{"id":6866,"date":"2024-07-10T07:44:14","date_gmt":"2024-07-10T07:44:14","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/investment-in-national-saving-schemes\/"},"modified":"2025-11-16T21:49:11","modified_gmt":"2025-11-16T16:49:11","slug":"investment-in-national-saving-schemes","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/investment-in-national-saving-schemes\/","title":{"rendered":"Investment In National Saving Schemes"},"content":{"rendered":"<h3>Question<\/h3>\n<p>Assal\u0101m o \u2018alaykum,<\/p>\n<div>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 of business either. I don\u2019t have any source of income. At  the time of retirement I got some money. Besides that I do not have any  property or assets. Right now I am living on rent. I also do not have  any son who can support me. I am also not getting any pension as I have  worked in a private company. <\/div>\n<div>In this situation can I fix this amount in National Saving Scheme? I have heard that this money is not interest free and it is <em>har\u0101m<\/em>. Can you please suggest me what should I do? I will expect your reply at the earliest.<\/div>\n<div>Regards,<\/div>\n<div>Elahi Bakhsh Awan<\/div>\n<h3>Answer<\/h3>\n<p>Involving in an interest-based transaction, in particular as the receiver of interest, is strictly forbidden in Islam.<\/p>\n<p>However, like other rules of <em>Shar\u012b\u2018ah<\/em>,  if abiding by this rule results in severe difficulty of such an extent  that it would be no longer possible to have a normal life with dignity,  then these rules can be temporarily relaxed. This is because dignity and  security are two important aspects of life of every human being and  without them even our religious life can be affected. <\/p>\n<p>It  will be up to the individual to judge whether the above-mentioned  exception to the rule is applicable to his\/her situation. This can be  done only after a reasonable study of other available options and if  needed after consultation with financial experts. In any case, while  benefitting from this permission reasonable effort should be made to  take advantage of the possible opportunities, as and when they emerge,  in order to abide by the rules of Shar\u012b\u2018ah. <\/p>\n<p><strong>Answered by:<\/strong> Farhad Shafti<\/p>\n<p><strong>Date:<\/strong> 2015-03-28<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"6866\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>Assal\u0101m o \u2018alaykum,<\/p>\n<div>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 of business either. I don\u2019t have any source of income. At  the time of retirement I got some money. Besides that I do not have any  property or assets. Right now I am living on rent. I also do not have  any son who can support me. I am also not getting any pension as I have  worked in a private company. <\/div>\n<div>In this situation can I fix this amount in National Saving Scheme? I have heard that this money is not interest free and it is <em>har\u0101m<\/em>. Can you please suggest me what should I do? I will expect your reply at the earliest.<\/div>\n<div>Regards,<\/div>\n<div>Elahi Bakhsh Awan<\/div>\n","protected":false},"author":1,"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":[1171,1212,1605,2622],"class_list":["post-6866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-issues","tag-banks","tag-interest","tag-investment","tag-saving-scheme"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investment In National Saving Schemes - Al-Mawrid Queries<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/al-mawrid.org\/questions-en\/investment-in-national-saving-schemes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investment In National Saving Schemes - Al-Mawrid Queries\" \/>\n<meta property=\"og:description\" content=\"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 of business either. I don\u2019t have any source of income. At the time of retirement I got some money. Besides that I do not have any property or assets. Right now I am living on rent. I also do not have any son who can support me. I am also not getting any pension as I have worked in a private company. In this situation can I fix this amount in National Saving Scheme? I have heard that this money is not interest free and it is har\u0101m. Can you please suggest me what should I do? I will expect your reply at the earliest. 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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 of business either. I don\u2019t have any source of income. At the time of retirement I got some money. Besides that I do not have any property or assets. Right now I am living on rent. I also do not have any son who can support me. I am also not getting any pension as I have worked in a private company. In this situation can I fix this amount in National Saving Scheme? I have heard that this money is not interest free and it is har\u0101m. Can you please suggest me what should I do? I will expect your reply at the earliest. 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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":6866,"position":2},"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":6591,"url":"https:\/\/al-mawrid.org\/questions-en\/saving-for-the-hard-times\/","url_meta":{"origin":6866,"position":3},"title":"Saving For The Hard Times","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Am I allowed to save some for rainy days which is excess to my needs in Islam, and if not what is provision of 2.50 per cent of zakah. It may also be explained that how can a society be developed equally by the ratio of 97.50 percent and 2.50\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":5915,"url":"https:\/\/al-mawrid.org\/questions-en\/status-of-income-from-pensioners-benefit-account\/","url_meta":{"origin":6866,"position":4},"title":"Status Of Income From Pensioner&#8217;s Benefit Account","author":"Khalid Zaheer","date":"July 10, 2024","format":false,"excerpt":"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)?","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":6866,"position":5},"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":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pgh6ci-1MK","_links":{"self":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6866","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/comments?post=6866"}],"version-history":[{"count":0,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6866\/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=6866"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/categories?post=6866"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/tags?post=6866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}