Ref. No. 1919/43-1813
In the name of Allah the most Gracious the most Merciful
The answer to your question is as follows:
If you have 87 grams of gold or 612 grams of silver or rupees equal to 612 grams of silver, then Zakat will be obligatory on you at the end of the year, otherwise not.
And Allah knows best
Darul Ifta
Darul Uloom Waqf Deoband