Ref. No. 3189/46-7030

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

The proper method of halal investment is to invest money in a legitimate, halal trade / business and earn profits in a way where both profit and loss are shared. The profit should not be predetermined or fixed, and the risk of loss should be borne by both parties according to their share of the investment. If the profit is fixed in advance, or if the risk of loss is placed solely on the working party, or if the person receiving the money does not actually invest it in the business but simply provides the money in exchange for a return, all of these situations are impermissible.

This effectively resembles a loan with interest, and as is well-established, charging or earning interest (riba) is strictly forbidden in Islam. Engaging in riba—whether by lending, borrowing, or facilitating it—is unlawful and considered a major sin according to Quran and hadith. Therefore, the transaction your cousin is involved in is a violation of Islamic principles and is haram. It is not permissible to invest in or profit from such a transaction.

"عن جابر، قال: «لعن رسول الله صلى الله عليه وسلم آكل الربا، ومؤكله، وكاتبه، وشاهديه» ، وقال: «هم سواء»". (الصحیح لمسلم، 3/1219، باب لعن آكل الربا ومؤكله، ط:، دار احیاء التراث ، بیروت)(مشکاۃ المصابیح،  باب الربوا، ص: 243)

"كل قرض جر منفعةً فهو رباً". (الجامع الصغیر للسیوطی، ص:395، برقم :9728، ط: دارالکتب العلمیہ، بیروت)

"(ومنها) : أن يكون الربح جزءًا شائعًا في الجملة، لا معينًا، فإن عينا عشرةً، أو مائةً، أو نحو ذلك كانت الشركة فاسدةً؛ لأن العقد يقتضي تحقق الشركة في الربح والتعيين يقطع الشركة لجواز أن لايحصل من الربح إلا القدر المعين لأحدهما، فلايتحقق الشركة في الربح". (بدائع الصنائع، 6/ 59، کتاب الشرکة، فصل في بيان شرائط جواز أنواع الشركة، ط: سعید) 

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. no. 3180/46-7025

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Working for a life insurance company is prohibited, as it entails involvement in usurious (riba-based) transactions. It is important to seek a lawful and halal source of income, and once you have secured an alternative, you should leave this job.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 3153/46-6030

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

The prohibition of gambling and interest (usury) is clearly established in the Quran and Hadith, and all the dealings based on gambling and interest are haram and unlawful. Medical health insurance often contains elements of gambling or interest, which is why it is generally considered impermissible under Sharia. If a medical issue arises within a specified period, the insured receives money with interest; conversely, if no disease develops, the deposited amount is not refunded, thus it also falls under the definition of gambling.

However, if a company deems health insurance compulsory, employees may only utilize medical benefits to the extent of the amount collected through the insurance. Getting more than this amount would not be permissible. In cases of financial hardship or lack of resources for treatment, there is some allowance based on necessity.

This raises the question of what Muslims should do in such situations. The answer is that the community organizations should establish a structured plan for medical assistance and raise a fund to support vulnerable Muslims facing serious health issues. In India, for example, numerous schools, spiritual centers, and charitable organizations operate on public donations, contributing significantly to community welfare. A similar fund can be raised specifically for medical assistance to benefit the poor.

Additionally, the aid of the government should be sought. For programs or medical cards through which the government allocates funds for treatment, it is advisable to consult with experts to get maximum benefit.

And Allah knows best

Darul Uloom Waqf Deoband

Ref. No. 3019/46-4810

الجواب

بسم اللہ الرحمن الرحیم:۔ بینک میں سیونگ اکاؤنٹ کھولنا جائز ہے، تاہم سودی پیسے جو اس میں ہر تین ماہ پر آتے ہیں ان کو اپنے استعمال میں لاناجائز نہیں ہے، ان کا حساب کرکے ان کو نکال کر فقراء پر بلانیت ثواب صدقہ کرنا واجب ہے۔

"والحاصل: أنه إن علم أرباب الأموال وجب رده عليهم، وإلا فإن علم عين الحرام لايحل له ويتصدق به بنية صاحبه   (شامی، كتاب البيوع، باب البيع الفاسد 5/ 99 ط: سعید)

واللہ اعلم بالصواب

دارالافتاء

دارالعلوم وقف دیوبند

Ref. No. 1024/41-219

 In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

The Muslim brother should sell the precious stone received as a guarantee and keep only as much money as the non-Muslim owed to him i.e. 10000 USD only. The rest amount of 90,000 USD must be returned to the non-Muslim brother. The non-Muslim brother is the owner of extra amount of 90,000. So it is forbidden and haram as per Shariah for a Muslim to take extra amount.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 38/ 898

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

It is not allowed to give interest money in paying a legal penalty, while it may be used in paying illegal penalties. However, one must follow the traffic rules.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 2735/45-4265

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

India, under the current circumstances, is the country of peace and harmony. It cannot be called Dar-ul-Harb and the laws of Dar-ul-Harb will not apply here. However, the issue of usurious transactions in Dar al-Harb is different. According to Imam Abu Yusuf, it is absolutely illegitimate and according to Imam Abu Hanifa and Imam Muhammad, it is permissible with a few conditions. Prohibition is prescribed in the Qur'anic verses without any condition; Therefore, here in Hanafiate, the school of Jumhoor has priority and there is a fatwa on it. Therefore interest based transactions cannot be justified in India.

الفروق للقرافی میں ہے: فان اختلف العلماء فی فعل هل هو مباح او حرام فالورع الترک۔ (الفرق السادس والعشرون والمئتان من الفروق، ج: ۴، ص: ۲۷۔ ط:عالم الکتب)

الاشباہ والنظائر میں ہے: اذا تعارض الدلیلان احدهما یقتضی التحریم والاخر الاباحة قدم التحریم۔ (القاعدۃ الثانیۃ من الفن الثانی، ص: ۱۰۹،ط: قدیمی)

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 39 / 873

In the name of Allah the most Gracious the most Merciful

The answer to your question is hereunder:

No, it is not allowed. You have to give this amount of interest to needy and poor people without making any intention of reward.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 1498/42-000

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Medical insurance has been declared illegal by the jurists even in the present age. The entire amount deposited in the insurance company is usually lost, it is not refunded. However, the company cooperates in certain conditions when needed. Any dealing that ensures either profit or loss for the parties is gambling in Shari'ah terms. Since it is like usury and gambling which are strictly forbidden by the Shari'ah, it is not permissible.

Also, all the taxes paid by the father in his lifetime has already gone to the government. The son had no right over it before, nor does he have too. Hence, it is not permissible for the son to take insurance in its name. The insurance which is mandatory and legally required by the government and the person has no choice but to opt for it, it is permissible; while we do not know any such law on medical insurance.

وَلَا تَأْکُلُوْا أَمْوَالَکُمْ بَیْنَکُمْ بِالْبَاطِلِ﴾ أي بالحرام، یعني بالربا، والقمار، والغصب والسرقة (معالم التنزیل ۲: ۵۰) ، لأن القمار من القمر الذي یزداد تارةً وینقص أخریٰ۔ وسمی القمار قمارًا؛ لأن کل واحد من المقامرین ممن یجوز أن یذہب مالہ إلی صاحبہ، ویجوز أن یستفید مال صاحبہ، وہو حرام بالنص (شامی، کتاب الحظر والإباحة، باب الاستبراء، فصل في البیع ۹: ۵۷۷، مطبوعہ: مکتبہ زکریا دیوبند)۔

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 2144/44-2205

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

It is not permissible to use interest money in toilets or bathrooms. It is not permissible to use interest money in any charitable work. The interest money must be received from bank and given to the poor without any intention of reward.

(رد المحتار: مَطْلَبٌ فِيمَنْ وَرِثَ مَالًا حَرَامًا، 99/5، ط: سعید)
"والحاصل: أنه إن علم أرباب الأموال وجب رده عليهم، وإلا فإن علم عين الحرام لايحل له ويتصدق به بنية صاحبه".
و فیہ ایضاً: (385/6، ط: دار الفکر)
أن سبيل الكسب الخبيث التصدق إذا تعذر الرد على صاحبه اه

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband