{"id":6788,"date":"2024-07-10T07:44:00","date_gmt":"2024-07-10T07:44:00","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/fixed-deposit-and-national-saving-schemes\/"},"modified":"2025-11-16T21:49:22","modified_gmt":"2025-11-16T16:49:22","slug":"fixed-deposit-and-national-saving-schemes","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/fixed-deposit-and-national-saving-schemes\/","title":{"rendered":"Fixed Deposit And National Saving Schemes"},"content":{"rendered":"<h3>Question<\/h3>\n<p>Is it allowable to:<\/p>\n<ol>\n<li>keep money as a fix deposit for five years in the bank and received a specific percentage on that amount and <\/li>\n<li>keep the amount in Pakistan government policy <em>Qawmy Bachat<\/em> <em>Scheme<\/em>?<\/li>\n<\/ol>\n<h3>Answer<\/h3>\n<p>Interest offered by the  conventional banks is prohibited and a Muslim should avoid taking it  unless his circumstances are compelling. Qaumi Bachat Scheme too comes  under the same category. However, if the government offers a regular  payment to the old people in the form of pension etc taking it would be  permissible no matter how revenue is generated. <\/p>\n<p><strong>Answered by:<\/strong> Dr. Khalid Zaheer<\/p>\n<p><strong>Date:<\/strong> 2015-03-03<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"6788\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>Is it allowable to:<\/p>\n<ol>\n<li>keep money as a fix deposit for five years in the bank and received a specific percentage on that amount and <\/li>\n<li>keep the amount in Pakistan government policy <em>Qawmy Bachat<\/em> <em>Scheme<\/em>?<\/li>\n<\/ol>\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":[1210,1212,1533,1458,1211],"class_list":["post-6788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-issues","tag-bank","tag-interest","tag-riba","tag-saving-money","tag-sood"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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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":6862,"url":"https:\/\/al-mawrid.org\/questions-en\/questions-about-zakah\/","url_meta":{"origin":6788,"position":1},"title":"Questions About Zakah","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I have some questions regarding payment of Zakah. Please clarify them for me. 1. Last year I saved $ 40,000 and paid my Zakah according to the law of the land. I have not used this amount still and have saved another $10,000. Do I need to pay Zakah on\u2026","rel":"","context":"In &quot;Worship Rituals&quot;","block_context":{"text":"Worship Rituals","link":"https:\/\/al-mawrid.org\/questions-en\/category\/worship-rituals\/"},"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":6006,"url":"https:\/\/al-mawrid.org\/questions-en\/zakat-and-the-retired-elderly\/","url_meta":{"origin":6788,"position":2},"title":"Zakat And The Retired Elderly","author":"admin","date":"July 10, 2024","format":false,"excerpt":"My question is about eligibility of Zakat at old age when there is no source of income for retired person. For example my uncle has given Zakat his whole life regularly and completely. Now he is 75. He sold his spare home and then submitted the money in Islamic bank\u2026","rel":"","context":"In &quot;Worship Rituals&quot;","block_context":{"text":"Worship Rituals","link":"https:\/\/al-mawrid.org\/questions-en\/category\/worship-rituals\/"},"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":6866,"url":"https:\/\/al-mawrid.org\/questions-en\/investment-in-national-saving-schemes\/","url_meta":{"origin":6788,"position":3},"title":"Investment In National Saving Schemes","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Assal\u0101m o \u2018alaykum, My name is Elahi bakhsh Awan. I am a retired Engineer. I have two daughters. The elder one is widow and I support her and her two kids. I am a patient of diabetes. So I cannot work at this age. I do not have any experience\u2026","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":6893,"url":"https:\/\/al-mawrid.org\/questions-en\/bank-loans-and-interest-based-transactions\/","url_meta":{"origin":6788,"position":4},"title":"Bank Loans And Interest Based Transactions","author":"admin","date":"July 10, 2024","format":false,"excerpt":"1. As every one knows that in Belgium all Banks are working on the basis of interest and none of them is working without interest because that is their way of income and without that they can\u2019t run their system. Please guide that is it right that we may deal\u2026","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":6934,"url":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/","url_meta":{"origin":6788,"position":5},"title":"Purchasing house on mortgage and Mr. Ghamidi&#8217;s view","author":"Mushfiq Sultan","date":"July 10, 2024","format":false,"excerpt":"Dear Ghamidi sahab,Salam,I have listened to your lectures and I have been able to correct my many beliefs that we had from my ancestors.Relating to mortgage you said that banks buy us the property but when I read the agreement they actually lend us the money and our liability is\u2026","rel":"","context":"In \"bank\"","block_context":{"text":"bank","link":"https:\/\/al-mawrid.org\/questions-en\/tag\/bank\/"},"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":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pgh6ci-1Lu","_links":{"self":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/comments?post=6788"}],"version-history":[{"count":0,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6788\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media\/14147"}],"wp:attachment":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media?parent=6788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/categories?post=6788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/tags?post=6788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}