In life, financial challenges often test a person’s patience and faith. Among these, qarz (debt) can be one of the heaviest burdens a believer carries – affecting not only wealth but also peace of mind, family harmony, and spiritual focus. Islam recognizes this struggle deeply. That’s why our beloved Prophet Muhammad ﷺ himself made heartfelt supplications seeking protection from debt and taught his followers powerful qarz ki duas that bring relief, blessings, and a way out of financial distress.
The beauty of qarz ki dua lies in its balance – it doesn’t just ask for money or wealth, but for halal rizq (lawful sustenance), self-sufficiency, and independence from others. These duas nurture both spiritual and financial well-being, helping a believer restore peace, honor, and trust in Allah’s mercy.
The Importance of Reciting Qarz Ki Dua
Debt is not just a financial responsibility—it’s also a spiritual and moral one. Islam encourages believers to fulfill their debts promptly and to seek Allah’s help through sincere dua, trust, and effort.
Prophet Muhammad ﷺ frequently made dua for protection from debt, recognizing how it could weigh heavily on a person’s soul and dignity.
In one authentic narration, the Prophet ﷺ said:
“When a man gets into debt, he speaks and tells lies, and he makes a promise and breaks it.”
(Sahih al-Bukhari 832)
This shows how serious and consuming debt can become if left unattended. Hence, seeking Allah’s help through authentic qarz ki dua is an act of both faith and responsibility.
1. Main Qarz Ki Dua (Allahumma Akfini Bihalalika)
This is the most authentic and widely narrated dua for relief from debt and haram means. It was taught by Prophet Muhammad ﷺ himself.
Arabic Text:
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Transliteration:
Allahumma akfini bihalalika ‘an haramika, wa aghnini bifadhlika ‘amman siwaka.
English Translation:
“O Allah, suffice me with what You have made lawful so that I may avoid what You have made unlawful, and make me independent of all others besides You.”
Qarz Ki Dua With Urdu Translation:
اے اللہ! مجھے اپنے حلال کے ذریعے حرام سے بچا لے، اور اپنے فضل سے مجھے دوسروں سے بے نیاز کر دے۔
Qarz Ki Dua in Hindi:
ऐ अल्लाह! तू अपने हलाल से मुझे हराम से बचा ले, और अपने फ़ज़्ल से मुझे दूसरों से बे-नियाज़ कर दे।
This qarz ki dua allahumma akfini bihalalika is authentic and reported in Sunan al-Tirmidhi (3563). It beautifully combines spiritual reliance with a plea for lawful sustenance and self-sufficiency.
2. Qarz Ki Dua from the Qur’an
The Qur’an contains powerful prayers that can be recited with the intention of debt relief and financial ease. While not specific to qarz, they reflect the same essence — seeking Allah’s mercy, sustenance, and forgiveness.
Dua of Prophet Zakariya (A.S.):
رَبِّ لَا تَذَرْنِي فَرْدًا وَأَنتَ خَيْرُ الْوَارِثِينَ
(Surah Al-Anbiya 21:89)
Translation:
“My Lord, do not leave me alone, while You are the best of inheritors.”
This ayah represents hope during financial hardship and emotional distress — turning to Allah as the ultimate Provider.
Another Quranic Supplication for Ease:
رَبِّ اشْرَحْ لِي صَدْرِي • وَيَسِّرْ لِي أَمْرِي
(Surah Taha 20:25-26)
Translation:
“My Lord, expand my chest for me, and make my task easy for me.”
Though not a direct qarz ki dua in Quran, this ayah is often recited to seek ease in paying debts, managing finances, and achieving lawful means of income.
3. Ada e Qarz Ki Dua (Dua for Paying Off Debt)
When burdened with loans or repayments, this dua from Sahih Hadith can be recited regularly to seek Allah’s help in repaying debts completely and easily.
Arabic Text:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
Transliteration:
Allahumma inni a‘udhu bika minal-hammi wal-hazan, wa a‘udhu bika minal-‘ajzi wal-kasal, wa a‘udhu bika minal-jubni wal-bukhl, wa a‘udhu bika min ghalabatid-dayni wa qahrir-rijal.
English Translation:
“O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and miserliness, and from being overcome by debt and overpowered by men.”
This dua was personally recommended by the Prophet ﷺ to a companion who was troubled by debt and anxiety (Sunan Abu Dawood 1555). Within days of reciting it, the companion reported immense relief spiritually and financially.
4. Qarz Ki Dua Hadees – From Authentic Narrations
Hadith literature emphasizes making dua regularly for financial protection and lawful provision. Prophet Muhammad ﷺ used to pray for being free from debt as part of his daily supplications.
He ﷺ said:
“Whoever is in debt and says this dua, Allah will provide for him a way out and grant him sufficiency.”
(Tirmidhi, Hasan Hadith)
The Prophet ﷺ himself would make dua in these words:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ
Allahumma inni a‘udhu bika minal-ma’sami wal-maghram
Translation:
“O Allah, I seek refuge with You from sin and heavy debt.”
(Sahih al-Bukhari 832)
This short yet profound dua can be recited daily, especially after prayers, as part of one’s regular supplications.
5. Spiritual Tips Alongside Reciting Qarz Ki Dua
While duas are immensely powerful, Islam encourages believers to combine spiritual effort with practical action:
-
Offer Regular Salah (Namaz):
Salah invites barakah (blessings) and divine assistance. -
Give Charity (Sadaqah):
The Prophet ﷺ said, “Charity does not decrease wealth.” (Muslim) -
Seek Halal Earnings:
Always prefer lawful means of earning, as it directly impacts barakah and financial stability. -
Make Dua After Every Salah:
Consistency and sincerity make supplications more effective.
Related Dua – For Ease in Financial Matters
Arabic Text:
اللَّهُمَّ يَا مُفَتِّحَ الْأَبْوَابِ، وَيَا مُسَبِّبَ الْأَسْبَابِ، وَيَا قَاضِيَ الْحَاجَاتِ، اقْضِ عَنِّي دَيْنِي، وَأَغْنِنِي مِنْ فَضْلِكَ
Transliteration:
Allahumma ya mufattihal-abwab, wa ya musabbibal-asbab, wa ya qadiyal-hajat, iqdi ‘anni dayni, wa aghnini min fadhlik.
Translation:
“O Allah, O Opener of doors, O Cause of all causes, O Fulfiller of needs, pay off my debt and enrich me from Your bounty.”
While this wording is not from a specific hadith, it aligns with the Qur’anic and prophetic tone and may be used as a general supplication (without claiming authenticity as a prophetic wording).
Read Also: Qabristan Ki Dua
Qarz Ki Dua With Urdu Translation
| Arabic Dua | Urdu Translation |
|---|---|
| اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ | اے اللہ! اپنے حلال کے ذریعے مجھے حرام سے بچا لے۔ |
| اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ | اے اللہ! میں تجھ سے غم، اداسی اور قرض کے بوجھ سے پناہ مانگتا ہوں۔ |
| اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ | اے اللہ! میں گناہ اور قرض سے تیری پناہ مانگتا ہوں۔ |
Conclusion: True Relief Comes from Allah Alone
Debt can feel like a mountain on one’s shoulders, but with sincere dua, trust in Allah, and lawful means of earning, even the heaviest burden becomes lighter.
The qarz ki dua especially “Allahumma akfini bihalalika ‘an haramika” remains one of the most powerful ways to seek divine help.
Let these authentic duas bring comfort to your heart, ease to your financial worries, and blessings to your livelihood. Remember, every dua made in sincerity is heard, and every hardship has an end by the mercy of Allah ﷻ.
? Commonly Asked FAQs about Qarz Ki Dua
1. Can I recite Qarz Ki Dua in my own language?
Yes, you can make dua in your language after reciting the Arabic version. The essence lies in sincerity and understanding what you are asking Allah for.
2. What is the best time to recite Qarz Ki Dua?
After every obligatory Salah, during Tahajjud, or any moment of deep reflection and sincerity is the best time.
3. Is there a specific number of times to read these duas?
No fixed number is mentioned in Hadith. Consistency and trust in Allah are more important than repetition counts.
4. Can women also recite Qarz Ki Dua?
Absolutely. These duas are for every Muslim, regardless of gender.
5. Will reciting Qarz Ki Dua help clear debts quickly?
Yes, with sincere faith and lawful efforts, Allah opens unseen doors of relief. But dua must always be paired with honest financial responsibility.
6. What should I do if I can’t repay my debt yet?
Keep making dua, stay in contact with your creditor, and make small consistent payments. Islam values intention and effort as much as the outcome.