The Zakat Compounding Gap: Ijarah vs Deposits, 30-Year Horizon

$1,000,000 at 5% annual yield · Ijarah pays zakat on rental profits only; deposits pay zakat on the full balance

No zakat (baseline 5%)

Ijarah — zakat on profits

Deposit — zakat on balance

Ijarah advantage

Invesense Research | Fiqh Council guidance on Ijarah sukuk usufruct · long-term holding intention | May 2026