Ruling on PPI Money

Question:

Is it allowed to claim for PPI money which comes with interest? At times the interest is apparent and broken down, but most of the time the interest amount is unknown but its certainly added with the amount.

Answer:

بسم الله الرحمن الرحيم

One is only allowed to claim for the amount he had paid as PPI. Any extra money will be considered as interest and haram. Therefore, one may check his payment history and only claim the amount he had paid. If any extra money received from the PPI claim, should be given to the poor without the intention of gaining reward.

Allah knows best
Syed Hussain ibn Imamuddin
11 Shaʻban1442 / 24 March 2021

Approved by
Mufti Muhammad Tahir Wadee (حفظه الله)
Darul Uloom Bury, UK

References

قال سبحانه وتعالى: وَاَحَلَّ اللّٰهُ الۡبَيۡعَ وَحَرَّمَ الرِّبٰوا – البقرة ٢٧٥

وعَنْ جَابِرٍ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُوكِلَهُ وَكَاتِبَهُ وَشَاهِدَيْهِ وَقَالَ هُمْ سَوَاءٌ. رواه مسلم۔

وقال ابن عابدين في رد المحتار: ويردونها على أربابها إن عرفوهم، وإلا تصدقوا بها لأن سبيل الكسب الخبيث التصدق إذا تعذر الرد على صاحبه۔

Published by Mufti Syed Hussain ibn Imamuddin

Mufti Syed Hussain (Founding director of An-Nidaa Academy) is a graduate of the very first Islamic Institute in Europe, Darul Uloom Al Arabiya Al Islamiya, Bury UK. Shaykh completed his diploma on Islamic theology in Darul Uloom Bury in 2007. Throughout the course he studied various subjects; Arabic language and grammar, Fiqh, Usoolul Fiqh, Balagah, Hadith (sihah sitta), Usoolul Hadith, and Tafsir. Among his respected Shuyukh and teachers were the likes of Shaykhul Hadith Yusuf Motala R.A. (1946 – 2019) founder of Darul Uloom Bury and many more institutes of its like, Shaykh Hashim, Shaykh Bilal Bawa, Mufti Shabbir, Mufti Muhammad Tahir Wadee, Shaykh Abdur Rahim Limbada and many others. May Allah preserve them. Shaykh devoted several years after graduation in studying Ifta course under the supervision of Shaykh Mufti Abdur Rahman (Shaykhul Hadith of Ishaatul Islam London, Khateeb of Shahjalal Mosque Manor park London and former Hadith teacher at Jamia Madania Kazir Bazar Sylhet, Bangladesh). Beside his teachers at Darul Uloom Bury he has also received ijazah (permission) of Hadith from the following Shuyukh: Shaykhul Hadith Shah Ahmad Shafi R.A (1920-2020), student of Shaykhul Islam Husain Ahmad Madani (r.a), and former Shaykhul Hadith and Rector of Al-Jamiatul Ahlia Darul Ulum Moinul Islam Hathazari, Bangladesh. Shaykh Mufti Muhammad Rafi Usmani The Grand Mufti of Pakistan and President of Darul Uloom Karachi. Shaykhul Hadith Mukhlisur Rahman Qiampuri Shaykhul Hadith of Jamia Islamia Umarpur, Sylhet, Bangladesh. Respected Shaykh authorized Mufti Syed Hussain with a high sanad (chain of narrators) which is as follows: Shaykh Mukhlisur Rahman Qiampuri from Shaykh Abbas Ali khanpuri (r.a) from Shaykh Abdur Rahman Amruhi (r.a) from Shaykh Fadhlur Rahman Ganj Muradabadi (r.a) from Shaykh Shah Abdul Aziz Dehlvi (r.a) from Musnadul Hind Shaykh Shah Wali Ullah Dehlvi (r.a) (Allah’s mercy be upon them all). After many years of dedication in studying Shaykh Syed Hussain went on to teaching. In order to utilise the knowledge in an easier and more modern method Shaykh decided set up an online foundation by the name of An-Nidaa Academy. As an acting director Shaykh intends to broadcast his valuable knowledge and experience to the students of deen. May Allah accept his effort to provide deeni knowledge to the masses, the effort of his Shuyukh and teachers, the effort of the staff and the effort of the student who has set down on the path to acquire knowledge of deen. Aameen.

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