it would surely have been clarified by Allah and His Messenger, for Allah the Exalted says, “We have sent down to you the Book as a clarification of all things” (Sūrat al-Nahl, 89). No authentic, unequivocal ḥadith states that the follower in congregational prayer is exempt from reciting al-Fātiḥah—whether the prayer is silent or audible. The practical difference between the two is merely this: in an audible prayer you recite only al-Fātiḥah, then remain silent and listen to the imam’s recitation; in a silent prayer you may recite al-Fātiḥah and other passages until the imam goes into rukūʿ (bowing).
The Sunnah does, however, allow one exception: if a person joins the congregation while the imam is already in rukūʿ, the obligation to recite al-Fātiḥah is lifted. The evidence is the report recorded by al-Bukhārī about Abū Bakrah (may Allah be pleased with him). He entered the mosque while the Prophet (peace and blessings be upon him) was bowing, so he hurried, bowed before reaching the row, and then stepped forward into the row. When the Prophet (peace and blessings be upon him) concluded the prayer he asked, “Who was it that bowed before entering the row and then moved forward?” Abū Bakrah replied, “It was I, O Messenger of Allah.” The Prophet said, “May Allah increase your keenness, but do not do that again.”
The Prophet (peace and blessings be upon him) understood that what drove Abū Bakrah to hurry and bow prematurely was his eagerness to catch the rakʿah, so he told him, “May Allah increase your eagerness, but do not repeat this”—meaning: do not bow before joining the row or rush in that manner. He (peace be upon him) also said, “When you come to the prayer, proceed with tranquillity; whatever you catch, perform, and whatever you miss, complete afterward.”