Disposing Of Interest Money


Please advise with regards to the following:

What avenues are permissible for one to dispose of the interest accrued from an interest-bearing bank account?


The permissible avenues to dispose interest money is as follows:

1)    Firstly, if a person knows the source of that interest money i.e. the original owner of that money, he must return that money to him. Generally, to find the original owner of the interest money which was accrued from a bank is difficult, therefore:

2)    It is best that he can give the money to the poor Muslims without hoping for any reward. He must realize that, by doing this, he is only trying to escape from the wrath of Allah E and His punishment and is not worthy of any kind of reward, since Allah E is pure and only accepts that which is pure. After this, if he still hopes for reward, this would be extremely detrimental to his Iman.

3)    He may give it to the poor non-Muslims without hoping for reward.  

Checked and Approved By:

Mufti Muhammed Saeed Motara Saheb D.B.


ويردونه على أربابه إن عرفوهم، وإلا يتصدقوا به؛ لأن سبيل الكسب الخبيث التصدق إذا تعذر الرد. (البحر الرائق 8/229 دار الكتاب الإسلامي)

عن أبي هريرة، قال: قال رسول الله صلى الله عليه وسلم: ” أيها الناس، إن الله طيب لا يقبل إلا طيبا، الخ (صحيح مسلم رقم: 1015)

مسلمانوں میں ہی بے شمار اور غرباء ہیں، لہذا غریب محتاج  مسلمانوں کو یہ رقم بلا نیت ثواب دے دی جائے یہی بہتر ہے۔ (فتاوی   رحیمیہ 9/279)

کسی ضرورت شدیدہ کے پیش نظر بینک میں رکھی ہوئی رقم پر جو سود ملتا ہے، اس کو اس کے وبال کو دور کر نے کی نیت سے (بلا نیت ثواب) غرباء ومساکین کو بطور تملیک دے دیا جائے، گڑ یو جنا میں یہ رقم نہ دی جائے۔ (محمود الفتاوی 3/ 63-64)

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