Is an Investment With Fixed Monthly Returns Halal in Islam?

Walekumussalam,

Ji nahin, yeh investment shariyat ke mutabiq jaiz nahin hai, balki najaiz aur sood ke mushabeh hai.

Is ki wajah yeh hai ke:

Awwalan, jo aap ko har mahine 20,000 “rent” dene ki baat ho rahi hai, yeh darasal ek fixed aur guaranteed munafa hai. Shariyat mein sarmaya par pehle se tay shuda aur yaqini nafa lena jaiz nahin hota, chahe usay kisi bhi naam se pukara jaye.

Doosra, aap ko yeh bhi yaqeen dhyani karai ja rahi hai ke aap ko kabhi nuksan nahin hoga aur jab chahen apni asal raqam wapas le sakte hain. Halanke shar‘i usool yeh hai ke nafa usi waqt halal hota hai jab nuksan ka bhi ihtimal ho. Jab nuksan ka koi imkaan hi na ho to yeh muamla tijarat nahin rehta balki sood ke qareeb ho jata hai.

30,000 ki raqam par har mahine 20,000 dena ek ghair mamooli aur ghair haqeeqi munafa hai, jo aam business mein mumkin nahin hota, is liye is mein dhokay ya ghair shar‘i tareeqe ka qawi andesha hota hai. isliye is tarah ki scheme mein paisa lagana jaiz nahin, is se bachna zaroori hai.

Agar aap halal tareeqe se investment karna chahte hain to woh surat yeh hai ke munafa percentage ke hisaab se ho, fixed na ho, aur nuksan ki surat mein aap bhi shareek hon — tab woh muamla jaiz hoga.