Zindagi mein kabhi-kabhi hum aise financial challenges ka samna karte hain jo humare liye bohot mushkil ban jaate hain. Karz ka bojh insan ke liye ek pareeksha ban sakta hai. Islam humein yeh seekhata hai ke har mushkil ke liye Allah se madad maangni chahiye aur uske samne dua karni chahiye. Qur’an aur Hadith mein Karaz Se Nijat Pane Ki Dua aur amal bataye gaye hain, jo humari zindagi ko asaan bana sakte hain.
steps to perform dua –
- Jab kabhi bhi aap ye wazifa kare to wuzu bana lijiye .
- To is wazifa ko asman dhekte hi padni hain.
- Is dua ko 1000 baar padhna hain
- inna lillahi howarizku zul quwwatil mateen
- Uske baad 11 baar Durood sharif padhein.

Karz Ki Ahmiyat Aur Iska Sunnet Se Hal
Allah Ta’ala ne humein zindagi ke har pehlu mein rehnumai di hai. Karz ek aise zimmedari hai jo insaan ko ada karni chahiye. Jo log apne karz ko ada karne mein sincere hote hain, unke liye Allah Ta’ala madad farmaate hain.
Rasoolullah ﷺ ne farmaya:
“Jo shakhs logon ka qarz ada karna chahta hai, Allah uski madad farmaata hai.”
(Tirmidhi)
Isliye hamesha dua ke zariye Allah se madad maange aur apne faisalon mein iman aur sabr ka daaman thamein.
Karz Se Nijat Pane Ki Masnoon Dua
Yeh ek bohot mashhoor aur faida mand dua hai jo Rasoolullah ﷺ ne karz se nijat ke liye sikhai:
اللَّهُمَّ اكْفِنِي بِحَلالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allahumma ikfini bihalalika ‘an haramika, wa aghnini bifadlika ‘amman siwaka.“Ya Allah! Mujhe apne halal (rizq) ke zariye kaafi bana de haram (chiz) se, aur apne fazl se mujhe ghair logon se be-niyaz kar de.”
(Tirmidhi)
Is dua ko rozana apne namaz ke baad ya kisi bhi waqt dil se padhein. If you are struggling to find love in someone’s heart this dua will help you to increase love in the heart of the person you love Dua for love .
Karz Se Nijat Pane Ke Liye Qurani Ayat
Yeh Qurani ayat karz se nijat ke liye bohot asar rakhti hai:
وَإِن يَمْسَسْكَ ٱللَّهُ بِضُرٍّۢ فَلَا كَاشِفَ لَهُۥٓ إِلَّا هُوَ ۖ
“Wa in yamsaska Allahu bidurrin fala kashifa lahu illa Hu.”“Aur agar Allah tumhe kisi takleef mein daal de, to uske ilawa koi usse door karne wala nahi.”
(Qur’an 6:17)
Is ayat ko aksar padhein aur apne dil mein yakeen rakhein ke sirf Allah hi madad karne wala hai.
Karz Se Nijat Pane Ka Amal
- Istighfar Ki Aadat Dalna: Har waqt Astaghfirullah ka wazifa karein. Istighfar rizq ke darwaze kholta hai aur mushkilein door karta hai.
- Sadqa Dena: Sadqa dene se barakat aati hai aur karz se nijat milti hai.
- Namaz Ki Pabandhi: Rozana namaz ke baad Allah se dua karein.
- Halal Rizq Ka Tareeqa: Apne rizq ke zariye ko hamesha halal rakhein aur haram se bachein.
Qarz Se Nijat Ka Wazifa
- Jab kabhi bhi aap ye wazifa kare to wuzu bana lijiye .
- To is wazifa ko asman dhekte hi padni hain.
- Is dua ko 2000 baar padhna hain
- “ YAA GHAFFARU “
- Uske baad 7 baar Durood sharif padhein.
Sabak Aur Sabr Ka Paigham
Karz ek imtehan ho sakta hai jo humein Allah ke kareeb le jata hai. Dua ke saath saath humein apni koshish bhi jaari rakhni chahiye. Allah par yaqeen rakhein, apne maqsad mein dedicated rahen, aur hamesha shukar guzaar rahen.
Allah Ta’ala humein karz aur har tarah ke bojh se nijat ata karein aur apni rehmat aur barkat se hamesha nawazen. Ameen.