Karz Utarne Ki Dua is a powerful way to seek Allah’s help when facing financial difficulties, unpaid loans, and the stress of debt. Islam teaches Muslims to turn to Allah for halal rizq (provision), ease in hardship, and relief from financial worries while making sincere efforts to repay what they owe.
The Prophet Muhammad (ﷺ) taught authentic supplications for seeking protection from debt and financial distress. Below, you will find the Arabic text, Roman English transliteration, and Hindi, Urdu, and English meanings, along with guidance on when to recite the dua and practical steps to help manage debt according to Islamic teachings.
Karz Utarne Ki Dua in Arabic
Arabic:
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Reference: Jami at Tirmidhi, Hadith 3563. Imam Tirmidhi graded it hasan (good).
Karz Utarne Ki Dua Transliteration
Allahumma ikfini bihalalika ‘an haramika, wa aghnini bifadlika ‘amman siwak.
Karz Utarne Ki Dua in Hindi
Hindi transliteration:
अल्लाहुम्मक्फिनी बि हलालिका अन हरामिका, व अग़निनी बि फ़ज़लिका अम्मन सिवाक।
Hindi translation:
ऐ अल्लाह! मुझे अपने हलाल रिज़्क़ के ज़रिए हराम से बचाकर काफ़ी हो जा, और अपने फ़ज़्ल से मुझे अपने सिवा हर किसी से बेनियाज़ कर दे।
Karz Utarne Ki Dua in Urdu
اے اللہ! مجھے اپنے حلال رزق کے ذریعے حرام سے بچا کر کافی ہو جا، اور اپنے فضل سے مجھے اپنے سوا سب سے بے نیاز کر دے۔
Karz Utarne Ki Dua in English
“O Allah, make Your lawful provision enough for me so that I stay away from what You have forbidden, and with Your grace make me independent of everyone besides You.”
Meaning and Explanation of the Dua
The dua has two requests, and each one is connected to debt.
The first is for halal provision that is enough, so a person never reaches for haram income, interest or a doubtful loan to cover the gap. Many people sink deeper because they borrow from one source to pay another. This dua asks Allah to close that cycle with lawful means.
The second is to be free from needing anyone except Allah. A person in debt often feels small in front of creditors and relatives. The words “amman siwak” remind the heart that provision comes from Allah, and that every helper is only a means.
The Prophet (peace be upon him) taught a dua that joins trust in Allah with a clean income. That is why it works best when recited with sincere effort to earn and to repay.
More Duas Connected With Debt
Dua 2: Seeking Refuge From the Burden of Debt
Anas ibn Malik (may Allah be pleased with him) reported that the Prophet (peace be upon him) often made this supplication.
Arabic:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Transliteration:
Allahumma inni a’udhu bika minal hammi wal hazan, wal ‘ajzi wal kasal, wal bukhli wal jubn, wa dala’id dayni wa ghalabatir rijal.
Hindi translation:
ऐ अल्लाह! मैं तेरी पनाह माँगता हूँ फ़िक्र और ग़म से, कमज़ोरी और सुस्ती से, कंजूसी और बुज़दिली से, क़र्ज़ के बोझ से और लोगों के दबाव से।
Urdu translation:
اے اللہ! میں تیری پناہ مانگتا ہوں فکر اور غم سے، کمزوری اور سستی سے، بخل اور بزدلی سے، قرض کے بوجھ سے اور لوگوں کے غلبے سے۔
English meaning:
“O Allah, I seek refuge in You from worry and grief, from weakness and laziness, from miserliness and cowardice, from the weight of debt and from being overpowered by men.”
Reference: Sahih al Bukhari, Hadith 6369.
This dua covers the whole chain around debt: worry, inability to earn, laziness, and the pressure creditors can bring. It is a protective dua, read to avoid hardship and to ask for relief when already in it.
Dua 3: Asking Allah to Settle the Debt and Remove Poverty
Abu Hurayrah (may Allah be pleased with him) reported that the Prophet (peace be upon him) taught this dua for bedtime.
Arabic:
اللَّهُمَّ رَبَّ السَّمَاوَاتِ السَّبْعِ وَرَبَّ الْعَرْشِ الْعَظِيمِ، رَبَّنَا وَرَبَّ كُلِّ شَيْءٍ، فَالِقَ الْحَبِّ وَالنَّوَى، وَمُنْزِلَ التَّوْرَاةِ وَالْإِنْجِيلِ وَالْفُرْقَانِ، أَعُوذُ بِكَ مِنْ شَرِّ كُلِّ شَيْءٍ أَنْتَ آخِذٌ بِنَاصِيَتِهِ، اللَّهُمَّ أَنْتَ الْأَوَّلُ فَلَيْسَ قَبْلَكَ شَيْءٌ، وَأَنْتَ الْآخِرُ فَلَيْسَ بَعْدَكَ شَيْءٌ، وَأَنْتَ الظَّاهِرُ فَلَيْسَ فَوْقَكَ شَيْءٌ، وَأَنْتَ الْبَاطِنُ فَلَيْسَ دُونَكَ شَيْءٌ، اقْضِ عَنَّا الدَّيْنَ وَأَغْنِنَا مِنَ الْفَقْرِ
Transliteration:
Allahumma rabbas samawatis sab’i wa rabbal ‘arshil ‘azim, rabbana wa rabba kulli shay’in, faliqal habbi wan nawa, wa munzilat tawrati wal injili wal furqan, a’udhu bika min sharri kulli shay’in anta akhidhun bi nasiyatih. Allahumma antal awwalu falaysa qablaka shay’un, wa antal akhiru falaysa ba’daka shay’un, wa antaz zahiru falaysa fawqaka shay’un, wa antal batinu falaysa dunaka shay’un, iqdi ‘annad dayna wa aghnina minal faqr.
English meaning:
“O Allah, Lord of the seven heavens and Lord of the Mighty Throne, our Lord and Lord of everything, Splitter of the grain and the date stone, Revealer of the Tawrah, the Injil and the Furqan, I seek refuge in You from the evil of everything You hold by the forelock. O Allah, You are the First and nothing is before You. You are the Last and nothing is after You. You are the Manifest and nothing is above You. You are the Hidden and nothing is nearer than You. Settle our debt for us and enrich us from poverty.”
Hindi meaning of the last line: हमारा क़र्ज़ अदा करवा दे और हमें फ़क़्र से बेनियाज़ कर दे।
Reference: Sahih Muslim, Hadith 2713.
The last line is a direct request to settle debt. The opening praise of Allah comes first, which follows the etiquette of dua: begin with His names and greatness, then ask for the need.
Dua 4: Seeking Refuge From Sin and Debt in Salah
Aisha (may Allah be pleased with her) reported that the Prophet (peace be upon him) recited this dua in prayer before the salam.
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ
Transliteration: Allahumma inni a’udhu bika minal ma’thami wal maghram.
Hindi translation: ऐ अल्लाह! मैं तेरी पनाह माँगता हूँ गुनाह से और क़र्ज़ से।
English meaning: “O Allah, I seek refuge in You from sin and from debt.”
Reference: Sahih al Bukhari, Hadith 832 and Sahih Muslim, Hadith 589.
When asked why he sought refuge from debt so often, the Prophet (peace be upon him) said that a man in debt speaks and lies, and promises and breaks his promise. Debt can put a person’s character and trust at risk, not only his money.
When to Read Karz Utarne Ki Dua
No single hour makes the dua accepted, yet some times are especially hopeful:
- After the obligatory prayers, when the heart is calm.
- In the last third of the night.
- In sujood (prostration).
- Between the adhan and the iqamah.
- Before sleeping.
- On Friday, in the last hour before Maghrib.
- At the time of breaking the fast.
Recite it when a payment date is near, when income has stopped, or when worry about money disturbs worship and sleep.
How to Recite Karz Utarne Ki Dua
- Make wudu and face the qibla if possible.
- Begin with praise of Allah and salawat upon the Prophet (peace be upon him).
- Recite the dua slowly, with its meaning present in the heart.
- Raise the hands and ask Allah in your own words, in the language you speak best.
- Close with salawat and “Ameen”.
Recite the Arabic exactly as reported, and repeat it regularly instead of once in desperation.
Practical Steps That Go With the Dua
Dua is not a replacement for effort. The Prophet (peace be upon him) taught reliance on Allah together with action.
- Intend to repay. The Prophet (peace be upon him) said that whoever takes people’s wealth intending to repay it, Allah will repay on his behalf (Sahih al Bukhari, Hadith 2387).
- Pay on time and speak honestly. If payment is truly hard, ask the creditor politely for time. The Qur’an teaches a delay until ease for a debtor in hardship (Surah Al Baqarah 2:280).
- Reduce spending. Separate needs from wants and stop borrowing to cover old borrowing.
- Give charity when able. Even a small sadaqah brings blessing in provision.
- Make istighfar. The Qur’an connects seeking forgiveness with wealth and ease (Surah Nuh 71:10 to 12).
Benefits of Karz Utarne Ki Dua
These benefits are hopes placed in the mercy of Allah, not guaranteed outcomes on a fixed date.
- Relief from worry. Calling upon Allah gives the heart rest.
- Protection from haram. Dua 1 asks to be saved from haram income and from looking to people for needs.
- Strength to keep working. Dua 2 removes weakness and laziness from the one who recites it with intention.
- Hope in settlement. Even a mountain of debt can be settled by Allah for the sincere servant.
- Reward for the act of dua. Allah gives what was asked, removes an equal harm, or saves the reward for the hereafter.
Disclaimer: This page on Karz Utarne Ki Dua is shared for general Islamic information only. Dua is not a replacement for halal earning, repaying on time or advice from a qualified scholar or financial expert. Please confirm any religious ruling with a trusted scholar. Allah knows best.
The Seriousness of Debt in Islam
The Prophet (peace be upon him) said the soul of a believer stays attached to his debt until it is paid (Jami at Tirmidhi, Hadith 1078). He also said that a martyr is forgiven everything except debt (Sahih Muslim, Hadith 1886). For this reason Muslims treat clearing debt as urgent, and heirs should settle a deceased person’s debt from his estate.
Islam does not leave the borrower alone. Zakat can be given to those weighed down by debt (Surah At Tawbah 9:60).
Read Also: Humbistari Ki Dua
Conclusion
Karz Utarne Ki Dua reminds us to seek Allah’s help with sincere faith, halal income, and a firm intention to repay debts. Recite the authentic supplications regularly and combine them with honest efforts, istighfar, and responsible financial habits.
May Allah ease everyone’s financial difficulties, clear their debts, and bless them with halal rizq and peace of heart. Ameen.
FAQs About Karz Utarne Ki Dua
What is the most reported Karz Utarne Ki Dua?
“Allahumma ikfini bihalalika ‘an haramika wa aghnini bifadlika ‘amman siwak.” Imam Tirmidhi recorded it from Ali (may Allah be pleased with him).
Is there a Karz Utarne Ki Dua in Hindi and Urdu?
The dua is recited in Arabic. The Hindi and Urdu versions are translations of its meaning. After the Arabic, you may ask Allah in any language.
How many times should I read it?
No fixed number is established. Recite it regularly, after salah and at night.
Can I read the dua in English only?
Recite the dua in Arabic as the Prophet (peace be upon him) taught it. You may add your own request in English afterward.
Does the dua work if I do not earn?
Dua goes together with effort. Seek halal work, spend carefully and keep the intention to repay.
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