Fatwa: # 43429
Category: Business Matters
Country:
Date: 4th November 2019

Title

Interest money to pay online fraud transaction

Question

As salamualaikum, Respected Mufti sahab, I had a fraud online transaction on my HDFC credit card for Rs. 31500.00 at Payu Payments – www.giftca on 2019-06-20:12:35:06. Immediately I informed the bank and blocked the card. Bank confirmed that the money is still not debited from the Bank and they will review the transaction. Agreed to resolved in 90 days but they charged me in next bill.Now not accepting saying you shared the OTP so it is your responsibility. I tried to register FIR but Bengaluru police want to submit local ID not accepting UP ID.

Can I pay this amount with Interest received from various private banks or government banks. Now I am just paying other expenses excluding this amount else they will block the card. They added interest due to lower amount payment.

I told them I will not pay this amount. Please guide me for same. 

 

Wasalam

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, it is not permissible to enter into an interest-bearing transaction.[1] However, if there is no alternative then one should return the interest money received to its owner. If that is not possible, then the interest money must be given to the poor and needy without the intention of reward.[2] Furthermore, it is not permissible to deliberately accumulate interest money.

In the enquired scenario, according to what you have stated, paying the amount will be regarded as oppressive. Hence, it will only be permissible to use interest money accumulated from HDFC bank to pay the amount, irrespective of it being from your account or someone else’s.[3] However interest accumulated from other banks will not be permissible to use to pay the amount. [4]

And Allah Ta’āla Knows Best

Checked and Approved by,
Mufti Ebrahim Desai.

 


[1] يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ ٱتَّقُوا۟ ٱللَّهَ وَذَرُوا۟ مَا بَقِىَ مِنَ ٱلرِّبَوٰٓا۟ إِن كُنتُم مُّؤْمِنِينَ * فَإِن لَّمْ تَفْعَلُوا۟ فَأْذَنُوا۟ بِحَرْبٍ مِّنَ ٱللَّهِ وَرَسُولِهِۦ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَٰلِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ (سورة البقرة278-279)

 

ياأَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً ۖ وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ (سورة آل عمران 130)

 

عَوْنِ بْنِ أَبِي جُحَيْفَةَ، قَالَ رَأَيْتُ أَبِي اشْتَرَى عَبْدًا حَجَّامًا، فَسَأَلْتُهُ فَقَالَ نَهَى النَّبِيُّ صلى الله عليه وسلم عَنْ ثَمَنِ الْكَلْبِ، وَثَمَنِ الدَّمِ، وَنَهَى عَنِ الْوَاشِمَةِ وَالْمَوْشُومَةِ، وَآكِلِ الرِّبَا، وَمُوكِلِهِ، وَلَعَنَ الْمُصَوِّرَ‏.(صحيح البخارى 2086)

 

 

[2] الفتاوى الهندية  (349/5)

 والسبيل في المعاصي ردها وذلك هاهنا برد المأخوذ إن تمكن من رده بأن عرف صاحبه

 

تبيين الحقائق شرح كنز الدقائق وحاشية الشلبي (6/ 27)

 ويردونها على أربابها إن عرفوهم، وإلا تصدقوا بها؛ لأن سبيل الكسب الخبيث التصدق إذا تعذر الرد على صاحبه

 

الدر المختار وحاشية ابن عابدين (رد المحتار   (5/ 235(

مطلب إذا اكتسب حراما ثم اشترى فهو على خمسة أوجه

(قوله اكتسب حراما إلخ) توضيح المسألة ما في التتارخانية حيث قال: رجل اكتسب مالا من حرام ثم اشترى فهذا على خمسة أوجه: أما إن دفع تلك الدراهم إلى البائع أولا ثم اشترى منه بها أو اشترى قبل الدفع بها ودفعها  ...   وقال الكرخي: في الوجه الأول والثاني لا يطيب، وفي الثلاث الأخيرة يطيب، وقال أبو بكر: لا يطيب في الكل، لكن الفتوى الآن على قول الكرخي دفعا للحرج عن الناس اهـ. وفي الولوالجية: وقال بعضهم: لا يطيب في الوجوه كلها وهو المختار، ولكن الفتوى اليوم على قول الكرخي دفعا للحرج لكثرة الحرام اهـ

 

 الدر المختار وحاشية ابن عابدين (رد المحتار)  (5/ 99)

والحاصل أنه إن علم أرباب الأموال وجب رده عليهم، وإلا فإن علم عين الحرام لا يحل له ويتصدق به بنية صاحبه

 

[3]   کیا میں اپنے والد صاحب اور بھائی کے اکاوٴنٹ کی سودی رقم کواپنے انکم ٹیکس کی ادائیگی کے لیے استعمال کرسکتا ہوں؟

 جی ہاں! کرسکتے ہیں بہ شرطے کہ وہ بینک سرکاری ہوں۔

واللہ تعالیٰ اعلم

دارالافتاء،

دارالعلوم دیوبند

http://www.darulifta-deoband.com/home/ur/Interest--Insurance/153517

 

[4]  فتاوى دارالعلوم زكريا (ج 5 ص 421/423)

 

محمود الفتاوى (ج3 ص73)

 

 

 

 

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