QURAN-O-ITRAT ACADEMY

Question: Q:1 Is it allowable to take a loan from a bank ( any type of bank ) for the purpose of : (1) purchasing home (2) for the start or expansion of business Q:2 Is it allowable to purchase different things (e.g. car,plant and machinery etc ) on lease either through operating lease or through finance lease ?

Answer: 1-2) Kisi shaks se ya private ya government ya sami- government bank say is shart per qarza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay.Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga.or agar government bank ya sami-government bank say koe qarza le tu sood se bachne k liay wo shaks ye kare k dil main mujtahid se qarz lene ki niyat kare or is qarze per sood ada kerne ki niyat nah kare agarcha os ko maloom ho k government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is terah qarza lena jaiz hay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1,2,7). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kya Bank mein job kerna sahi hai ya nahi?

Answer: Bank k wo shobe jahan soodi maamlaat te pate hen, jese recording, dealing etc , in men job kerna jaiz nahi hai, Albatta ayse departments jin men soodi maamlaat ka ta’al’luq nah ho jese school fees, electronic, or telephonic bill collection waghera, in men job kerne men koi harj nahi hai. (Ref:Ayat Ullah khoe(d.b), Masail-ul-Shariya, Part: 2,Mafhoom e Jawab # 01, pg:51) Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: I want to take a loan from Standard Chartered (Foreign Non-Islmic bank) and Askari Bank. They will charge interest. Under what conditions I can take out the loan?

Answer: 1)Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay.Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga.or agar government bank ya sami-government bank say koe qarza le tu sood se bachne k liay wo shaks ye kare k dil main mujtahid se qarz lene ki niyat kare or is qarze per sood ada kerne ki niyat nah kare agarcha os ko maloom ho k government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is terah qarza lena jaiz hay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1,2,7).
2)Kaafir bank se sood (riba) ada karne ki shart par loan lena haram hai aur haram kaam se bachne k liay ye kar sakte hain k raqam ko kaafir bank se qarz ki niyat k baghair lain nah k loan ki niyat se agarchah jaante hoon k kaafir bank asal maal aur sood(riba) dono wosool karay ga. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8, page#437). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey

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Question: Can I take loan from foreign Bank for business purposes?

Answer: Kaafir bank se sood (riba) ada karne ki shart par loan lena haram hai aur haram kaam se bachne k liay ye kar sakte hain k raqam ko kaafir bank se qarz ki niyat k baghair lain nah k loan ki niyat se agarchah jaante hoon k kaafir bank asal maal aur sood(riba) dono wosool karay ga. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8, page#437). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey

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Question: Salam mera sawal yeh hai kia app mujh ko yeh bata saktain hain kai bank mai woh koun say sohbai aisay hain jin mai sodi kaam hota hain or kiya bank may cashier or accounts dept mai kaam karna jahis hai? Plz reply as soon as possible

Answer: Bank k wo shobe jahan soodi maamlaat te pate hen, jese recording, dealing etc , in men job kerna jaiz nahi hai, Albatta ayse departments jin men soodi maamlaat ka ta’al’luq nah ho jese school fees, electronic, or telephonic bill collection waghera, in men job kerne men koi harj nahi hai. (Ref:Ayat Ullah khoe(r.a), Masail-ul-Shariya, Part: 2,Mafhoom e Jawab # 01, pg:51) Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Is it permissible to work in a bank?

Answer: It is not allowed if that involve dealing with interest. (Ref: (Ref:Ayat Ullah khoe(r.a), Tauzee hul masael,Mafhoom e Maslah #2876).Update on dated 03-04-2015.(Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: I am working in Islamic bank Corporate Department .Is it permissible to work in Islamic banks.

Answer: It is allowed to work in the department where your job is not involved in haram transaction.(Ref: Email Rcvd from a.sistani dated: 03-04-15). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Can we use the interest in the home provided by bank because of financial crisis... jo bank me money hai vo jama puncji hai .. so can we use it ... yahudi bank ho to kia kerna hia aur agr islamic bank ho to b .. wht is thge answer .. rply me as soon as possible

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kia Banking k kisi bhi department me kaam kerna haram hai or jis dept me haram hai woh bhi batadeejiye?

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: If bank collect interest on my salary I will collect my salary from this private bank?

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: investment in private banks on monthly munafa scheme

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah khoe(r.a), Tauzee hul masael, Mafhoom e Maslah #2856,2860.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Salaam alaikum I wanted to ask that i am an MBA . can i work in banks ? because previous i heard it was not allowed. iltemas e dua Khuda Hafeez

Answer: If your job does not have anything to do with interest, there is no problem in it. (Ref:Ayat Ullah Khoe(R.h), Tauzee hul masael, Mafhoom e Maslah #2876). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kiya national saving center mein raqam deposit karkey monthly munafa leyna Shariyat ky mutabiq sahi hai ya hai? Kuoonkay is raqam sy karobar karnay ka koi tajarba nahi hai aur raqam kay zaya hojanay ka dar hai.

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Investment in National Saving Bonds (NSB) recently issued by Government of Pakistan is Halal or Haram? Information about NSB: http://www.savings.gov.pk/NATIONAL%20SAVINGS%20BONDS%20RULES.pdf http://www.dawn.com/wps/wcm/connect/dawn-content-library/dawn/news/business/19-national-savings-bonds-to-be-launched-on-11th-hh-04

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: hamai yaqeen he ke sab banko mai sodi muamela hota he. ab kia bank mai paisai sirf hefazat ki niat se rakhna jayiz he? kia ye gunah par madad nahi hoga?

Answer: Ye baat durust nahi hay k bank k tamaam kaam sood per mushtamil hotay hain.Balkeh khuch kaamo main sood ka ta’al’luq hi nahi hota maslan school fees, electric, Gas and telephone bills ki raqam wusool kerna.
1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: BANK MAY KON KON SAY DEPARTMENT MAY JOB KARNA HARAM HAY. THANKS

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: salam .may nay kuch paisay private bank may 5 saal kay liay fix kiay hay ospay jo interest mujhay milta hay wo jaiz hay agr nahe to os raqam ka jo mujhay har month milta hay kia karna chahiay . dosra sawal ye hay kay wo raqam jo may nay bank may fix karwai hay ospay khums kaisay or kitni dafa niklna paray ga .wo paisay may nay 5 saal kay liay fix kiay thay beech may osko nahe nikalwa saktee 5 saal baad khums dogee ?.tafseel say jawab dain. shukrya

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.).
4-Bank main fix kerwae hoe raqam per jab khums ki tareekh aajay tu os ka khums daina wajib hoga. Or jis cheez ka aik baar khums day dia jay tu phir os per khums wajib nahi hota. (Ref : Ayat Ullah Seestani(d.b), Minhaajus Saliheen Part # 1, Mafhoom e Maslah # 1212-1258 , Eidition 1430 hij). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Assalam-u-Alikum, Hum log pichlay 20 yrs say try kur rahay hain kay ghar khareed lain apna. Magar pesa juma nahi ho pata. Aur agar hota hai tau us waqt qeemat usee ghar ki bhar jati hai. Yai silsila kafi arsay say chal raha hai. Hum nay andaza lugaya hai kay hum bank loan par ghar khareed suktay hain aur phir loan ada kur suktay hain. Please Agha Sistani kay point of view say jawab dain. Jazzak Allah.

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay.Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga.or agar government bank ya sami-government bank say koe qarza le tu sood se bachne k liay wo shaks ye kare k dil main mujtahid se qarz lene ki niyat kare or is qarze per sood ada kerne ki niyat nah kare agarcha os ko maloom ho k government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is terah qarza lena jaiz hay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1,2,7). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: We all know that interest is prohibited in islam. My question is that why islam has particularly prohibited interest. what is the main logic behind this prohibition?

Answer: Hazrat imam jaffar e sadiq a.s. se sood(interest) ki hurmat ka sabab dariyaaft kia gaya to apne frmaya k agr sood halal hota to log tijarat chhore dete inhen is ki zarorat na rehti or Allah ne sood ko haram kar diya take logo ko haram choorh kar tijarat aur khareed o farookht ki taraf laye.(Ref : kitab illul sharae part# 2 Mafhoom e pg # 388 ). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kya private/gov bank kay account opening dept may job karsektay hain

Answer: It is allowed to work in the department where your job is not involved in haram transaction.(Ref: Email Rcvd from a.sistani dated: 03-04-15). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: i would like to ask,that i am working with UBL it was govt. but due to less shairs of govt. now it is private but still govt. has its shairs so is it permiable for me to take interest base loan for House or Car both are also my basic needs i had car and house but due to crises now i have saled them... as i am employee in UBL so the interest will be less and it will be easy to take loan for me. KINDLY TEL ME IN DETAIL

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay.Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga.or agar government bank ya sami-government bank say koe qarza le tu sood se bachne k liay wo shaks ye kare k dil main mujtahid se qarz lene ki niyat kare or is qarze per sood ada kerne ki niyat nah kare agarcha os ko maloom ho k government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is terah qarza lena jaiz hay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1,2,7). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Asslam-o-alikum, With All the blessings of Allah! i am living in rented house and can not afford to buy a house on my own. is it allowed to buy a house thru bank loan in which property will remain in the name of bank till i complete all payments due in account of loan? Please also suggest permissible way to get the home thru bank loan. Dua and Regards

Answer: Kisi shaks se ya private ya government ya sami- government bank say is shart per qarza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay.Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga.or agar government bank ya sami-government bank say koe qarza le tu sood se bachne k liay wo shaks ye kare k dil main mujtahid se qarz lene ki niyat kare or is qarze per sood ada kerne ki niyat nah kare agarcha os ko maloom ho k government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is terah qarza lena jaiz hay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1,2,7). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Asalam o alekum, Ya ALi madad. Kehte hain bank ka pura buisness sood pe hai kya ye sahi hai ? second bank ki job jaiz hai? syed Agha raza mehedvi jo ayatullah seestani k wakeel hain unka kehna hai k sirf wo bank jiska owner gher muslim ho us bank me job kerna jaiz hai. Muslim banks jnke owner muslim hn un banks me job kerna thk nahi. Kya ye sahi hai?

Answer: 1)Ye baat durust nahi hay k bank k tamaam kaam sood per mushtamil hotay hain.Balkeh khuch kaamo main sood ka ta’al’luq hi nahi hota maslan school fees, electric, Gas and telephone bills ki raqam wusool kerna.
2)Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29).
3)Agar bank ya adara jis main profit daine wala(owner) musalman nah ho tu aise department main job kerna jaiz hay jahaan aisa soodi lain dain huta ho. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #29, pg#453). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: salam i want to know that the intenship and external audit in banks is allowed or not plz reply me fast..

Answer: It is not allowed if that involve dealing with interest. (Ref: E-mail rcvd sistani d.b, dated: 02-04-2015)
Update on dated 03-04-2015.(Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Salam. Mera sawal bank kay howalay sy hai ka bank kay liability department may job karna jaez hai.

Answer: 1)Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).
2)Agar bank ya adara jis main profit daine wala(owner) musalman nah ho tu aise department main job kerna jaiz hay jahaan aisa soodi lain dain huta ho. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #29, pg#453). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: AOA Main yahan UAE mein rehta hoon aur apni savings Pakistan bhej deta hoon. Agar wo savings kisi bank ya Government idarey mein hifazat ki niyat se deposit karaein to uss pe jo interest mile ga kya wo mere liye halal hoga? Jab ke meri niyat interest lene ki na ho balke raqam apne bachon ke liye mehfooz karni ki ho.

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: KYA ISLMIC BANKING ME PAISE SAVE KARNA OR PHIR US PAR PROFIT LY NA JAIZ HY PLZ THORA TAFSEELI JAWAB DYN

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: kia qaumi bachat bank ka munafa jaiz hai jo ke fix nahi hai kabhi ziada kabhi kam or kabhi fix bhi detain hain

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay. 2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: ma bank ke information technology(IT) department mai job kerta hon kia meri income halal ha?

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: I have a question k kia Islamic Banking mein investment halal hai kia. Aaj kul Standard Chartered, Bank Islami aur some other banks hain jo Islamic assets mein invest kartay hain aur they says k wo halal way par kaam kartay hain jo k islamic shariaa k ain mutabiq hai. I want to know if there is any way / policy jo banking say relevant ho aur confirm karay k wo halal hai.

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.).
4-Munafa (profit) lene k liay on banko main raqam jama kerna jaiz hay, jin main ghair muslimo ka sermaya (capital) laga hoa ho chahay wo bank private hoon, government hoon ya mushtarka(semi-government) hoon. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: as salam:agha sahab ,,can i do job in bank as a cashier post....please give me reply as soon thanx

Answer: It is allowed to work in the department where your job is not involved in haram transaction.(Ref: Email Rcvd from a.sistani dated: 03-04-15). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: mera sawal ye hai kye mare abu dead hogaye hain main aur sirf mare ami hain aur koi nahi humnain saving bank main 600000 rupeez rakwaye hain wo hamian har month 8400 rupeez datain hain yani 100000 par 1400 rupeez monthly kya ye rupeez halaal hain?

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Salam, I am living in Australia. Can I take interest from an Austalian Bank, is it halal/allowed?

Answer: It is lawful to take profit from these banks if capital of these banks are related with non-Muslims. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah # 08, Pg# 437). Update on dated 13-03-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: agar kuch paisa ap ko maa bap yah bhai shade ka bad gift kare uss paisay ko bank ma rakh k monthly interest lia ja sakta haee yah yeh sood ho ga

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: kya bank m paise rakhna jaez h? shadi kay liye behtarin dua konsi hai jo jald asar b ho aur aurat achay say us rishtay ko nibha saqay? kya insurance policy karwawna jaiz h? agr ami parda krne s mana karen tu kya hukam h?

Answer: 1)Bank main raqam jama kerwana jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3-4-5, Pg#436).
2) Shadi k liye Agar sura-e-muzammil ko rozana aik dafa 41 days tak parh kar dua ki jaey to (inshallah) yaqeenan rishta tay ho jaey ga. (REF: Wazaif-ut-talib, Mafhoom e pg # 76)
3) Insurance karana jaiz he. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #32-40).
4) Parda kerna wajib hai or wajibat or muhramaat men waldain ka kehna maanna jaiz nahi hai. (Ref: Ayat-ul-Allah Sistani(db), Rcve from: http://www.sistani.org/arabic/qa/02073/). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Assalamo Alaikum. My question is regarding the fatwa on permissibility of collecting interest from kafir banks. My question is that if we start putting all money in such banks, e.g. Barclays, Standard Chartered,as only their return is permissible, will it not place the banks owned by Muslims, specially by Momineen at a disadvantage? The kafir banks will be able to mobilize more deposits and dominate the financial system whereas Muslim Banks will suffer. Should we not try and strengthen banks owned by Muslims? Thank you!

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.).
4-Munafa (profit) lene k liay on banko main raqam jama kerna jaiz hay, jin main ghair muslimo ka sermaya (capital) laga hoa ho chahay wo bank private hoon, government hoon ya mushtarka(semi-government) hoon. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: SALAM AGHA BANK KI JOB KA FATWA BATAYIEH TAFSEEL SAY

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: can i take money from komi bachat is this sood because govt offer i heard this is not form of sood kindly clear my question

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.(Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: kindly inform me please komi bachat say prfit lay saktay haee is it soud ?

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: slam o alaikum kia komi bachat ma kuch rakam rakh k interest lay saktay haee lz reply sooon

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: kia komi bacahat say interest laina soud hae

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5,). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kia Private Bank mein telephone operataing ki job karna jaiz hai?

Answer: Jaiz hay. (Ref: Mafhoom e email rcvd from a.sistani. dated: 19-03-15) Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: AGHA SB MAY BANK MAY KAM KARTA HO FAYSAL BANK MAY AND MERA KAM OPERATION SUPPORT HAY MAY BRANCHES MAY VISIT KARTA HO LIKE AUDIT TYPE KIA BANK SAY MILNAY WALI SALARY MUJH PER HARAM HAY.

Answer: If your job does not have anything to do with interest, there is no problem in it. (Ref:Ayat Ullah Khoe(R.h), Tauzee hul masael, Mafhoom e Maslah #2876). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: As,salam o Alaikum. JazakAllah for your services. I could not find a question specific to my scenario. that is, HOW IS IT TO WORK IN A BANK OPERATING IN PAKISTAN, WHICH CALLS THEMSELVES islamic bank, LIKE MEEZAN BANK, BANKISLAMI. Or you can also say that i am asking are the system of these so called islamic banks INTEREST FREE

Answer: If your job does not have anything to do with interest, there is no problem in it. (Ref:Ayat Ullah Khoe(R.h), Tauzee hul masael, Mafhoom e Maslah #2876). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Bank ma job karna kasa ha

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: meray father zinda nai hai,hm nay kuch paisay invest kiay hai national saving mai kia uska profit hmary lea halal hai?

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.(Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: kia national saving certificates say milnay wala profit jaiz hai?

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Asalam o alaikum agar koi amount 5saal ya kuch arsy k liye fixed kr diya jaye or us pa monthly kuch munafa bank hamary acount ma transfer kary to kiya us mafy ki raqm ka istimal jaiz hai

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart per raqam jama kerwana jaiz nahi hay or ye sood hay.
2-Government bank se jo munafa(profit) baghair sood ki shart k mile wo is sorat main jaiz hay jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaay.
3- Private bank se jo munafa(profit) baghair sood ki shart k mile wo pora jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: qibla sahib kiya banks ki job jaiz hai

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se merboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 29). Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: A-O-A MERA SAWAL YE HY KHY KAFIR BANK SY LOAN LY SAKTY HEN? AUR AGER MAJBORAN NA DY SAKYEN TO KY KAREN AUR ES KA KHUMS KYSY NEKAL SAKTY HEN? AUR MUJTAHED TAK KYSY khums ke raqm dy sakty hen ? khuda hafiz

Answer: Kaafir bank se sood (riba) ada karne ki shart par loan lena haram hai aur haram kaam se bachne k liay ye kar sakte hain k raqam ko kaafir bank se qarz ki niyat k baghair lain nah k loan ki niyat se agarchah jaante hoon k kaafir bank asal maal aur sood(riba) dono wosool karay ga. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8, page#437).
2)Qarz ki asal raqam per khums wajib nahi hota Q k os raqam k aap malik hi nahi hotay. Agar ye bank private ho tu saal ki amadani (income) se jitni raqam bank ko wapas kerdi ho or qarze ki asal miqdaar aap k saal k akhrajaat main istemaal nah hoe ho tu otni miqdaar ka khums nikaalna wajib hoga. (Ref: Mujtahid se pochay gay sawalaat,part#1, sawaal#108)
3) Ayatullah Sistani(d.b) k Karachi main bohot se vakeel maujood hain.jin main se aik Maulana Ali Raza Mehdavi hain.or Madrasa Quran o Itrat Academy k principal bhi hain.or in ka contact number 021-32226948, 021-32237207 hay.(Ref:www.qoitrat.org). Addres: 365/1, pire street , garden east karachi Pakistan. Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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