The rule is: if a person when he dies you would inherit him, you can’t give him your zakat!

If your brother has a father, this means that when he dies, his father would inherit all his wealth. This means that you can give him from your zakat money.

Kindly refer to the following link(s):

Shaikh, can I give zakat to my brother who is unmarried and have no money for his surgery? He is 30yrs and no one is there to look after him.please reply Shaikh

Zakat | June 14, 2017 3:23 am
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If a person is having a saving amount e.g “A” which reached to nisaab and had passed 1 year on it, means Zakaah becomes compulsory on it. And that person is having a loan (.e.g. “B” amount)on him which he is paying monthly to Islamic Bank. So how the Zakaah is calculated. Also if loan minus saving (i.e. B-A) exceeds the saving amount then what about Zakaah on it ? Please clarify