An Introduction to Financial Sacrifice — Page 176
176 Q : Is it binding upon a M usi student to pay Chanda Wa s iyyat upon his pocket-money/stipend? A: Student scholarships/stipends will not be subject to Chanda at the prescribed rates. However students are expected to get a sum fixed after consultation with the Jama'at and pay their Chanda accordingly. Q : Along with paying H i ss a A mad upon their full salaries, employees also contribute a certain amount each month on the basis of which they receive pension upon retirement. Will Chanda be payable on the pension in such a case? A : Yes, H i ss a A mad shall be payable upon the pension. This is because the monthly contribution consists of a very minor amount, whereas the monthly pension received upon retirement is more substantial. If someone still wants to deduct this amount from his pension, he will deduct only the amount, which he has contributed. Chanda will be payable on the rest. Q : What types of expenses are allowed to be deducted from one’s income with regard to Chanda ? A : The income upon which Chanda is payable refers to all kinds of income from all sources. Only the following payments can be deducted from the actual income: (i) Allowances given to employees, whose expenditure is not in the hands of the employee. (ii) Mandatory taxes levied by the government, e. g. , taxes, mandatory insurance, local rates. (iii) Allowances given to employees which are meant for specific expenditure, e. g. , Uniform allowance, Education allowance, Children’s allowance. (iv) Allowances, which are paid for the performance of official duties, e. g. , TA, DA. Q : Will the amount paid for house insurance be deducted from the actual income with regard to Chanda ? A : The amount paid for house insurance, even if it is mandatory, will not be deducted from the total income with regard to Chanda. If it is necessary to have the house insured in order to