity by medicine
4.Using blood thinner as prescribed
5. Maintaining fitness  by walking  daily in  the nearby garden.

May  Allah don’t give such  health problem to anybody in this world . Its  a big drain on  money  and mental condition  of the whole  family.
Change your attitude towards life. Do not look for perfection in everything in life.I understood that my livelihood  cant be  taken by  anyone.  Put your  best  efforts in what you do and than leave the result for  GOD. I have firm belief in GOD.  
Go  for  health  check  up  If you are past the age of 30 ( once in six months recommended) 

1.Snoring,  2.Sexual problems  in men  &  women,  3.Gum  Problem,  4.Swelling  in leg  and  feet  5.Irregular  Heartbeat  6.Breathlessness  (Especially  while  taking Stairs or  walking)
So please get  aware of this silent killer.

A chat with Dr. Devi Shetty, Narayana Hrudayalaya (Famous Heart Specialist) Bangalore

Qn1. What are the thumb rules for a layman to take care of his heart?
1. Diet - Less of carbohydrate, more of protein, less oil
2. Exercise - Half an hour's walk, at least five days a week;
3. Quit smoking
4. Control weight
5. Control BP - Blood pressure and Sugar.

Q.What are the first aid steps to be taken on a heart attack?
Ans:Help the person into a sleeping position, place an aspirin tablet under the tongue with a sorbitrate tablet if available, and rush him to a coronary care unit, since the maximum casualty takes place within the first hour.
Q.How do you differentiate between pain caused by a heart attack and that caused due to gastric trouble?
Ans: Extremely difficult without ECG.

Q.Can a person help himself during a heart attack (Because we see a lot of forwarded e-mails on this)?
Ans: Yes. Lie down comfortably and put an aspirin tablet of any description  and 
sorbitrate tablet  under the tongue and ask someone to take you to the nearest coronary care unit without any delay and do not wait for the ambulance since most of the time, the ambulance does not turn up.

Q.What are the things one needs to take care of after a heart operation?
Ans : Diet, exercise, drugs on time , Control cholesterol, BP, weight.
 go for health checkups.
Glyceryl trinitrate (GTN)
GTN comes as tablets or sprays. You take a dose under your tongue as required when your angina pain develops. GTN is absorbed quickly into the bloodstream, from under the tongue. A dose works to ease the pain within a minute or so.You should always carry your GTN spray or tablets with you.
How long people with chest pain should wait before calling an ambulance is a question familiar to general practitioners and emergency doctors.
The British Heart Foundation advises patients with known ischaemic heart disease that chest pain that lasts more than 15 minutes is probably a heart attack.2 Within this time patients are advised to use their glyceryl trinitrate (GTN) spray three times at five minute intervals before calling an ambulance.

Friday, August 25, 2017

How to develope MLSS in aeration tanks of STP

How to develope MLSS in aeration tanks of  STP

1)Add two tanker (10,000 liter) of activated sludge water  having seed culture (microbes) from settling tank of  existing similar plant from similar industry located anywhere nearby to the aeration tanks of your STP, so that microbiology develops in your aeration tanks. Adjust pH of aeration tank. If you can get domestic waste activated sludge from a working STP plant, it will also work.
Now put the aeration tank to operation in continuous mode by feeding continuously with wastewater with sludge re-circulation as per design re-circulation rate but without any sludge wasting till the biomass concentration reaches to design MLSS. During this phase collect and analyze MLSS samples at every 12 hour interval.
Once the design MLSS concentration is achieved start sludge wasting as per design.

2)  The better of many procedures will be as follows.
1. Fill the aeration tank with water which is not having a TDS of more than some 200 mg/l.
2. Dump cowdung at 10 % of the weight of the water in the tank.
3. Start the aerator and allow aeration for 48 hours.
4. Stop the aerator by about 8 AM on day 4 and allow settling in aeration tank itself for three hours.
5. Syphon out the top supernatant for 10 % of volume.
6. Repeat steps 2 to 5 for 5 to 6 cycles.
7. By this time, bacterial mass would establish.
8. Repeat steps 2 to 5 for 3 to 4 cycles with 5 % cowdung and 5 % raw effluent instead of full 10 % of cowdung.
9. Add micro nutrients as in attachment every the cowdung / effluent mix is added.
10. At this stage verify the raw effluent COD and settled supernatant COD.
11. Let us know the COD values at this stage and based on this we can proceed further.
It is usual that it takes about 3 months to establish a culture like this method. What happens in this method is the bacteria are allowed to go through a mutation process and also grow by retaining its "genetic memory" in its DNA. This way, the acclimatised bacteria once grown will never get knocked out.
There are other methods whereby people buy "enzymes" and start using or use "ready made" dried cultures. These will give excellent results to start with but they are from a different "gener" and will collapse very quickly in case of shock loads.
Thanks & Regards
Dr. S.Sundaramoorthy
Technical Advisor (ex-Engineering Director of Chennai Metropolitan Water Supply and Sewerage Board)

3) For a project this size, the best way is to get 2 tankers of activated sludge from a nearby municipal treatment plant. This is also the cheapest and quickest way. Everything else will take considerable amount of time. The second best alternative is to buy bacterial culture and add to the aeration tank.
They will eventually mutate and grow in size but you will need to replenish them with the same culture at regular intervals. Try Sudershan Chemicals of PUNE for bacterial culture.
Taral Kumar
Executive Director
Akar Impex Pvt. Ltd.
Noida, Uttar Pradesh

• Cow dung is the starter for development of MLSS in aeration tank. 
• Take fresh cow dung. 
• Remove the grasses or any other foreign material.
• Prepare slurry in the separate tank.
• Add cow dung into aeration tank filled with effluent.
• Quantity of cow dung is around 3kg/m3 (as such basis).
• Keep the aeration on for 24 hr.
• Add urea & DAP to support the growth.
• Slowly take effluent intro aeration tank after 4 to 5 days.
If you need any further information then please free to contact us.
With regards,
Prof. R. V Saraf

Tuesday, August 22, 2017



1. Almost 30-45% water is rejected from an RO system. The increase in TDS percentage in reject water will be somewhere close to 33% higher than the input TDS. The reject water from an RO system is fed directly into a 2nd RO unit to reduce the quantity of reject water. The reject of the second RO is thermally evaporated or treated by root zone technology.
2. REUSE: Most reject water, with a TDS level of 1200 - 1500 PPM can be safely used for car washing, flushing toilets , gardening etc.
3. ROOT ZONE TECHNOLOGY: If there is land available, we can use this water selective plantation suitable for high TDS after pH correction. The reject water from RO is subjected to  root-zone technology applying sacrificial plants typha-reeds or cayhna-indica etc. Only plants can use the in organics. This is how Nature is designed. The remedied water can then be used for other grass/ greens/Irrigation.

4. Thermal Evaporation: Evaporation is a time-tested methodology for reducing the water portion of water-based waste. The evaporator converts the water portion of water-based waste to water vapor, while leaving the higher boiling contaminants behind. Thermal Evaporator heated by natural gas or other available heat sources like boiler steam can evaporate water to atmosphere very effectively. Multiple effect evaporators  are costly and energy guzzling.

5.RO reject water should never be added to ETP water or rain water harvesting system.

Friday, August 18, 2017

How to purify your heart spiritually in islam in three steps

How to purify your  heart  spiritually in islam in three steps

I have compiled the following as a reminder for myself and for those searching for similar advice.

The following article is from

“A day in which neither wealth nor children shall be of any benefit, except one who comes to God with a sound heart” (Sūrat’l-Shu‘arā’: 88-89).
Spiritual purification of the self is the essence of Islamic teachings. Knowledge of this science was traditionally learned by keeping company with good teachers and righteous companions.

NUMBER ONE :    The Obligatory Prayers
This one is so obvious it doesn’t need to be stated. However, the reality is, most of us struggle to keep up with our five prayers on time. Those already doing this should work on offering the voluntary prayers (sunnan rawatib) and supererogatory prayers (dhuda, ishrāq, alāt’l-wuū’ etc).
NUMBER TWO :Have a daily reading of Qur’ān
Whether it is a hizb (i.e. 1/60  of Quran)a few pages or a few lines, pick an amount that you can commit to reading from the Qur’ān everyday. Make it a routine to read that amount after one of the obligatory prayers—after Fajr is usually the best time to do so.
NUMBER THREE: Daily Supplications (tasbeeh) for Morning or Evenings
Having a regular supplication (a designated amount) of tasbeeh (Darud, ashtagfaar etc) is also necessary in one’s daily routine. The Prophet (PBUH) recommended supplications for mornings or evenings. Your spiritual guide will  tell you what to do.. Set aside a time, usually after Fajr or Maghrib, to recite them.
The last piece of advice is to make du‘ā’ and to avoid sins. Practical measures outlined above need to be coupled with constant prayer asking God to grant you a pure heart. In addition, while sins are inevitable, an active effort needs to be made to avoid sins we commit consistently. As mentioned earlier, sins are barriers that limit the opportunity to do good works; avoiding them and constantly seeking forgiveness is therefore vital.
Allah loves those who constantly repent (Qur’ān  Sūrat’l-Baqarah: 222); our Prophet (  PBUH Say Darud), the best of creation, would seek repentance over 70 times a day; 
Sins are barriers which restrict the opportunity to do good works; so begin your journey with sincere repentance. List all of the main sins you aim to eliminate in the future and ask forgiveness for those sins specifically. A specific repentance with the intention of starting on a spiritual quest will act as a starting line for you. It will put you in the right frame of mind and will allow you to be cognizant of committing these sins again.

Please pray for their  maagfiraat.
Death is inevitable. It is the one thing that we can be certain about in life. We are born to die. Every soul shall have a taste of death no matter who they are. This is confirmed for us many times in the Quran:

"Every soul shall have a taste of death: and only on the Day of Judgement shall you be paid your full recompense." (Quran 3:185)

"Every soul shall have a taste of death: and We test you by evil and by good, by way of trial. To Us must you return." (21:35)

"Every soul shall have a taste of death: In the end to Us shall you be brought back." (29:57)

and the Almighty says, “No self knows what it will earn tomorrow and no self knows in what land it will die.” (W31:33; H31:34)
The Almighty says, “When their specified time arrives, they cannot delay it for a single hour nor can they bring it forward,” (16:61)
and the Almighty says, “O you who believe! Do not let your wealth or children divert you from the remembrance of Allah. Whoever does that is lost. Give from what We have provided for you before death comes to one of you and he says, ‘O Lord, if only you would give me a little more time so that I can give sadaqa and be one of the righteous.’ Allah will not give anyone more time, once their time has come. Allah is aware of everything you do.” (63:9-11)
Ibn ‘Umar used to say, “In the evening, do not anticipate the morning, and in the morning do not anticipate the evening. Take from your health for your illness and from your life for your death.” [al-Bukhari]

Abu Huraira reported: The Messenger of Allah, peace and blessings be upon him, said, “Remember often the destroyer of pleasures,” by which he meant death.

Source: Sunan ibn Majah 4258, Grade: Sahih (authentic) according to Al-Albani

Sunday, June 11, 2017

How to pay zakat, Sadaqa Al-Fitr, Fidya and Kafarah

How to pay zakat, Sadaqa Al-Fitr, Fidya and Kafarah   

The concept of Zakat is to assist the poor and those who are suffering in order to help them end their suffering and get back on their feet.
Recipients of Zakat must be sufficiently poor to receive it. They don’t have personal assets that either meet or exceed the nisab, they are eligible to receive Zakat.
 To put it in simple terms, people who are poor and suffering are eligible to receive Zakat money. They can be any of the following: 
  • The Poor & The Needy – these people may have some wealth and funds but it is not enough to make up for the nisaab.
  • The Destitute – People who have no wealth or funds. They are living their life on the very basics necessities of life.
  • Zakat Collectors – People who collect Zakat as well as distribute it.
  • People in Debt – People who are in debt but cannot pay it back are eligible for Zakat. 

POOR PEOPLE IN YOUR LOCALITY. It is easy to donate to zakat fund of your local area masjid.

If each locality takes care of itself, its sufficient for development of the society.

Zakat is 2.5% of one year’s total cumulative wealth. This amount is then distributed to the poor. It can be easily understood from the following table.

Any Muslim who possesses the required nisaab (the minimum amount of wealth that one must have before zakat is payable) for one whole year is bound to pay Zakat on that wealth. The simple concept of zakat is that It is customarily 2.5% (or 1/40th) of a Muslim's total savings and wealth above a minimum amount known as nisab is payable  as zakat. No Zakāt is due on wealth until one year passes. .
Nisab is the exemption limit for the payment of Zakat. If a Muslim’s net yearly savings falls below this amount, he or she is exempt from paying Zakat. Only those people whose net capital exceeds the nisab values are obliged to give zakat. The nisab amount is calculated based on the current value of 3 ounces of pure Gold.If you have more than 7 and half  tolas of Gold or 52 and half tolas of Silver, zakat is payable. 
Items That Fall Under the Scope of Zakat
Keep in mind that in addition to cash at home or bank account, Zakat is also owed on gold, silver, investments, rent income, business merchandise and profits, shares, and bonds, Loans given or funds received. Any of these must be taken into account when determining the Zakat amount. Cattle and crops that are in excess of one’s need.

Enter all assets that have been in your possession over a lunar year:
Sr No
Amount (Rs.)


In hand and in bank accounts

Deposited for some future purpose, e.g. Hajj

Given out in loans

Business investments, shares, saving certificates, pensions funded by money in ones possession

Value of Stock of trade

DEDUCT ALL LIABILITIES(Borrowed money, goods bought on credit, Wages due to employees, Taxes, rent, utility bills due immediately)

Total assets

Zakat payable= 2.5% of total asset


Manju ka,

Regarding zakat, what I know are

1. Eligibility for zakat: If you have more than 7 and half  tolas of Gold or 52 and half tolas of Silver. 
2.Items on which zakat is to be given: Please go through the zakat calculator (Attached),you will understand yourself..It is more like wealth tax. It is on the amount lying with you for one year.A man may earn Rs. 1 lakh a month but spends the entire amount of his salary, is not liable to play Zakat, even if he had earned Rs. 12 Lakhs a year.
3.Financial year: Take any date in the month of ramadan  Ramadan is gud for remembering the date.
4.What about the fluctuating value of gold and the amount of zakat to be paid : Always take a higher value.Its always better to pay more than pay less zakat.

Please share your knowledge.
Zakat is not income tax. It is more like wealth tax. It is on
the amount lying with you for one year.
The calculation of the financial year is extremely important. It should
be calculated from the day you have become Sahibe Nisaab. Note down the
Lunar date (Arabic calender) and also the amount you have with you. Say
you have Rs. 2 lakh (the day you have crossed the value of 7 and half
tolas of Gold or 52 and half tolas of Silver). Then, exactly on the
same date next year calculate how much money you have. Say, it is Rs. 5
Lakh. Then your Zakat will be due on Rs. 2 Lakh. (The rest of the 
amount, that is Rs. three lakh, have not completed one year
.) Again
next year, on the same date suppose you have Rs. 10 lakhs with you.
Then Zakat will be payable on Rs. 5 Lakh which completed a year.
Although it appears to be simple I was initially confused about one
thing. That is, what about the amount that completes a year in the
middle of YOUR FINANCIAL YEAR. I thought that Zakat will be payable on
that too. No one could give me satisfactory answer to that. But reading
books I could make out that the identification of the FINANCIAL YEAR is
important. Accordingly I have decided on the formula above. Of course
there are many other fine points (masails) to be taken note of. But
broadly that is what I understand.

Since I could not remember when I became a Sahib e Nisaab, I have
taken the 15th Ramzan as the date to calculate my Financial Year. This
may not be entirely correct, but at least it gives me a convenient
reference point. I am no scholar on the subject. I am only stating what
I understand. There may be points of disagreement.


I have added one very important correction. Please rectify the mistake
I have made. It is regarding the zakatable amount.

The completion of one year is necessary only regards to your being
considered a Sahib e nisaab or not. Otherwise you are liable to pay
Zakat on the amount lying with you on the completion of the relevant
financial year.

That means if you get Rs. 10,00,000/- only a month before the due date
of calculation, it is also zakatable. I have corrected my position
after doing some reading and confirmed it from my spiritual teacher.

I sincerely apologise for the confusion.

Khuda hafiz,


Its time to think about Zakat , May people does not know even his Zakat
is due.

The tool Zakat Calulator will help them who knows computer.

Common muslim does not know how to calculate Zakat.

Even people say ' I do not have 9.5 tola GOLD , I am not liable.
"ý and feel happy.

For salaried person , every month 2.5% of his salary should be
accumulated separately ( and should not be touched in any condition )
and give to people as mentioned in Quran . This is very simple. and
straight .

I think ZDS ( Zakat deduction at source ) is better.

If you pay your zakat dues to the poor and needy that you know (and especially if they are from among your poor relatives), then that is better than giving it to someone whom you do not know. As your poor relatives have a bigger right on you than the others.
Zakat can be paid out to any of the following eight deservants as ordained by Allah in the Glorious Quran:

Holy Quran Chapter 9 Surah Taubah verse 60: Zakat Collections are for the needy, and the indigent, and for those who are employed to collect them, and for those whose hearts are to be won over, and for the ransoming of slaves, and for helping the debtors, and the way of Allah, and for the hospitality of the way-farers.

When to Pay Zakat:

While Zakat can be paid anytime during the Islamic lunar year, many people prefer to pay it during ramazan.


Fitr or Fitrana, is compulsory charity paid by Muslims at the end of the fasting month. Every adult Muslim who possesses food in excess of his/her needs (approx. 2kg) must pay Fitr for him/herself and on behalf of dependants.
The accepted amount for Zakat ul Fitr is Indian Rs50/= per person of the family on june,2017.. Though this is payable until the morning before Eid Prayer, we urge donors to give theirs in advance. By doing so, you’ll be allowing the families who rely on your Fitr to make their preparations for Eid.

The Prophet (may Allaah raise his rank and grant him peace) ordered that a fasting person give out Zakaat al-Fitr at the end of Ramadhan – one saa’ of staple food on behalf of yourself and each person you are responsible for. [1]

What is a Saa’?

A Prophetic saa’ ( صاع ) is not a weight measurement.  It was and still is a measurement of volume, similar to the size of a large salad bowl.  It is made up of four mudds, and a mudd ( مد ) is a smaller container, close to the size of a small salad bowl.
To be precise, a Prophetic mudd in modern volume measurements is 0.75L (or 750mL), which means that a saa’ is three litres.
 The most common understanding is that one sa'a is equivalent to 2.5 kilograms (5 pounds) of wheat. Each individual Muslim is to give away this amount -- man or woman, adult or child, sick or healthy, old or young. The senior member of the household is responsible for paying the amount on behalf of the family.
So a family of four individuals (2 adults + 2 children of any age) should purchase and give away 10 kilograms  of wheat.

“The Scholars have Specified the Saa’ as 2.172 Kilograms” [?]

In a translation of a fatwaa from the Permanent Committee of Scholars in Saudi Arabia, headed by Shaykh Ibn Baaz (may Allaah have Mercy on him), there seems to be a specification of 2.172 kilograms as one saa’.
It is preferable (and some scholars say mandatory) to give the zakat-ul-fitr as food to the poor and needy of the society. But if one is not able to personally give out the food as zakat-ul-fitr, it is permissible to give the equivalent amount to an organization who collects the zakat-ul-fitr; and they in turn will purchase the food on your behalf and give it to the poor and needy.

When to Pay Sadaqa Al-Fitr

Sadaqa Al-Fitr is a charitable donation linked directly to the month of Ramadan. One must make the donations in the days or hours just prior to the Eid Al-Fitr holiday prayer. This prayer occurs early on the first morning of Shawwal, the month following Ramadan.

Who Benefits From Sadaqa Al-Fitr

Sadaqa Al-Fitr is intended for members of the Muslim community who do not have enough to feed themselves and their family members. It is traditionally given directly to individuals in need. In some places, one may take the donation directly to a known needy family. In other places, the local mosque may collect all of the food donations for distribution to appropriate community members. It is recommended that the food be donated within one's local community. However, some Islamic charitable organizations accept cash donations which they use to purchase food for distribution in famine or disaster-affected regions.


Its payment in money

Al-Qaradawi explains why the Prophet appointed Sa` as the measure and did not prescribe it in money saying that in his opinion there are two reasons for this: First, money was still rare among the Arabs particularly the Bedouins. They did not have their own currency. So if the Prophet had prescribed it in money, he would have caused hardship to them. Second, the purchasing power of money changes from time to time. For instance, the purchasing power of a certain currency sometimes becomes low and other times high, so paying Zakat al-Fitr in money makes its value unstable. That is why the Prophet prescribed it with a stable measure, that is an amount of food which fulfils the needs of one family. For one Sa` provides a family with food for a whole day.

The Hanafis permitted the payment of Zakat al-Fitr in money. This is the view of Al-Thawri, Al-Hasan al-Basri, and `Umar ibn `Abd al-`Aziz. However, the other three schools did not permit this. Their argument is that the Prophet did not do so and hence its payment in money contradicts the Sunnah of the Prophet. But some contemporary scholars support the Hanafi view since this is easier nowadays for the payer particularly in cities where people use only money for dealings. Among them are Sheikh Shaltut, al-Ghazali, and al-Qaradawi[28] who mentioned earlier the two reasons for which the Prophet did not prescribe it in money. He also stated that the purpose of Zakat al-Fitr is to fulfil the needs of the poor and this is achieved also by payment in money and that in most cases and most countries the payment in money is more useful to the poor.[29] He also mentioned that when the Prophet prescribed it from food, it was easy for the payer and useful for the recipient during that time. But nowadays to pay it in food is not useful for the poor because he cannot make use, for instance, of wheat or dates unless he sells them with any price, generally low, to buy his needs with the money.[30] 

Al-Qaradawi excluded the times of famines where the payment of food is more useful for the recipients and said that the criterion is the benefit of the poor so if food proves to be more useful as in times of famines and catastrophes, then its payment in kind is better. But if money is more useful, then its payment in money is better.[31] 

Nowadays, if we consider the condition in the Muslim world in general and that of Muslims in the West in particular we will discover that the second view is more convenient with the spirit of Islamic legislation and the present condition of Muslims. As we will see later when Muslims living in the West decide to transfer their Zakah funds or some of them to needy Muslims in Muslim countries, then the payment in money is more convenient. 
The required amount of zakat ul-fitr is one sa' of wheat, barley, raisins, dry cottage cheese (aqit), rice, corn, or similar items considered as basic foods (qut). Abu Hanifah made it permissible to set aside, as a zakat ul-fitr, an equivalent value and also said that if the payer pays in wheat, one-half of a sa' would be sufficient.
Sadaqah al-Fitr is one kilo 633 gram wheat or three kilo 266 gram barley- Allah knows Best! Darul Ifta,Darul Uloom Deoband (Fatwa: 955/966/H=10/1436). This is Indian rupees fifty on June,2017 per person of the family.

Fidya – for Old person, poor health

Fidya is payable by those who are unable to fast during the month of Ramadan for valid reasons (due to poor health etc.) Such a person must pay to feed a poor person (2 meals a day) for every day of fasting he/she misses. This is called Fidya.

Pay fidyah equal to one Sadaqah al-Fitr in return of each fast. Sadaqah al-Fitr is one kilo 633 gram wheat or three kilo 266 gram barley which should be paid to poor and needy ones.Darul Ifta,Darul Uloom Deoband (Fatwa: 955/966/H=10/1436)


Kafarah is payable by those who intentionally don’t fast during Ramadan, without a valid reason. The compensation for each fast broken is to feed a person (2 meals a day) for 60 days. This is called Kafarah.
Alternatively such a person must fast for 60 consecutive days.