Open Letter- Riba Concept in Quran

“Your wealth and your children are but a trial. It is Allah with Whom is the greatest reward.”(Qur’an;64:15)


Riba (usury) is Haraam (forbidden), it has been clearly explained in Quran

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ ‎﴿٢٧٨﴾‏ فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ ‎﴿٢٧٩﴾

“O you who believe! Be careful of (your duty to) Allah and relinquish what remains (due) from Riba (usury), if you are believers. (278) But if you do (it) not, then be apprised of war from Allah and His Apostle; and if you desist, repent, then you shall have your capital; neither shall you make (the debtor) suffer loss ( by asking for more) nor shall you be made to suffer loss (through decrease in value of your capital)”(Quran 2;279)
The Safety and Security of value of “Principal Capital”(اموال) is not an interpretation but an unambiguous Command of Allah, which cannot be ignored or undermined through interpretations, if done, it would be distortion (Tehreef) in meanings of words of Allah, concealing truth (کتمان حق) major sin (گناہ کبیرہ) punishable through hell fire:

“Why do you mix truth with falsehood and knowingly hide the truth?”(Quran 3:71).

“Allah said, … “And you shall not be dealt with unjustly” meaning, your original capital will not diminish. Rather, you will receive only what you lent without increase or decrease. The Messengerﷺ of of Allah during the Farewell Hajj said; “Verily, every case of Riba from the Jahiliyyah (days of ignorance) is completely annulled. You will only take back your capital, without increase or decrease (hence devaluation due to inflation must be compensated) [Extract- ibn Kathir]
Defiant Scholars at War With Allah & Messenger ﷺ
Compensation for decrease in value of Principal Capital of depositors due to inflation or any factor in Not Riba, according to Quran 2:279. The ignorants who call it Riba are at war with Allah & Messenger ﷺ in Defiance:

“ .. they disliked what Allah revealed, so He rendered their deeds worthless.(Quran 47:9).

However the Islamic Banking is much wider in scope which is needed.

How to Avoid Injustice (zulm)

“those endowed with wisdom & insight receive direction and guidance”  (Quran:2:269). The injustice being done to the depositors through Inflation caused by monetary policies & corruption, which erodes the value of principal. This loss should be compensated through Indexation. The loss in value of pay and pensions is compensated partially through “Dearness Allowance”, which is not riba. The monetary system generated interest rates vary with inflation, which partially compensate for the loss of Principal Capital value as guaranteed by Allah. How does it become Riba? Such mis-interpretation is injustice (zulm) declaration of war with Allah & Messengerﷺ,

 (Quran; 2:279, 18:27, 28, 55:9,11:85, 2:188);45:7-8, 38:29, 2:159, 49:6, 62:5, 8:22, & 2:18, 16:76)

ز مَن بر صُوفی و مُلاّ سلامے: کہ پیغامِ خُدا گُفتَند ما را : ولے تاویلِ شاں در حیرت اَنداخت: خُدا و جبرئیلؑ و مصطفیؐ را

My Salaam to Sufi and Mullas for conveying the message of Allah to us. But the interpretations they made of those Commands, bewilders Allah, Gabriel & Muhammadﷺ” [Dr. Allamah Muhammad Iqbal]


(وَمَا عَلَيۡنَاۤ اِلَّا الۡبَلٰغُ الۡمُبِيۡنُ (اور ہمارے ذمہ صرف واضح پیغام پہنچا دینا ہے) (القرآن 36:17
Our mission is only to convey the message clearly.

Open Invitation to You

Everyone is invited to participate in this “Awareness Campaign” against ignorance & disinformation because: “Whoever joins himself (to another) in a good cause shall have a share of it, and whoever joins himself (to another) in an evil cause shall have the responsibility of it, and Allah controls all things.”(Quran 4:85)


Brigadier(r) Aftab Khan Abdallah : A freelance writer, researcher, and blogger, holds Masters in Political Science, Business Admin, Strategic Studies, spent over two decades in exploration of The Holy Quran & other Scriptures. He has been writing for “The Defence Journal” since 2006. His work is available at accessed by Millions. He can be reached via Email: Research:

Open Letter on Anti Quran Riba Concept >>>

Open Letter On Anti Quran 2_279 Concept.pdf

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