I needed some clarity on khums and loans.

I have a loan taken from someone of ₹22lakhs and at the moment I have about ₹10 lakhs in the account.

Do I need to remove khums of ₹10 lakhs or I shouldn’t cause my debt is more than my savings.

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Sayyid Sistani says that existing debt (current amount) on major life needs (house, car, etc) can offset khums. If the loan/debt is according to what I described then you do not need to take out khums