What is the nisab for the zakah of jewelry intended for adornment?

Question:
After we have learned what is obligatory regarding the zakah of jewelry prepared for adornment, we request clarification of the method. Is it zakat based on the nisab of gold and silver, or on the nisab of monetary value? May Allah reward you with good.

Answer:
There is scholarly disagreement regarding the obligation of zakah on jewelry, but the correct view is that zakah is due on it if it reaches the nisab of gold and silver. If it reaches the nisab of twenty mithqals of gold, which is ninety-two grams, and in Saudi currency, eleven and three-sevenths of a Saudi riyal, meaning half a riyal; because the difference between three-sevenths and half is slight, so half is clearer... If it reaches this amount, zakah becomes obligatory on it, and likewise if it is more.
Then, if the gold is abundant and you pay the zakah in gold, that is sufficient. For example, if the weight of the jewelry is forty riyals, you pay one riyal and that is sufficient, or you pay the value of the riyal, exchanging the riyal according to the market price in paper currency or silver and paying its value, and that is sufficient. So you have a choice: if the gold reaches forty riyals, for example, then one riyal is due on it—one quarter of one-tenth. If you wish, you pay one riyal and give it to some poor people, or if you wish, you pay the value in paper currency and distribute it among two or more poor people.
Likewise, if the weight of the gold is eighty riyals, then two riyals are due on it. If you pay them or pay their value in currency according to the price at that time, there is no harm.
As for diamonds and other gems, there is no zakah on them if they are for wearing, not for trade. This applies only to gold and silver.