Question:  What is the hukm for a gold ornaments or jewelleries of a woman who is not wearing them regularly which is up to the nisab?

Answer: The jewelleries that are up to the nisab of a woman is liable to pay the zakah in all situation whether they wear it regularly or not.

Note: It is advisable to always minimise the use of gold jewelleries up to the nisab so that you would not be liable to pay Zakah unless you are in a position to pay zakah.

Reference: [1] Fatwa Shami vol-3:244