Paying The Interest Due On An Overdraft Facility On Behalf Of A Deceased


A person has passed on. Whilst he was alive he had an overdraft facility in the bank and he used to pay interest. Now he has passed on. Do the heirs still need to pay the overdraft interest amounts  that’s owed to the bank?


An overdraft facility is another name for an interest-based loan. All types of interest-based loans are impermissible in Shari’ah and fall within the ambit of the Hadith wherein “Nabi (Sallahu ‘Alayhi Wa Sallam) cursed the one who consumes interest, the one who gives interest, the two witnesses who are witness to the transaction of interest, and the one who pens down the interest transaction.”

As such, the Shar’i law is that it will not be permissible to pay the interest amount which is owed to the bank on behalf of the deceased. However, if one is forced by the bank to pay the amount, this amount will have to be settled from the deceased’s estate as it was a debt incurred by him. If the funds/assets in the estate are not sufficient to settle this debt, then, out of necessity, the heirs will be allowed to pay the money to the bank from their own funds. However, they should do this with a heavy heart while at the same time, seeking forgiveness for themselves and on behalf of the deceased as well.

Checked and Approved By:

Mufti Muhammed Saeed Motara Saheb D.B.


حدثنا قتيبة قال: حدثنا أبو عوانة، عن سماك بن حرب، عن عبد الرحمن بن عبد الله بن مسعود، عن ابن مسعود قال: «لعن رسول الله صلى الله عليه وسلم آكل الربا، وموكله، وشاهديه، وكاتبه». وفي الباب عن عمر، وعلي، وجابر، وأبي جحيفة. حديث عبد الله حديث حسن صحيح. [سنن الترمذي: 3/ 504 (1206)]

(كل قرض جر نفعا حرام) أي إذا كان مشروطا. [الدر المختار ورد المحتار: 5/ 166]

سودی قرض لینا کیسا ہے؟

سوال (72): کیا فرماتے ہیں علماء دین ومفتیانِ شرع متین مسئلہ ذیل کے بارے میں کہ: سودی قرض لینا کیسا ہے؟

الجواب وباللہ التوفیق: سودی قرض کا لین دین جائز نہیں ہے۔ (عزیز الفتاوی 648) [کتاب النوازل:  11/305]

Purpose and Scope
The information provided on this website is intended for informational and educational purposes only. Fatawa provided on this website are context-dependent, scenario-specific and are impacted by interpretations and individual circumstances.
The information provided on this website is not a substitute for an independent, scenario-specific question, and must not be used to determine or establish a ruling for any other circumstance, situation or dispute.
Accuracy and Reliability
While Darul-Ifta - Darul Uloom Azaadville strives for accuracy, errors may occur. Users are encouraged to verify information independently and notify the Darul-Ifta of any discrepancies.
We reserve the right to edit, moderate or remove any content.
No Legal Authority
Fatawa provided on this website are not legal judgments but rather religious rulings. Legal matters should be addressed through appropriate legal channels.
By using this website, users agree to these terms and conditions.