QURAN-O-ITRAT ACADEMY

Question: Sir ya jo jazzcash aur easypasay walo ki ik offer ab aye huwi hy jo ka phaly account kholty waqat ni the ka ap agar apny account mein 15000 sa above amout rakhain to ap ko daily 10 rs milty hein jis mein copany apna 2 rupees text kat lati hy aur baqi 8 rupees ap ka account mein a jaty hein.Aur is mein user kisi bhe time apny pasay niklwa sakta hy aur dalwa sakta hy.company waly isy bechat account ka name daty hein..kia ya lana theak hy ya ni..Danu companies hein forigen

Answer: Easypaisa kafir bank hay is se prfit lene main koe haraj nahi. Jab keh jazzcash aik muslim bank hay, in k paas baghair lazmi soodi shart lagae raqam rakhna or profitt milay tu koe haraj nahi hay.(Ref: Tauzihul masael, ayatullah sistani, maslah#3)
[Updated on 02-Dec-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Interests khana

Answer: Sood(Interest) khana haram aur gunah e kabira hai. (Ref: Ayatullah Sistani(d.b), Minhajus Saliheen, Part #1, Edition 2009, Maslah #30).
[Updated on 22-Nov-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Assalamu alaikum. Sir bank se qarza le ke karobaar karne ki ijazat hai?? bank interest pe loan de ra. Apna karobaar bnane ke liye chahie. Student hun parh ra hun par sath kuch kamana chahta. islam is men kia ijazat deta.

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 ya sami-government bank say koe qarza le tu sood se bachne k liay os shaks k liay yehi kaafi hay keh bank se raqam lain. raqam laite waqt khud se kahain keh main khud hakim e shara ki janib se khud ko qarz daita hoon or os sorat main kaafi hay keh asal raqam bank ko wapas kare chahay jaanta ho keh qanoonan asal raqam or sood bank ko daine ka paband hay. kafi banko se sood ada karne ki sharat per qarz laina haram hay. or haram kaam se bachne k liay ye kar sakta hay keh maal ko bank se qarz ki niyat hasil kare or is main tasarruf k liay hakim shara se ijazat laine ki zarorat nahi agarcheh wo jaanta ho keh bank asal or sood dono is se lay lain gay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 2019,Mafhoom e Maslah Jadeed masil #1,2,7,8).
[Updated on 09-Sep-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Assalam o alaikum mujhe har month bank profit markup deta hai 14000 jis me wo 4000 tax wgra k cut krleta hai baaki jo 10000 bachty hai kia wo sood me shamil hota hai???? Mera jo bank me acccount hai wo current hai nd me har hafty transaction krta rheta ho me koi fix amount nhe rakhta bank me mujhw bus ye bta de bank jo monthly mujhe profit markup derha hai kiya wo jaoz hai ya nhe

Answer: Agar bank private hai aur aap ne profit lene ki shart bhi nahin lagai to aap ke lie poora profit lena jaiz hai.
Lekin agar bank government hai to poora profit aap ke lie jaiz nahin hoga balke us profit men se aadha deendar shia faqeer ko dena hoga aur us ke baad baqi aadha aap ke liye halal aur jaiz hoga.
(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #44, maslah #24, pg #446,447. + https://www.sistani.org/urdu/qa/01745/ ).
[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: If there is no option possible to get a loan for plot (residential) and car from National bank , can they both be taken from a Muslim bank? no cash is taken as a loan but documents for plot and car shall be in the custody of bank and an amount shall be submitted to bank every month against it.

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).
[Updated on 30-Nov-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Aslamoaliekum. Kya ham national Saving bank ki Head office mai Job kr skty hen. Jhn per public dealing nhi hoti. Plz rahnmai frmae

Answer: Bank ke kaam 2 tarah ke hote hain:
1. Bank ke haram kaam, maslan jo sodi muaamlaat se talluq rakhte hain un ke shuru karne me kisi ki numaaindgi karna, un ki registeri karna, un ka ghawa banna aur soodi qarz lene wale se sood wusool karna. aise hi wo kaam jo digar soodi muaamlaat me sharakat ki bina par is se munsalik hain ya sharaab ka karobaar kar rahe hain maslan un ke shares baichna ya un ko wusat dene ke liye taawun karna haram kaamon me shumaar hote hain. ye tamaam kaam haram hain aur is shuabe (department) me job karna jaiz nahin hai aur is shuabe (department) me job karne wala ujrat (salary) lene ka mustahiq nahin hai.
2. Bank ke jaiz kaam ye upper bayaan kiye gaye kaamom ke alawa hain, in ko anjaam dena aur in per ujrat (salary) lena jaiz hai.
(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, pg #453).
[Updated on 10-Sep-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Assalam o alaikum Easypaisa is wallet of Telenor Microfinance Bank. Telenor Microfinance Bank is owned by TELENOR. TELENOR company is run by NORWAY (non muslim ) government. So is it halal to open saving account ( taking interest) in easypaisa.

Answer: Non-Muslim bank ke Jin me kaferoo ( non Muslims ) ka sarmaaya Laga hoa hay kyu ke in ka sarmaaya muhtaram nahe hay ( or agar Easypaisa bank bhe ise trah ka bank hay) tu is se profit lena jaiz hay ,albatta in banks se Sood ada karne shart per qarz lena haraam hay.
(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), Edition #42, jadeed masail wala hissa , pg #437,masla no#8).
[Updated on 11-Nov-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Assalam o alaikum. Im PAF officer. We are given the option to give money to PAF each month. So that we may get our money + compound interest on that, collected till our retirement. NOTE: Interest is not fixed, it varies as per variation in interest rate by pakistan government. Is it halal?

Answer: Your Provident Fund money is lawful(Halal). (Ref: Mafhoom e Email Rcvd from, A.sistani d.b)
[Updated on 11-Nov-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Maine easypaisa mein paise rakhey hoye hai save wahan maine ek plane ko subscribe kia hua hai us plan se mujye profit daily milta hai depend ap k easypaisa me jitani amount hai us esab se miltey hai kia wo haram hai ya hilal ?

Answer: Easypaisa kafir bank hay is se profit lene main koe haraj nahin, yani jaiz hai.

(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, Maslah #3, pg 436).
[Updated on 24-Dec-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Salamun Alaikum Aali Janab.. Qibla Mohtaram, Meezan Bank k Shariah Board k Chairman Muhammad Taqi Usmani (Deobani/Wahabi) hyn, jo yazeed maloon pe LANAT Bhejnay k khilaf hyn, Lihaza FIQAH E JAFFARIYA se taluq rakhne wale Momineen k liye Meezan Bank men kisi bhi qism ka Account Open Karna Jaaiz hoga ya Nahi? Bara e karam, rahnumai farmaeye.. Wasalam Alaikum.. JAZAKUM,ALLAH..

Answer: Kisi bhi qisim ke bank (chahe muslim ho ya kaafir, private ho ya government ya semi government) me Account kholna jaiz hai. tafseelaat jaanne ke liye aap ko aik link provide kiya jaa raha hai jis ko open karne ke baad aap aik 18 pages ki PDF file download kar ke us ka mutaliaa kar sakte hain.
(Ref: Link: https://drive.google.com/file/d/15W7VSyFMOrlVI1BoBEuFZSMMUiocuYSI/view ).
[Updated on 12-Jan-2023:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Salamun aleykum Mai Dubai me rehta hun mujhe Bank se loan lena h kuch jaise 300 to usme 31 extra dena hota h yani next selery se kat jaynge paise to wo jaiz h ya nahi

Answer: Kisi shaks se ya private ya government ya sami- government bank say is shart par qarza laina keh qarz li gayie raqam se ziyada ada kiya jaye ga, to ye sood or haram hai. Lekin agar koi shaks private bank se sood ada karne ki shart ke sath qarz lay lay to qarza sahi hoga or is raqam ko istemaal karna halal hoga or shart batil hogi or shart poori karne ke liye sood daina or laina haram hoga. or agar government bank ya sami-government bank se koi qarza lay to sood se bachne ke liye wo shaks ye kare ke dil main mujtahid se qarz lene ki niyat kare or is qarze par sood ada karne ki niyat nah kare agarcha us ko maloom ho ke government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is tarah qarza lena jaiz hay.
(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, mafhoom e maslah #1,2,7).
[Updated on 03-Apr-2023:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Salamun aleykum Mai Dubai me rehta hun mujhe Bank se loan lena h kuch jaise 300 to usme 31 extra dena hota h yani next selery se kat jaynge paise to wo jaiz h ya nahi

Answer: Kisi shaks se ya private ya government ya sami- government bank say is shart par qarza laina keh qarz li gayie raqam se ziyada ada kiya jaye ga, to ye sood or haram hai. Lekin agar koi shaks private bank se sood ada karne ki shart ke sath qarz lay lay to qarza sahi hoga or is raqam ko istemaal karna halal hoga or shart batil hogi or shart poori karne ke liye sood daina or laina haram hoga. or agar government bank ya sami-government bank se koi qarza lay to sood se bachne ke liye wo shaks ye kare ke dil main mujtahid se qarz lene ki niyat kare or is qarze par sood ada karne ki niyat nah kare agarcha us ko maloom ho ke government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is tarah qarza lena jaiz hay.
(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, mafhoom e maslah #1,2,7).
[Updated on 03-Apr-2023:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Assalamualaikum, sir kia ek shaks kisi ka paisa kisi jaga es shart pe invest krey k profit miley ga ( profit ki ratio fix hu) jaiz ha dono k lye?

Answer: 1-Private ya government ya sami- government bank main sood lene ki shart par raqam jama karwana jaiz nahin hai or ye sood hai.
2-Government bank se jo munafa(profit) baghair sood ki shart ke mile wo is sorat main jaiz hai jab sood ki adhi raqam deendaar ghareeb or mustahaq afraad ko sadqa di jaaye.
3-Private bank se jo munafa(profit) baghair sood ki shart ke mile wo poora jaiz hai.
(Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, mafhoom e maslah #3,5).
[Updated on 05-Mar-2024:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: assallam u alikum mera question hai me ik jaga job krta ho agriculture k department me par wahan wo farmers ko sood pe qarza leny r deny ka kehty hain ik bank k sth mil k unka data meetings sb mje karna parta to kia yeh nokri jaiz hogi?

Answer: Agar ap khud uss sood ki lain dain me shamil hai to yh kam jaiz nh hoga haa agr faqat data entry wagera hai to koi harj nhi..
(Ref:Ayat Ullah khoe(d.b), Masail-ul-Shariya, Part: 2,Mafhoom e Jawab # 01, pg:51).
[Updated on 17-Apr-2024:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: About bank savings with interest for widow

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.).
[Updated on 20-Aug-2024:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Premium bonds pr Jo interest milta hai uske baare me kia hukum hai?

Answer: Premium prize bond munafe ka hukum government bank k munafe k hukum ki tarah hai aur wo ye hai ke premium prize bond k munafe ka adha hissa deendar shia faqeer ko dena hoga tu adha aap k liay halal hoga. (Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #44, maslah #5 or 6 pg #436,437. + Link: https://www.sistani.org/urdu/qa/01745/ ).
[Updated on 10-Jul-2024:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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Question: Assalamualaikum!Mein 18 saal ka ek ladka hun.Mein ye puchna chahta hun ki meri ammi ne bank mein F.D(fix deposit) par paise rakhe hai aur uska interest aata hai.Mein unko samjhane ki koshish karta hun ke unko samjhaon ki interest haram hai islam mein.Woh nahi samajh rahe hai.To mein kya karu? Agar woh paise galti se kahin istemal hogaye aur uska mein ne use kar liya to kya mein allah se dua mangunga to duaein qubool nahi hogi?Kyunki haram khane wale ki dua qubool nahi hoti?

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# 51, Mafhoom e Maslah #3,5.).
[Updated on 25-Sep-2024:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

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