QURAN-O-ITRAT ACADEMY

Question: mere bank account main paise hai aur bank us ka interest deta hai to wo paise kharch karna jaiz hai,ya haram 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: Sood lena aure dena kesa hai

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: Agar koi muslman bank k computer sai apna maal niklna chahae aur computer sai is ki matlooba miqdar sai ziada maal nikl aye to kia is ziada maal ko wasool krna jaiz hai jis ka ghair islami bank ko ilm nhi?

Answer: Jaiz nahi. (Ref : Ayatullah Sistani, Jadeed faqhi masael , Mafhoom e maslah #226 , Pg #147 , Eidition# 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: mere cousin hai jo non-muslim ko 4 to 5 percent monthly interest pe paise dete hai aur ye hi unka source of income hai is it halal or haram

Answer: Kafir se sood lena jaiz hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8, pg#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: muje car lena hain loan se kya le sakti hu income tax bachane ke liye muje loan se car leni can i

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jay 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: A-O-A mera sawal ye hy khy ky kafir bank sy loan ly sakty hen aur ager kese magbure sy wapas na kar sa ky to sahe hy aur es ka khumes nekal sakty hen.es raqam ka men insurans ke raqam dy chuka hon.

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jay 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: asslamualikum mera sawal yeh h a k kia hum ek kafir ki company main paise invest kar sakhtey or wo humey har 10 days badd profit de bina koi mehnat kiye yeh kia jaiz ha ??

Answer: 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: mera bhai dubai me kaam karta hai 2 saal se paisa jama kiya india me ghar lene ke liye paise kam pad rahe hai to kya home loan leke ghar le sakte hai?

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: salam, mera sawal hey ky bank main paisay fix kara ky us ka prophit laina islam main jaiz hey ya nahi aur aisa krna kya kehlata hy plz tell me in detail thankx

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: main bank kam karta ho kia bank job sahi hai yani harm to nhi

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 am 52 years old and passing through very difficult times as I am unable to find suitable job after returning from Dubai. Having explored all avenues and not successful, is there any exception for working in a Pakistani Muslim Bank as Accountant. Only Banks are allowing relaxation in age for hiring. ILTIMAS-E-DUA

Answer: If your job does not have anything to do with interest, there is no problem in it. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #before 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.sir mayra ap say ye sawal hy k muj per bot ziyada bank may job kerney walwy logo k proposal aty hy lykin may inkar kerti hu kiya bank walu ki job haram hy q k may nay soona hy k humarah bank ka nazam soodi hy is liye bank may job kerney waly ki salary haram hy plz ans me in detail

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: Agar bank say loan liya jy aur full hardwork kiya jy phir bank ko us ki Sara lagan ada ker diya jy baqi Jo reqm(profit) bachti hai us main soud shamil hai k nai?

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jay 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 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: SALAM.MAIN YEH POCHNA CHAHTA HU K ZANJEER CHALANA HALAL HAI YA HARAM MUJHE KAFI DAFA ZANJEER CHALANY K ISHARAY HOWAY HAIN LYKIN GHR WALAY IS BAAT KO BURA MANTAY HAIN KOI AISA JUWAB DAIN K SABIT HO ZANJEER HALAL HAI OR MAIN MOLA HUSSAIN KA MANGTA HU

Answer: Is taraf se is maamlay main hum manfi(No) or masbat(yes) nazariye ka izhaar nahi kerte hain, momineen is maslay main doosray jaami,osh shara,et mujtahid ki aalam fal aalam ki pabandi kerte hoay taqleed ker sakte hain. (Ref:Ayat Ullah Seestani(d.b), Istaftaat, part#1,Edition 1435 hijri,Mafhoom e Maslah #177, pg#119).
[Updated on 10-08-2019 :: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Profit received from investment in National Saving Certificates of Government of Pakistan is halal or haram?

Answer: 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: Assalam-o-Alaekum! mera sawal ye hy k hum jo paisa bank mai deposit krwate hain or us pe jo interest lgta hy wo jaiz hy ya ni agar hum us mai se Imam Ka Haq nikal den tau kya interest ka baqi bacha hua paisa jaiz hojata hy or Imam Ka Haq kitna nikala jata hy?

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 qibla me ek goverment emplooyer hon kya main goverment ki zimedari par ek private bank se qarza le sakta hon

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jay 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: mai bank ke ek department mai kaam karta hoon jis ka kaam soud par paisay lena aur dena hai liken mera kaam soud se related nahi hai aur mai kuch aur kaam karta hoon jis ja soud se direct koi taluq nahi hai liken indirect hai. kia mera bank ya us department mai kaam karna jaiz hai ?

Answer: It is OK if there is no usury transaction. ( Ref: Ayatullah Sistani d.b, http://www.alulbayt.com/rulings/10.htm). Update on dated 11-05-2015.(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 ! sir jee mera sawal ye hai k islam ki nazar ma sood kehty kisy hain! kya aus pesy ko sood kehty hain jo begair mehnat k kamaya jaie! aur bank ma invest kie hoy paiso ka profit laina sood kehlata ha ya haram! aur mujhay sood waly kam aur jin kamno ko haram kehty hain wo knsy hty hain example b di ga plz!

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: main ek govt bank me job krta hu, mujhe yaha din bhar paise ka len den dekhna hota hai,isme sood ki rakam ka len den bhi shamil hota hai, kya meri job haraam hai?

Answer: Haram hay. (Ref : Ayat ul Allah Sistani (db) Book : Jadeed Fiqhi Masaail, Mafhoom e Masla # 283, Pg # 175). Update on dated 11-05-2015.(Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kia bank sy Qarza ly kar makan tamer kia ja sakta hy?

Answer: Bank se soodi qarza lena jaiz nahi. Laikin is haram maamle se bachne k liay ye tariqa ikhteyaar kia jasakta hay. 1-Qarz lene wala bank k malik ya os k wakeel se koe cheez bazaari qimat se 10% ya 20% ziyada qimat per khariday takeh bank osay khuch raqam bataur e qarz day day. Tau aisi sorat main qarz lena jaiz hoga or ye soodi karobaar bhi nahi hay.
2-or isi terah aik raqam ko is se ziyada raqaz k badale kisi cheez k sath shamil ker k bechanay haram sood ka hukum khatam ho sakta hay.maslan 100 rupay ko aik machis k sath aik maah baad ada kiay jane wale 110 rupay k badle frookht kerna sahi hay Q k ye soodi qarz nahi hay balkeh khareed o frokht hay. (Ref: Ayat Ullah Hafiz basher najafi(d.b), Tauzee hul masael, Mafhoom e Maslah #2854). 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: Sir mein aik mental patient hoon.mujhe normal rehne ke liye sari zindagi medicine leyni hein. Mera koi zarya e muash be nahi he (bemari ki waja se) To is Surat me kia mein national saving se profit lay sakta hoon? Ta ke mein apni medicine khud lay sakun or chote motay karhay kar sakun.mein kisi Par boj na banun.thanks.

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: Is it permissible to take interest on regular income certificates?

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 BANK SAI FINANCE PER CAR LAI SAK TI HAI

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jay 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: fixed deposite ma jonsy paisay zaid milty hy kia insan usay khud pr kharch kr skta hy .woh haram tu ni hoty

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 Fix Deposite Pe Bank Me Pesay rakhnay Ke Bad Jo Dogna Raqam Milti hai Kya Ye Izafi Raqam Layna Jaiz Hai??? Kya Ya Sood Me Shamil Hi?????. Please Give Me Answer Very Quicklt . Jazzakaallah.

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 bank job krna jaiz he.....?

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: AOA, Q1: main UBL bank main contract base job(software engineer jo bank k software banaty hai) karta ho. mari salary private company dati hai. ya jaiz hai ya nahi? Q2: Bank k employee jo bank k software banata ho us ka soodi mamilat main dakhal nahi hai. Emplyee ka kam sirf bank k software banana hai. Ujrat jaiz hai ya nahi? Thanks

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: 1. Kya Prize Bonds per Khums wajeb hay. 2. Kya US Dollar ki shakal me jo raqm mojud ho us per be Khums wajeb hey. 3. Kya Prize Bond per niklne waly inam ka 1/2 misakeen ko dena wajeb hey. 4. Kya Private Bank key PLS account per milney wala profit ka istamal jayyez hey. Thanks

Answer: 1) Agar khums ki tareekh per prize bond men se jitni raqam bach jaey to us ka khums dena wajib hoga. (Ref : Mujtahid se pochay gaey sawalaat, part # 3, Mafhoom e sawaal # 93,pg # 48 ).
2) jee haan. (Ref : Mujtahid se pochay gaey sawalaat, part # 3, Mafhoom e sawaal # 93,pg # 48 )
3) Prize bond ki pori raqam aap k liay halal hay.(Ref: Mafhoom e E-mail rcvd from farsi@alsistani.org, dated:18-02-2011)
4) 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: Asalam o alekm me dubai me job kar rah hun mai yabha banck ka credit card use karsakte hai

Answer: Credit card use kerna jaiz hay laikn, 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: Asalam O Aleikum, Qomi bachat bank main mahana offer hai jismain mahenay k akhir main 10-12% profit lagta hai kiya ye profit sood main tu ni hai aur lana haram hai ya ni,,, bank walay apnay account holder jo koe 1 lac ya za'ed raqam rakhway tu bank walay uske paisun ka 10-12% profit laga daty hain for example pensioner apni zindagi ki jama ponji bank main rakhwa deta hai aur monthly bank usay profit deti hai aur wo check bhar k wo leta rahay... jaiz ya najaiz batayn?

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'mere husband bank se loan lena chahte hain mkan bnane k liye hum rent pe rehte hain r bht mushkil main hain' mgr bank loan pe sood lgta hai' kya sood pe qrz lena jaiz hai?

Answer: Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jay 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: Bin islamic mulk me kafir ki bank se sud liya ja sakta hai but us benk me muslim logo ke bhi accounts hote hai to kya aisi bank se sud liya ja sakta hai???

Answer: Jis bank ka sarmaya(capital) kafiro ka ho us se sood lena jaiz. (Ref : Ayatullah Sistani, Jadeed faqhi masael , Mafhoom e maslah #8 , Pg # 437, Eidition# 5). Update on dated 27-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: salam...mufti sahab mny aik dukan khrei ha 3.50 lac ki jis ma se aik lakh advance de dia tha or baki payment october ma deni ha...mera bra bhai bahar hota ha usny kaha tha k wo octber ma 2.5 lac de de ga lkn wo nhe de skta filhal...to ab mery pas do rasty hain aik to ye k ma dukan sale kr k unko 2.5 lac de dun ya phr bank se loan ly k de dun...ab aap baten is halat ma mery lye bank se loan lena jaiz ha ya nhe ?

Answer: 1)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) 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 21-08-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Assalam wa Alaekum...! Qibla mai Bank mai job karta hu Admin & Security Department mai... Hamari koi public dealing nahi hy... or mene job krne se pehle Quran se istekhara b krwaya tha tau bht behtar aya tha... mujhe ye janna hy k kia mera job krna jaiz hy...? qk log kehte hain isk paiso mai barkat ni hoti... jb k mai apni khushi se bank mai ni aya khud asbaab bn gaye or mere pas koi dusra chance b ni tha.. please meri islah kren ta k mera dil mutmain hosake... or State Bank of Pakistan mai job krna jaiz hy ya nahi? qk uski b public dealing ni hoti.... Shukriya...

Answer: Bank k kaam 2 tara k hote hain: 1) bank k haraam kaam ,maslan jo sodi muaamlaat se talluq rakhte hai un k shuru karne me kise ki numaandaghi karna ,un ki rejisteri karna, un ka ghawa banna aur sodi qarz lene wale se sood wusool karna .aise he wo kaam jo deghar sodi muaamlaat me sharakat ki bina per is se munsalik hai ya sharaab ka karobaar kar rahe hai maslan un k shears baichna ya un ko wusat dene k lie taawun karna haraam kaamo me shumaar hote hai . ye tamaam kaam haram hai aur is shube me job karna jaiz nahe hai aur is department me job karne wala ujrat lene ka mustahiq nahe hai.2) bank k jaiz kaam ye upper biyaan kye kaye kaamo k ilawa hai in ko anzaam dena aur in per ujrat lena jaiz hai. (Ref: Ayatullah Sistani(d.b),Tauzeehul masail 36th edition,hissa jadeed masail pg:453) Update on dated 22-08-16. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Asslam o Alaikum...!! Qibla mera swal ye hai k mein is wqt Pakistan k Allied Bank mein Branch Operation Manager k tor pe kam kr rha hun. Iss Bank k Owner tmam shareholders hain jin mein Muslim aur Non Muslim donu shamil hain. Kya aisy Bank mein job krna sahi hai? aur Kya mein Business Development Manager k tor pe kam kr skta hun? jis ka kam general public se deposit collect krna hai. Mery pas aur be koi job nai hai. kya mein Business Development Manager wali post pe kam kr skta hun? Brae mehrbani genral answer k bjae mery hawlay se clear answer anayat frmaen. JazakAllah...!

Answer: Bank k kaam 2 tara k hote hain: 1) bank k haraam kaam ,maslan jo sodi muaamlaat se talluq rakhte hai un k shuru karne me kise ki numaandaghi karna ,un ki rejisteri karna, un ka ghawa banna aur sodi qarz lene wale se sood wusool karna .aise he wo kaam jo deghar sodi muaamlaat me sharakat ki bina per is se munsalik hai ya sharaab ka karobaar kar rahe hai maslan un k shears baichna ya un ko wusat dene k lie taawun karna haraam kaamo me shumaar hote hai . ye tamaam kaam haram hai aur is shube me job karna jaiz nahe hai aur is department me job karne wala ujrat lene ka mustahiq nahe hai.2) bank k jaiz kaam ye upper biyaan kye kaye kaamo k ilawa hai in ko anzaam dena aur in per ujrat lena jaiz hai. (Ref: Ayatullah Sistani(d.b),Tauzeehul masail 36th edition,hissa jadeed masail pg:453). Update on dated 26-08-16. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Bank Main Sona Gold Rakhwa kr loan lay sakty hain? is par Bank sood lay ga kia yah jaiz hy.

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 03-10-2016. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Asslam-O-Alaikum Mera Sawal Ye Hai Ki Mere Bank Account Main Meri Asal Raqam Ke Alawa Jo Paisa Intrest ka Ata hai kya wo jayez hai, Aur agr main Apne Waidain Ke Liye Bnak Min Kuch Raqam fix ker do jisse ki Unko Har Mhine Kuch Kharch Milta Rahe ya Bad main bhi kuch Munafa le sako jab meri umar ho jay to kya ye jayez hoga,aur Pension lena jayez hai ya nahi jabki bank aur goverment apne pas se kuch nahi deti to ye paisa bhi intrst hi hoga meharbani kerke mujhe sahi rah dikhay JAZAH KALLAH O KHAIRUN

Answer: 1) 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.

2)Jo pension milti hai us ko lena jaiz hay.(Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1735).
(Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #3,5.). Update on dated 07-11-2016. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Assalam O Alykum Mera sawal ye hy k kYa bank ki job krna jaaiz hy ???

Answer: Bank k haram kaam maslan wo kaam jo soodi maamlaat se marboot (related) hain, haram hain or in shobo (departments) main kaam kerna haram hay. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 39,chapter bank ki mulazimat maslah no before 29). Update on dated 31-10-17. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Assalamoalaikum Kia national saving bank se milnay wala munafa jaiz hy? Jo rqm hum rukhwate h us ki aik shrt hy k 1 sal se pehly wapis nahi nikal skte. Hum ne 2016 m 1000000 bank m jama karae monthly scheme m. Jis m bank k mutabiq profit 6280 hy lakin wo hamain monthly 5652 rupees profit derehy hein. Agr rqm niklwai jae 1 sal bad to 1000000 hi milta h.

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 03-08-2018. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: asalamualikum bhi mera sawal hy k bhi qarze k bare kuch malomat chahye main bank se qarza lyna chahta hn ?...or main ne ap k yeh sb sms b parhe hain un main taqreebn ap haar jaga kuch u likha hy mjhy us ki sam nhi a rahi .....

Answer: Was Salam. Jo log bank sai qarz k unwaan sai ya kisi or unwaan sai raqam lete hai jub k maamla sharai tor par anjaam paaya ho to raqam lene mai koi harj nahi hai yaaney agar bank qarza dai raha hai baghair sood lie to aise maamlay mai koi harj nahi hai.(Ref:Tauzeeh ul masail ayatollah khomeni, maslah #2848). Update on dated 13-09-18. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Kya Bank ya finance company me accountant ki job halal hai?

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 22-02-2019. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Can I fix my capital for a certain period of time in the bank where profit ratio is not fixed ? like saving certificates? I am asking because of the uncertain financial situation of the country and which effects the job market. I am currently doing a job and I hope I will be able to save some amount at the end of the year. I am not sure about job next or further so I want to do some savings for my daughters' future. For example there are saving schems of National Bank and Meezan Bank which they are Islamic because the profit varries each month and the amount of profit is not fixed. Moreover, Also tell me that Premium Prize Bonds are Halal? If none of the above is halal, what is the safe mode of doing savings for securing future of children?

Answer: 1) 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.).
2) Prize bond k zerye hasil hone wali tamaam raqam aap k liay halaal hay. (Ref: Mafhoom e E-mail rcvd from farsi@alsistani.org, dated:18-02-2011) . Update on dated 29-04-2019. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).

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Question: Salaamun aleykum Mujhe aapse se poochna hai ke mai dubai mai mall mai kaam kar raha hun or mai apni salery apne bhai ko india bhej deta hun wo bank mai jama kr deta hai kya bank mai paisa jama krna sahi hai plz btaaiye

Answer: wsalam. jee bank main pasie jama karna sahi hai.(Ref:Tauzeeh ul masail aaytullah seestani edition 41, pg#436).
[Updated on 24-Jul-2019 :: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: MCB bank Jo kai ak interest based bank hai.. Is kai call center main job karna ksa hai jbaky hum ko srf card activation karni hoti hai or kuch 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).
[Updated on 12-Mar-2020 :: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Islamic bank me saving account khulwana jaiz hy ya nai? Kiya islamic bank me account khulwa skte 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).
[Updated on 06-May-2023:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Salam......private bank se loan Lena sahi ha........mujhe bataya Jaye ke ye kaise sahi ha shukriya

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).
[Updated on 16-Sep-2020 :: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: UDHAR PAR ZIYADA PAISA LENA JAIZ HAI KYA

Answer: Udhar is shart per dayina keh ziayada raqam wapas ki jaey gi tu ye sood hoga jo keh jaiz nhay hay.(Ref: Tauzihul masael, maslah#2, pg#435).
[Updated on 19-Feb-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: جیسے جاز کیش بینک میں پیسے ڈلواتے ہیں تو پیسے ڈلوانے پر فری منٹس ملتے ہیں استعمال کرنا درست ہےیا نہیں

Answer: Agar aap ki janib se on per shart nahi hay tu phir jaiz hay.(Ref: maslah#3, pg#436).
[Updated on 21-Jan-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Islamic bank sy home finance, car finance ya business finance jaiz hai ya nhe?

Answer: Islamic bank se islamic rool k mutabiq loan laina jaiz hay. (Ref: tauzihul masael, maslah#1, pg#434)
[Updated on 18-Dec-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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