{"id":5915,"date":"2024-07-10T07:41:47","date_gmt":"2024-07-10T07:41:47","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/status-of-income-from-pensioners-benefit-account\/"},"modified":"2024-07-10T13:24:14","modified_gmt":"2024-07-10T13:24:14","slug":"status-of-income-from-pensioners-benefit-account","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/status-of-income-from-pensioners-benefit-account\/","title":{"rendered":"Status Of Income From Pensioner&#8217;s Benefit Account"},"content":{"rendered":"<h3>Question<\/h3>\n<p>I have to ask that is it  Halal to open an account and use profits by Pensioner\u2019s Benefit Account  (PBA) under National Savings Organization, Ministry of Finance at  National Savings Centre (NSCs)?<\/p>\n<h3>Answer<\/h3>\n<p>Our  teacher, Mr Javed Ahmad Ghamidi, is of the opinion that if the  Pakistani government offers financial help to its old citizens on the  basis of a scheme, it is okay because it is its obligation to do so. If  the government is indulging in riba-based arrangement in doing so, it is  not the responsibility of the individual.<\/p>\n<p>My  humble opinion is that insofar as simple pension is concerned, the  principle is fine. However, if the government is offering its old  citizens fixed returns on the basis of an investment, it is riba and  should be avoided except in case when the individual is in real  difficulty, which many pensioners are in.<\/p>\n<p><strong>Answered by:<\/strong> Dr. Khalid Zaheer<\/p>\n<p><strong>Date:<\/strong> 2015-03-05<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"5915\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>I have to ask that is it  Halal to open an account and use profits by Pensioner\u2019s Benefit Account  (PBA) under National Savings Organization, Ministry of Finance at  National Savings Centre (NSCs)?<\/p>\n","protected":false},"author":7,"featured_media":14147,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1169],"tags":[1456,1457,1459,1458],"class_list":["post-5915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-issues","tag-income","tag-money","tag-pension","tag-saving-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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He has a Ph.D. from the University of Wales. His Ph.D. thesis was a critique on Islamic Banking. Dr Kahlid also had an intensive formal religious education in Islam. He studied Quran from Dr. Israr Ahmed, Mawlana Amin Ahsan Islahi, and Javed Ahmed Ghamdi. He also went through a formal two years course on Arabic and Islamic learning from Al-Mawrid, in 1983-84. Dr. Khalid Zaheer has a deep and incisive understanding of the very relevant issue of Islam and modernity and has taught courses on Islamic ethics, traditions and economics etc. at various top national institutions, including the Aga Khan University, Lahore University of Management Sciences (LUMS), University of Central Punjab, Hailey College of Commerce, information Technology University, and Institute of Art and Culture. Dr Khalid Zaheer has also delivered various lectures on Islam in UK, Canada, Australia, Malaysia, Japan and many prestigious institutions of Pakistan. Including Civil Services Academy, Administrative Staff College and PAF War College.","sameAs":["https:\/\/khalidzaheer.com"],"url":"https:\/\/al-mawrid.org\/questions-en\/author\/kzaheer\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":6722,"url":"https:\/\/al-mawrid.org\/questions-en\/saving-certificates-and-riba\/","url_meta":{"origin":5915,"position":0},"title":"Saving Certificates And Riba","author":"Khalid Zaheer","date":"July 10, 2024","format":false,"excerpt":"Would saving certificate schemes be considered as Riba (interest)?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":5956,"url":"https:\/\/al-mawrid.org\/questions-en\/does-giving-away-the-earned-riba-render-it-allowable\/","url_meta":{"origin":5915,"position":1},"title":"Does Giving Away The Earned Riba Render It Allowable?","author":"admin","date":"July 10, 2024","format":false,"excerpt":"It is said that interest earned on savings in bank account if given to deserving people is allowed in Islam and it does not fall within the ambit of riba. Pease comment on this view.","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6788,"url":"https:\/\/al-mawrid.org\/questions-en\/fixed-deposit-and-national-saving-schemes\/","url_meta":{"origin":5915,"position":2},"title":"Fixed Deposit And National Saving Schemes","author":"Khalid Zaheer","date":"July 10, 2024","format":false,"excerpt":"Is it allowable to:keep money as a fix deposit for five years in the bank and received a specific percentage on that amount and keep the amount in Pakistan government policy Qawmy Bachat Scheme?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6350,"url":"https:\/\/al-mawrid.org\/questions-en\/halal-investment\/","url_meta":{"origin":5915,"position":3},"title":"Halal Investment","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I want to know what is your opinion about halaal investment. 1. Is investment in usual banks Halaal?2. Where investment is Halaal?3. What about insurance and saving accounts in banks?Please consider inflation and other logical ideas presented by those who consider this halaal.","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6461,"url":"https:\/\/al-mawrid.org\/questions-en\/lending-riba-and-infaq\/","url_meta":{"origin":5915,"position":4},"title":"Lending, Riba And Infaq","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Does Allah announce a reward in the Qur'an (or through Sunnah) for the people who lend their money to a businessperson who already has an established business and wants to expand further? 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