In the name of Allah the Beneficent the Merciful. O Allah! Make me self-sufficient by permitted things from prohibited ones and by Your grace from all possessing power

 

Debt Settlement Dua from Baqeyatus Salehat (Margins of Mafatih)

 Prayer for Help in Settlement of Debts

Twenty-fifth: Sayyid `Al� ibn Fa�lull�h al-�usayn� al-R�wand� has mentioned the following incident in his book entitled Nathr al-La'�l�:

When a man complained to Prophet Jesus the son of Mary, peace be upon them, about the debts, Prophet Jesus (`a) taught him to say this prayer, adding, �If your debts are filling the globe, Almighty Allah will certainly help you to settle them after you say this prayer constantly.�

 

Foreword

Salaamun Alaikum,

Troubles and calamities are a part of everyone�s life, however these serve as a motivation to the faithful believers to achieve the nearness of Allah (s.w.t.). This compilation of prayers and supplications is indeed a wonderful treasure of Ahlulbait AS which will Inshallah help mo�mineen resolve their financial worries as well as numerous other troubles, while earning them the nearness of Allah (s.w.t.) in this world as well as the hereafter. �Dua is the weapon of the faithful� as is narrated by the Holy Prophet (s.a.w.a.).

For someone who seeks to resolve their problems through prayers it is important to note that if one remains involved in some form of prohibited (haram) acts and these delay or prevent them getting the required results then they should try to give up such sins however small they may be. Many acts committed out of unwariness; especially encroaching upon the rights of others (huqooqun naas); do tend to form barriers blocking the acceptance of one�s prayers.

اِنَّمَا يَتَقَبَّلُ اللہُ مِنَ الْمُتَّقِيْنَ۝۲۷

Allah only accepts the prayers of the pious.[1]

For this very reason many a times it is only istegfar (repentance) that solves all financial and other worries of the believers. Imam Ali (a.s.) was asked regarding solutions to debts and to other worldly problems and to all he replied with recommendations of istegfar.

Each and every aamaal presented in this book has been taken from reliable source books whose references are mentioned. Certain small duas are left un-translated since it is easy for the readers to access the translations from other sources. Transliteration has been purposefully avoided since anyone who wishes to benefit from these aamaal should surely make the small effort to read basic Arabic.

To quote Agha Muhammad Ibrahim Nasrullah Burujardi; the one who originally compiled these aamaal in a Farsi (Persian) book form.� Every lock has a key, every ailment has its medicine and every problem has a solution� and �dua is the weapon as well as the shield of the believer�.We pray that all of us are inspired to resolve our troubles and worries through the path of prayers and duas.

Maulana Muhammad Abbas Vaziri has done an accurate translation of the book from Persian to Urdu and it was the Urdu version that served as the basis for this English translation. Maulana Vaziri also patiently explained the details of many of the given supplications and rituals which have considerably improved this final work. May Allah (s.w.t.) grant him great reward for his efforts and guidance. Maulana Vaziri may be contacted on mabbaswaziri14@gmail.com for details regarding the Urdu version. Special thanks to Maulana Najaf Ali Rizvi for presenting the original Persian book to us and for all his help in obtaining permission for the publishing of this translation.

No translation can fully convey the emotion and spirituality of the original Arabic verses and duas however I have made a sincere effort to do my best. It would be a great help if readers can revert with their comments and suggestions which may be incorporated in future editions of the book.

May Allah grant us piety and nearness of Ahlulbait AS in this Duniya and in Aakherat. 

Mohammed Parvez Husainali Merchant

parvezhm@hotmail.com

 

 

1) Method of aamal given by Hazrat Imam Mohammed Baqir (a.s.)

Hazrat Imam Mohammed Baqir (a.s.) said,

�Once a man came to the Holy Prophet (s.a.w.a.) and said: �O Prophet of Allah! My family is large and I have incurred a heavy debt. My situation is extremely severe due to which I am troubled. Teach me a supplication due to which my debt gets paid and my household expenses get fulfilled too�. The Messenger of Allah (s.a.w.a.) said: O servant of Allah, make wuzu in the correct way and recite 2 rakats of Namaz whose ruku and sujood are complete. After the namaz say:

يَا مَاجِدُ يَا وَاحِدُ يَا كَرِيْمُ اَتَوَجَّهُ اِلَيْكَ بِمُحَمَّدٍ نَبِيِّكَ نَبِيِّ الرَّحْمَةِ يَا مُحَمَّدُ يَا رَسُوْلَ اللهِ اِنِّيْ اَتَوَجَّهُ بِكَ اِلَى اللهِ رَبِّكَ وَ رَبِّيْ كُلِّ شَيْ‏ءٍ اَنْ تُصَلِّيَ عَلٰى مُحَمَّدٍ وَ عَلٰي اَهْلِ بَيْتِهٖ وَ اَسْاَلُكَ نَفْحَةً مِنْ نَفَحَاتِكَ وَ فَتْحًا يَسِيْرًا وَ رِزْقًا وَاسِعًا اَلُمُّ بِهٖ شَعْثِيْ وَ اَقْضِيْ بِهٖ دَيْنِيْ وَ اَسْتَعِيْنُ بِهٖ عَلٰى عِيَالِيْ.

So that Allah may grant you sustenance.[2]

2) Letter of Ismail ibn Sahl to Imam Mohammed Baqir (a.s.)

Ismail ibn Sahl said, �I wrote a letter to Hazrat Imam Mohammed Baqir (a.s.); whose contents were this - Aqua I am caught in a back breaking debt, what should I do? Hazrat (a.s.) gave a written reply

�Do plenty of Istegfar and repeatedly keep reciting Surah Qadr as much as possible[3]

بِسْمِ اللہِ الرَّحْمٰنِ الرَّحِيْمِ .

اِنَّآ اَنْزَلْنٰہُ فِيْ لَيْلَۃِ الْقَدْرِ۝۱ۚۖ وَمَآ اَدْرٰىكَ مَا لَيْلَۃُ الْقَدْرِ۝۲ۭ لَيْلَۃُ الْقَدْرِ۝۰ۥۙ خَيْرٌ مِّنْ اَلْفِ شَہْرٍ۝۳ۭؔ تَنَزَّلُ الْمَلَاۗىِٕكَۃُ وَالرُّوْحُ فِيْہَا بِـاِذْنِ رَبِّہِمْ مِنْ كُلِّ اَمْرٍ۝۴ۙۛ سَلٰمٌ۝۰ۣۛ ہِيَ حَتّٰى مَطْلَــعِ الْفَجْرِ۝۵ۧ

3) Request of Abu Amre Hazza to Imam Mohammed Baqir (a.s.)

My situation was very critical so I wrote to Imam Mohammed Baqir (a.s.) requesting guidance and help. Imam (a.s.) replied

�Recite Surah-e-Nuh frequently�.

I kept reciting Surah-e-Nuh repeatedly for a year but obtained no result so I wrote to Hazrat again mentioning my severe state saying �Aqua I complied with your order for a year but my situation is still the same as before.� Hazrat (a.s.) replied

�Yes, for a year you have done what I advised, now start reciting Surah-e-Qadr repeatedly��

�I began doing that as ordered. Little time had passed when I was called by Abi Dawood who repaid my entire debt, gave me a lot of money and made me his representative in Basra sending me there with 500 dirhams.

I later sent a letter to Abul Hasan Imam Jafar-e-Sadiq (a.s.) through Ali ibn Mahziyar �I had requested something of your eminent Father�, Now I desire to know as to how I should continue with the recitation of Surah-e-Inna Anzalna (Surah Qadr). Should I now just recite it in the obligatory Namaz or apart from that as well; and to what extent?� A written reply arrived from Hazrat where he mentioned,

�Recite Quraan as much as you can and recite Surah-e-Inna Anzalna 100 times during the day and night.�[4]

4) Namaz of debt repayment from Marhum Tabrisi

Marhum Hasan Ibn Fazl Tabrisi mentions in Makarimul Akhlaaq about a namaz for debt repayment.

4 rakats of Namaz in 2 units of 2 rakats.

In the first unit:

In the 1st rakat recite Surah-e-Hamd and then Surah-e-Falaq 10 times.

In the 2nd rakat after Surah-e-Hamd recite Surah-e-Kafiroon 10 times, Ayatal Kursi 10 times and Ayah-e-Aamanar Rasool (Surah-e-Baqarah, Verses 285-286) 10 times

اٰمَنَ الرَّسُوْلُ بِمَآ اُنْزِلَ اِلَيْہِ مِنْ رَّبِّہٖ وَالْمُؤْمِنُوْنَ۝۰ۭ كُلٌّ اٰمَنَ بِاللہِ وَمَلَاۗىِٕكَتِہٖ وَكُتُبِہٖ وَرُسُلِہٖ۝۰ۣ لَا نُفَرِّقُ بَيْنَ اَحَدٍ مِّنْ رُّسُلِہٖ۝۰ۣ وَقَالُوْا سَمِعْنَا وَاَطَعْنَا۝۰ۤۡ غُفْرَانَكَ رَبَّنَا وَاِلَيْكَ الْمَصِيْرُ۝۲۸۵ لَا يُكَلِّفُ اللہُ نَفْسًا اِلَّا وُسْعَہَا۝۰ۭ لَہَا مَا كَسَبَتْ وَعَلَيْہَا مَااكْتَسَبَتْ۝۰ۭ رَبَّنَا لَا تُؤَاخِذْنَآ اِنْ نَّسِيْنَآ اَوْ اَخْطَاْنَا۝۰ۚ رَبَّنَا وَلَا تَحْمِلْ عَلَيْنَآ اِصْرًا كَـمَا حَمَلْتَہٗ عَلَي الَّذِيْنَ مِنْ قَبْلِنَا۝۰ۚ رَبَّنَا وَلَا تُحَمِّلْنَا مَا لَا طَاقَۃَ لَنَا بِہٖ۝۰ۚ وَاعْفُ عَنَّا۝۰۪ وَاغْفِرْ لَنَا۝۰۪ وَارْحَمْنَا۝۰۪ اَنْتَ مَوْلٰىنَا فَانْصُرْنَا عَلَي الْقَوْمِ الْكٰفِرِيْنَ۝۲۸۶ۧ

After salaam recite this dua 10 times:

سُبْحَانَ اللهِ اَبَدَ الْاَبَدِ سُبْحَانَ اللهِ الْوَاحِدِ الْاَحَدِ سُبْحَانَ اللهِ الْفَرْدِ الصَّمَدِ سُبْحَانَ اللَّهِ الَّذِي رَفَعَ السَّمَاوَاتِ بِغَيْرِ عَمَدٍ الْمُتَفَرِّدِ بِلَا صَاحِبَةٍ وَ لَا وَلَدٍ

In the second unit:

In the 1st rakat recite Surah-e-Hamd and then Surah-e-Takathur (Surah No. 102) 3 times.

In the 2nd rakat after Surah-e-Hamd recite Surah-e-Qadr 3 times and Surah-e-Zilzaal (Surah No. 99) 3 times

After the salaam go into Sajdah and recite this dua 7 times

اَللّٰهُمَّ اِنِّيْ اَسْاَلُكَ التَّيْسِيْرَ فِيْ كُلِّ عَسِيْرٍ فَاِنَّ تَيْسِيْرَ الْعَسِيْرِ عَلَيْكَ يَسِيْرٌ

Then raise your head from Sajdah and recite 10 times:

فَلِلّٰہِ الْحَمْدُ رَبِّ السَّمٰوٰتِ وَرَبِّ الْاَرْضِ رَبِّ الْعٰلَمِيْنَ۝۳۶ وَلَہُ الْكِبْرِيَاءُ فِيْ السَّمٰوٰتِ وَالْاَرْضِ۝۰۠ وَہُوَالْعَزِيْزُ الْحَـكِيْمُ۝۳۷ۧ

5) Another Namaz for repayment of debt

In Marhum Tabrisi�s book Makarimul Akhlaaq there is another four rakat namaz for debt repayment in 2 units of 2 rakats.

In first unit

In the 1st rakat after Surah-e-Hamd recite Surah-e-Falaq, 10 times.

In 2nd rakat after Surah-e-Hamd, recite Surah-e-Kafiroon 10 times, Ayatul Kursi 10 times and Ayah-e-Aamanar Rasool 10 times.

After the Namaz recite the same dua in the same manner as mentioned in earlier Namaz. (In no. 4) but this time recite it in Sajdah and only once.

In second unit

In 1st rakat after Surah-e-Hamd recite Surah-e-Takathur 3 times.

In 2nd rakat after Surah-e-Hamd recite Surah-e-Qadr thrice and 3 times Surah-e-Zilzaal and after Salaam go into Sajdah and recite dua 7 times as mentioned in earlier Namaz. Then raise your head and recite 10 times as is mentioned earlier. (In no. 4)

6) The reply of Imam Jafar-e-Sadiq (a.s.) to Buraid-e-Ijli

Shaikh Mufeed (r.a.) mentions in Al-Ikhtesaas:

Buraid-e-Ijli�s son Qasim has narrated from his father that Buraid-e-Ijli went in the presence of Imam Jafar-e-Sadiq (a.s.) and said: �May I be sacrificed for you, my financial situation was good earlier but now I am perplexed and worried as it has deteriorated and everything has changed�. Imam (a.s.) replied,

�When you reach Kufa, somehow obtain 10 dirhams. If you are unable to obtain the money then sell off a reclining cushion from your house for 10 dirhams and invite 10 people from among your friends to your home for dinner. After the meal ask them to make dua for you.�

I reached Kufa and being unable to obtain 10 dirhams I sold off a cushion from home and invited 10 people to dinner. After the meal they prayed for me. Only a short time had lapsed when the world of prosperity came rushing towards me.

7) Even if your debt is equal to a mountain of gold��.

Shaikh Saduq (r.a.) mentions in Al-Amaali:

Jabir ibn Abdullah-e-Ansari narrates from Imam Mohammed Baqir (a.s.) who narrates from his father who in turn narrates from his father who quotes Hazat Amirul Moomineen (a.s.). who mentions that he spoke to Hazrat Rasoolullah (s.a.w.a.) regarding the matter of a debt upon himself. Hazrat said,

�O Ali! Recite

اَللّٰهُمَّ اَغْنِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ بِفَضْلِكَ عَمَّنْ سِوَاكَ

�.if your debt is equal to Subair (A mountain in Yemen) it will get repaid.

8) A request to Hazrat Imam Reza (a.s.) regarding debt and the reply of Hazrat (a.s.)

This riwayat (narration) has been written in Fiqh ur-Reza, that a man presented the matter relating to his debt in the presence of Imam Reza (a.s.). Hazrat (a.s.) told him to recite Namaz often and when that becomes strenuous then he should recite this dua;

اَللّٰهُمَّ اَغْنِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ اَغْنِنِيْ بِفَضْلِكَ عَنْ فَضْلِ مَنْ سِوَاكَ

And in another narration it has been mentioned in this way�that Hazrat (a.s.) mentioned;

Do frequent Istigfar and keep Surah-e-Inna Anzalna (Surah-e-Qadr)... fresh and moist on your tongue (meaning recite it regularly).

9) Creditors are always pursuing me

Marhum Tabrisi writes in Makaarem al-Akhlaaq that Hasan ibn Khalid said �I was caught up in a very large debt of 300000 dirhams and besides that, there was another debt of 400000 dirhams upon me. My creditors had made life extremely difficult for me and were not even allowing me the freedom to work towards its repayment.

In the Hajj season I discreetly left Baghdad with the intention of meeting Maula Abul Hasan Imam Ali (a.s.) but regretfully I couldn�t meet Maula. I wrote and sent a letter to Maula mentioning in detail exactly what I was undergoing. Hazrat wrote back to me in his reply� After every obligatory namaz,recite this dua 3 times

اَللّٰهُمَّ اِنِّيْ اَسْاَلُكَ يَا لَا اِلٰهَ اِلَّا اَنْتَ بِحَقِّ لَا اِلٰهَ اِلَّا اَنْتَ اَنْ تَرْحَمَنِيْ بِلَا اِلٰهَ اِلَّا اَنْتَ اَللّٰهُمَّ اِنِّيْ اَسْاَلُكَ يَا لَا اِلٰهَ اِلَّا اَنْتَ بِحَقِّ لَا اِلٰهَ اِلَّا اَنْتَ اَنْ تَرْضَى عَنِّيْ بِلَا اِلٰهَ اِلَّا اَنْتَ اَللّٰهُمَّ اِنِّيْ اَسْاَلُكَ يَا لَا اِلٰهَ اِلَّا اَنْتَ بِحَقِّ لَا اِلٰهَ اِلَّا اَنْتَ اَنْ تَغْفِرَ لِيْ بِلَا اِلٰهَ اِلَّا اَنْتَ

Hasan ibn Khalid says that he did as was instructed and within 4 months all his debts were paid off and after that he still had 100000 dirhams left over extra.

10) Two Mustajab (certain to be accepted) duas mentioned by Imam Jafar-e-Sadiq (a.s.)

Janabe Ibrahime Kafami in his book Junnah narrates from Imam Jafar-e-Sadiq (a.s.) that Hazrat mentioned

No Prophet has walked this earth who hasn�t left a Mustajab dua for his household and our Holy Prophet (s.a.w.a.) has left for us 2 Mustajab duas. One of these is a dua to be recited during times of troubles and hardships which is

يَا دَائِمًا لَمْ يَزَلْ اِلٰهِيْ وَ اِلٰهَ آبَائِيْ يَا حَيُّ يَا قَيُّوْمُ صَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ افْعَلْ بِيْ (كَذَا وَ كَذَا)*

*�..mention your desires

and the other is a dua for the repayment of debt; which is this

يَا مَنْ يَكْفِيْ مِنْ كُلِّ شَيْ‏ءٍ وَ لَا يَكْفِيْ مِنْهُ شَيْ‏ءٌ يَا رَبِّ صَلِّ عَلٰى مُحَمَّدٍ وَ آلِهٖ وَ اقْضِ عَنِّي الدَّيْنَ وَ افْعَلْ بِيْ (كَذَا وَ كَذَا)*

*�..mention your desires

11) Debt repayment dua of Hazrat Isa (a.s.)

Ali ibn Fazlullahe Husaini-e-Rawandi�s book Nasre Loali mentions that a person spoke to Prophet Hazrat Isa (a.s.) regarding his debt. Hazrat Isa Nabi (a.s.) said

Recite this dua. Even if your debt is as great as all the gold in the world, Allah (s.w.t.) will still shower his favour on you and repay your debt.

اَللّٰہُمَّ یَا فَارِجَ الْہَمِّ وَ یَا مُنَفِّسَ  الْغَمِّ وَ مُذْہِبَ الْاَحْزَانِ وَ مُجِیْبَ دَعْوَۃِ الْمُضْطَرِّیْنَ وَ رَحْمٰنَ الْدُّنْیَا وَ الْآخِرَۃِ وَ رَحِیْمَہُمَا اَنْتَ رَحْمَانِیْ وَ رَحْمٰنُ كُلِّ شَیْءٍ فَارْحَمْنِیْ رَحْمَۃً تُغْنِیْنِیْ بِہَا عَنْ رَحْمَۃِ مَنْ سِوَاكَ وَ تَقْضِیْ بِہَا عَنِّیْ الدَّیْنَ.

12) Qudsi dua for the repayment of debt

In Adiyyatus Sirr it has been written through authentic narration from the Holy Prophet (s.a.w.a.) that Hazrat (s.a.w.a.) mentioned,

On the night of Ascension (Meraaj) Allah Taala told me � O Mohammed! Whenever anyone from your ummat (followers) is surrounded by the afflictions of debt, they should turn towards me and say

يَا مُبْتَلِيَ الْفَرِيْقَيْنِ اَهْلِ الْفَقْرِ وَ اَهْلِ الْغِنٰى وَ جَازِيَهُمْ بِالصَّبْرِ فِيْ الَّذِي ابْتَلَاهُمْ بِهٖ وَ يَا مُزَيِّنَ حُبِّ الْمَالِ عِنْدَ عِبَادِهٖ وَ مُلْهِمَ الْاَنْفُسِ الشُّحَّ وَ السَّخَا وَ فَاطِرَ الْخَلْقِ عَلَى الْفَظَاظَةِ وَ اللِّيْنِ غَمَّنِيْ دَيْنُ (فُلَانِ بْنِ فُلَانٍ)[5] وَ فَضَحَنِيْ بِمَنِّهٖ عَلَيَّ بِهٖ وَ اَعْيَانِيْ بَابُ طَلِبَتِهٖ اِلَّا مِنْكَ يَا خَيْرَ مَطْلُوْبٍ اِلَيْهِ الْحَوَائِجُ يَا مُفَرِّجَ الْاَهَاوِيْلِ فَرِّجْ هَمِّي وَ اَهَاوِيْلِيْ فِيْ الَّذِيْ لَزِمَنِيْ مِنْ دَيْنِ (فُلَانٍ)[6] بِتَيْسِيْرِكَهٗ لِيْ مِنْ رِزْقِكَ فَاقْضِهٖ يَا قَدِيْرُ وَ لَا تَهُمَّنِيْ بِتَاْخِيْرِ اَدَائِهٖ وَ لَا بِتَضْيِيْقِهٖ عَلَيَّ وَ يَسِّرْ لِيْ اَدَائَهٗ فَاِنِّيْ بِهٖ مُسْتَرَقٌّ فَافْكُكْ رِقِّيْ مِنْ سَعَتِكَ الَّتِيْ لَا تَبِيْدُ وَ لَا تَغِيْضُ اَبَدًا

O He who tests the poor as well as the rich through trials and tribulation and rewards those from among them who remain firm with patience. O He who has deemed worldly wealth attractive to his subjects and has inspired the generous as well as the miserly with it and He involves his creatures in ease as well as hardships. The debt that I owe to �.(name of creditor)� has put me in difficulties and my inability to satisfy the demand of its payment is causing me humiliation. I seek help from you for the repayment of this debt. O He who is beseeched by all for the fulfillment of their desires and who grants ease in difficulties, please relieve me from these difficulties that are caused by the debt of (�name of creditor�) and O Qadeer (All Powerful) repay this debt of mine from your treasures and grant me relief from the worries caused due to the delay in its repayment. Release me from the grip of this financial crisis and make the repayment of my debt easy for me. Grant me relief from these difficulties that are upon me through your endless blessings.

When anyone will supplicate to me with this dua, I will turn back the creditors from that debt ridden person and will repay their debt on their behalf.

13) Ayaa-e-Mulk for Repayment of Debt

Janabe Qutb-e-Rawandi in his book Lubbul Lubaab quotes from Ma�ad ibn Jabal who mentioned that the Holy Prophet (s.a.w.a.) taught him these Aayat (Aaya-e-Mulk from Surah-e-aale Imraan) and stated that

�Any Muslim who invokes Allah (s.w.t.) through these verses, Allah (s.w.t.) will dispel his sorrows and troubles and repay his debts;

قُلِ اللّٰہُمَّ مٰلِكَ الْمُلْكِ تُؤْتِي الْمُلْكَ مَنْ تَشَاۗءُ وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاۗءُ۝۰ۡوَتُعِزُّ مَنْ تَشَاۗءُ وَتُذِلُّ مَنْ تَشَاۗءُ۝۰ۭ بِيَدِكَ الْخَيْرُ۝۰ۭ اِنَّكَ عَلٰي كُلِّ شَيْءٍ قَدِيْرٌ۝۲۶ تُوْلِجُ الَّيْلَ فِي النَّہَارِ وَتُوْلِجُ النَّہَارَ فِي الَّيْلِ۝۰ۡوَتُخْرِجُ الْـحَيَّ مِنَ الْمَيِّتِ وَتُخْرِجُ الْمَيِّتَ مِنَ الْحَيِّ۝۰ۡوَتَرْزُقُ مَنْ تَشَاۗءُ بِغَيْرِ حِسَابٍ۝۲۷

and after reciting Aaya e Mulk this dua should also be recited.

يَا رَحْمٰنَ الدُّنْيَا وَ الْآخِرَةِ وَ رَحِيْمَهُمَا تُعْطِيْ مِنْهُمَا مَا تَشَآءُ وَ تَمْنَعُ مِنْهُمَا مَا تَشَآءُ اِقْضِ عَنِّيْ دَيْنِيْ وَ فَرِّجْ هَمِّيْ.

Hazrat (a.s.) said

If his debt is as much as all the gold on earth even then Allah (s.w.t.) will repay the same through his Munificence.

14) Surah-e-Talaq and Surah-e-Aadiyat for debt repayment

Sayyid Hibbatullah-e-Rawandi writes in Majmu�ur Raiq fi Khawasil Quraan that if one recites Surah-e-Talaq on a sick person that person will become well. Then after mentioning other specialities of the Surah he further writes that through this Surah-e-Mubarak the loan of a debt ridden person will also be repaid. It is also written that if a person who is scared recites Surah-e-Aadiyat then his fears will get dispelled. A debt ridden person reciting it will become liberated from debts.

Shaheed Rehmatullah alaih in his book Al Majmuah has copied a tradition of Hazrat Imam Jafar-e-Sadiq (a.s.) that

Whosoever recites this Surah regularly, his debt will be repaid through such sources which he would never have possibly expected.

15) The companion of the Holy Prophet (s.a.w.a.) and the burden of debt

Maad Ibn Jabal mentions that once due to compulsion he was forced to remain at home on a Friday and could not join the Holy Prophet for the congregational prayers. Hazrat Rasulallah (s.a.w.a.) asked him as to what prevented him from attending the Jumah prayers. Maad replied, �O Prophet of Allah! I owe a debt of a few ounces of wheat to Yohannah the Jew. I was certain that if I leave home then Yohannah will intercept me on the street and demand repayment.� The Holy Prophet (s.a.w.a.) said: �O Maad do you want that Allah (s.w.t.) repays your debt?� I replied: �Why not O Prophet of Allah!� He stated ��Recite,

قُلِ اللّٰہُمَّ مٰلِكَ الْمُلْكِ تُؤْتِي الْمُلْكَ مَنْ تَشَاۗءُ وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاۗءُ۝۰ۡوَتُعِزُّ مَنْ تَشَاۗءُ وَتُذِلُّ مَنْ تَشَاۗءُ۝۰ۭ بِيَدِكَ الْخَيْرُ۝۰ۭ اِنَّكَ عَلٰي كُلِّ شَيْءٍ قَدِيْرٌ۝۲۶ تُوْلِجُ الَّيْلَ فِي النَّہَارِ وَتُوْلِجُ النَّہَارَ فِي الَّيْلِ۝۰ۡوَتُخْرِجُ الْـحَيَّ مِنَ الْمَيِّتِ وَتُخْرِجُ الْمَيِّتَ مِنَ الْحَيِّ۝۰ۡوَتَرْزُقُ مَنْ تَشَاۗءُ بِغَيْرِ حِسَابٍ۝۲۷

and then recite this dua,

يَا رَحْمٰنَ الدُّنْيَا وَ الْآخِرَةِ وَ رَحِيْمَهُمَا تُعْطِيْ مِنْهُمَا مَا تَشَآءُ وَ تَمْنَعُ مِنْهُمَا مَا تَشَآءُ صَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اقْضِ عَنِّيْ دَيْنِيْ يَا كَرِيْمُ.

16) Namaz for repayment of debt

Janabe Kafami (r.a.) in his book Baladul Amin wad dirr ul Haseen has written that the debt ridden should recite a 2 rakat Namaz. After Surah Al Hamd he can recite any Surah and after the Namaz he should recite Aayat-e-Mulk until �.beghaire hisab; and then recite this dua,

يَا رَحْمٰنَ الدُّنْيَا وَ الْآخِرَةِ وَ رَحِيْمَهُمَا تُعْطِيْ مِنْهُمَا مَا تَشَآءُ وَ تَمْنَعُ مِنْهُمَا مَا تَشَآءُ صَلِّ عَلٰى مُحَمَّدٍ وَ آلِهٖ وَ اقْضِ عَنِّيْ دَيْنِيْ.

17) Dua for debt repayment

It has been narrated that this dua should be recited on the day of Jumah. There is another narration for reciting this dua on any day of the week as well

اَللّٰهُمَّ اَغْنِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ اَغْنِنِيْ بِفَضْلِكَ عَمَّنْ سِوَاكَ يَا حَيُّ يَا قَيُّوْمُ.

18) Another dua for debt repayment

Recite this dua repeatedly while invoking Allah (s.w.t.) passionately

يَا ذَا الْجَلَالِ وَ الْاِكْرَامِ بِحُرْمَةِ وَجْهِكَ الْكَرِيْمِ اقْضِ عَنِّيْ دَيْنِيْ.

19) One more dua for debt repayment

This dua should be recited 10 times every morning and evening

تَوَكَّلْتُ عَلَي الْـحَيِّ الَّذِيْ لَا يَمُوْتُ وَ الْحَمْدُ لِلہِ الَّذِيْ لَمْ يَتَّخِذْ وَلَدًا وَّلَمْ يَكُنْ لَّہٗ شَرِيْكٌ فِيْ الْمُلْكِ وَلَمْ يَكُنْ لَّہٗ وَلِيٌّ مِّنَ الذُّلِّ وَكَبِّرْہُ تَكْبِيْرًا

Janabe Kafami (r.a.) in his book Al Farajo Ba�adash Shiddah has copied from Ibn Abi Duniya that the Holy Prophet (s.a.w.a.) on seeing the color drained from the face of one of his companion asked �What is the cause of your distress?� He replied, �The cause is poverty and neediness O Prophet of Allah.� Hazrat stated:

Recite this zikr after every obligatory prayer

تَوَكَّلْتُ عَلَي الْـحَيِّ الَّذِيْ لَا يَمُوْتُ وَ الْحَمْدُ لِلہِ الَّذِيْ لَمْ يَتَّخِذْ وَلَدًا وَّلَمْ يَكُنْ لَّہٗ شَرِيْكٌ فِيْ الْمُلْكِ وَلَمْ يَكُنْ لَّہٗ وَلِيٌّ مِّنَ الذُّلِّ وَكَبِّرْہُ تَكْبِيْرًا

Moreover it has been narrated from the Holy Prophet (s.a.w.a.) that He mentioned,

Whenever I am confronted with any unpleasant and troublesome issue then Hazrat-e-Jibreel descends from heaven and asks me to recite this zikr.

Janabe Kulaini and others have copied many narrations related to this zikr. This zikr-e-shareef is highly effective for cleansing the heart of doubts, for repayment of debts and for increase in sustenance. In these narrations there is an additional word �sahebatan� after �lam yat takhiz� and in many narrations there is no restriction to reciting this zikr only after obligatory prayer. It is extremely beneficial when recited at any time.

20) Dua for increase in sustenance

For increase in rizq (sustenance) this zikr may be recited 10 times after Namaze Subh

سُبْحَانَ اللهِ الْعَظِيْمِ وَ بِحَمْدِهٖ اَسْتَغْفِرُ اللهَ وَ اَتُوْبُ اِلَيْهِ وَ اَسْاَلُهٗ مِنْ فَضْلِهٖ.

21) Another dua for increase in sustenance

This dua may be recited after Namaze Isha for increase in sustenance

اَللّٰهُمَّ اِنَّهٗ لَيْسَ لِیْ عِلْمٌ بِمَوْضِعِ رِزْقِیْ وَ اِنَّمَا اَطْلُبُهٗ بِخَطَرَاتٍ تَخْطُرُ عَلٰی قَلْبِیْ فَاَجُوْلُ فِیْ طَلَبِهِ الْبُلْدَانَ فَاَنَا فِيْمَا اَنَا طَالِبٌ كَالْحَيْرَانِ لَا اَدْرِیْ اَفِیْ سَهْلٍ هُوَ اَمْ فِیْ جَبَلٍ اَمْ فِیْ اَرْضٍ اَمْ فِیْ سَمَآءٍ اَمْ فِیْ بَرٍّ اَمْ فِیْ بَحْرٍ وَ عَلٰی يَدَیْ مَنْ وَ مِنْ قِبَلِ مَنْ وَ قَدْ عَلِمْتُ اَنَّ عِلْمَهٗ عِنْدَكَ وَ اَسْبَابَهٗ بِيَدِكَ وَ اَنْتَ الَّذِیْ تَقْسِمُهٗ بِلُطْفِكَ وَ تُسَبِّبُهٗ بِرَحْمَتِكَ اَللّٰهُمَّ فَصَلِّ عَلٰی مُحَمَّدٍ وَ اٰلِهٖ وَ اجْعَلْ يَا رَبِّ رِزْقَكَ لِیْ وَاسِعًا وَ مَطْلَبَهٗ سَهْلًا وَ مَاخَذَهٗ قَرِيْبًا وَ لاَ تُعَنِّنِیْ بِطَلَبِ مَا لَمْ تُقَدِّرْ لِیْ فِيْهِ رِزْقًا فَاِنَّكَ غَنِىٌّ عَنْ عَذَابِیْ وَ اَنَا فَقِيْرٌ اِلٰی رَحْمَتِكَ فَصَلِّ عَلٰی مُحَمَّدٍ وَّ اٰلِهٖ وَ جُدْ عَلٰی عَبْدِكَ بِفَضْلِكَ اِنَّكَ ذُوْ فَضْلٍ عَظِيْمٍ.

O Allah! Verily, I lack acquaintance with the place of my sustenance; rather, I am seeking it owing to ideas that come upon my mind. I consequently wander in countries searching for it. By doing such, I am as confused as the confounded, since I do not know whether my sustenance lies in a plain, on a mountain, on the ground, in the air, on lands, in seas, at whose hands, or who the source of it is. I have full knowledge that You know all these, the causes of them are in Your Hands, and it is You Who distribute it out of Your compassion and cause it out of Your mercy. O Allah, please send blessings on Muhammad and his Household and make, O Lord, Your sustenance that is provided (by You) to me expansive, my seeking for it easy for me, and its source close to me. Please, do not fatigue me by seeking that which You have not decided for me to take, because You are certainly in no need for tormenting me while I am in full need for Your mercy. (Please) Send blessings upon Muhammad and his Household and confer liberally upon me, Your slave, out of Your graciousness. You are surely the Great Lord

22) Dua no. 30 from Sahifa-e-Sajjidiya for debt repayment

اَللّٰهُمَّ صَلِّ عَلٰى مُحَمَّدٍ وَ اٰلِهٖ وَ هَبْ لِىَ الْعَافِيَةَ مِنْ دَيْنٍ تُخْلِقُ بِهٖ وَجْهِىْ وَ يَحَارُ فِيْهِ ذِهْنِىْ وَ يَتَشَعَّبُ لَهٗ فِكْرِىْ وَ يَطُوْلُ بِمُمَارَسَتِهٖ شُغْلِىْ وَ اَعُوْذُبِكَ يَا رَبِّ مِنْ هَمِّ الدَّيْنِ وَ فِكْرِهٖ وَ شُغْلِ الدَّيْنِ وَ سَهَرِهٖ فَصَلِّ عَلٰى مُحَمَّدٍ وَ اٰلِهٖ وَ اَعِذْنِىْ مِنْهُ وَ اَسْتَجِيْرُ بِكَ يَا رَبِّ مِنْ ذِلَّتِهٖ فِىْ الْحَيٰوةِ وَ مِنْ تَبِعَتِهٖ بَعْدَ الْوَفَاةِ فَصَلِّ عَلٰى مُحَمَّدٍ وَّ اٰلِهٖ وَ اَجِرْنِىْ مِنْهُ بِوُسْعٍ فَاضِلٍ اَوْ كَفَافٍ وَاصِلٍ اَللّٰهُمَّ صَلِّ عَلٰى مُحَمَّدٍ وَ اٰلِهٖ وَاحْجُبْنِىْ عَنِ السَّرْفِ وَ الْاِزْدِيَادِ وَ قَوِّمْنِىْ بِالْبَذْلِ وَ الْاِقْتِصَادِ وَ عَلِّمْنِىْ حُسْنَ التَّقْدِيْرِ وَاقْبِضْنِىْ بِلُطْفِكَ عَنِ التَّبْذِيْرِ وَ اَجْرِ مِنْ اَسْبَابِ الْحَلَالِ اَرْزَاقِىْ وَ وَجِّهْ فِىْٓ اَبْوَابِ الْبِرِّ اِنْفَاقِىْ وَ ازْوِ عَنِّىْ مِنَ الْمَالِ مَا يُحْدِثُ لِىْ مَخِيْلَةً اَوْتَاَدِّيًا اِلٰى بَغْىٍ اَوْ مَا اَتَعَقَّبُ مِنْهُ طُغْيَانًا اَللّٰهُمَّ حَبِّبْ اِلَىَّ صُحْبَةَ الْفُقَرَآءِ وَ اَعِنِّىْ عَلٰى صُحْبَتِهِمْ بِحُسْنِ الصَّبْرِ وَمَا زَوَيْتَ عَنِّىْ مِنْ مَتَاعِ الدُّنْيَا الْفَانِيَةِ فَاذْخَرْهُ لِىْ فِىْ خَزَآئِنِكَ الْبَاقِيَةِ وَاجْعَلْ مَا خَوَّلْتَنِىْ مِنْ حُطَامِهَا وَ عَجَّلْتَ لِىْ مِنْ مَتَاعِهَا بُلْغَةً اِلٰى جِوَارِكَ وَ وُصْلَةً اِلٰى قُرْبِكَ وَ ذَرِيْعَةً اِلٰى جَنَّتِكَ اِنَّكَ ذُوْ الْفَضْلِ الْعَظِيْمِ وَ اَنْتَ الْجَوَادُ الْكَرِيْمُ.

O Allah, bless Muhammad and his Household and release me from a debt which makes me lose face, confuses my mind, disrupts my thinking, and prolongs my occupation with attending to it! I seek refuge in Thee, my Lord, from worry and thought about debt, from the distraction and sleeplessness of debt; so bless Muhammad and his Household and give me refuge from it! I seek sanctuary in Thee, my Lord, from debt�s abasement in life and its ill effects after death, so bless Muhammad and his Household and give me sanctuary from it through a bountiful plenty or a continually arriving sufficiency! O Allah, bless Muhammad and his Household and prevent me from extravagance and excess, put me on the course of generous spending and moderation, teach me excellent distribution, hold me back through Thy gentleness from squandering, allow me to attain my provisions through lawful means, direct my spending toward the gateways of devotion, and take away from me any possession which will bring forth pride in me, lead to insolence, or drag me in its heels to rebellion! O Allah, make me love the companionship of the poor and help me be their companion with excellent patience! Whenever Thou takest away from me the goods of this perishing world, store them for me in Thy abiding treasuries! Make this world�s broken pieces which Thou hast conferred upon me and its goods which Thou hast quickly granted to me, a way to reach Thy neighbourhood, a link to Thy nearness, and a means to Thy Garden! Verily Thou art Possessor of bounty abounding, and Thou art the Munificent, the Generous.

23) Istigfar taught by Hazrate Amirul Moomineen (a.s.)

It has been written by Allama Noorie in his book - Darus Salaam, that Hazrat Imam Reza (a.s.) mentions from the chain of his father and their fathers up to Hazrat Imam Husain (a.s.) who says �Once I was sitting with my esteemed father Ameerul Mo�mineen Ali (a.s.). An Arab arrived there and said: O Commander of the Faithful, my family is huge and I am poor. Whatever money I get does not fulfill my needs. Hazrat Ali (a.s.) replied:

O brother, why do you not do Istegfar (repentance).

He replied: I do so but still my situation remains unchanged. Hazrat Ameerul Mo�omineen (a.s.) said:

Allah the most high has mentioned in the Holy Quran

اَسْتَغْفِرُوْا رَبَّكُمْ۝۰ۭ اِنَّہٗ كَانَ غَفَّارًا۝۱۰ۙ يُّرْسِلِ السَّمَاۗءَ عَلَيْكُمْ مِّدْرَارًا۝۱۱ۙ وَّيُمْدِدْكُمْ بِاَمْوَالٍ وَّبَنِيْنَ وَيَجْعَلْ لَّكُمْ جَنّٰتٍ وَّيَجْعَلْ لَّكُمْ اَنْہٰرًا۝۱۲ۭ

�Ask forgiveness of your Lord, surely He is the most Forgiving:

He will send down upon you the cloud, pouring down abundance of rain:

And help you with wealth and sons, and make for you gardens, and make for you rivers.

The istegfar that you do is faulty and insufficient hence your supplications do not yield the desired result. You are unaware of many of your sins so you do not repent for them which are the reason why you do not achieve your objective. I will teach you an Istegfar which you should recite before sleeping so that Allah (s.w.t.) may affect an increase in your Rizq (sustenance).�

Then Hazrat (a.s.) gave him this dua�

بِسْمِ اللهِ الرَّحْمٰنِ الرَّحِیْمِ

(1) اَللّٰہُمَّ اِنِّيْ اُثْنِيْ عَلَيْكَ بِمَعُوْنَتِكَ عَلٰى مَا نِلْتُ بِهِ الثَّنَاءَ عَلَيْكَ وَ اُقِرُّ لَكَ عَلٰى نَفْسِيْ بِمَا اَنْتَ اَهْلُهٗ وَ الْمُسْتَوْجِبُ لَهٗ فِيْ قَدْرِ فَسَادِ نِيَّتِيْ وَ ضَعْفِ يَقِيْنِيْ اَللّٰہُمَّ نِعْمَ الْاِلٰهُ اَنْتَ وَ نِعْمَ الرَّبُّ اَنْتَ وَ بِئْسَ الْمَرْبُوْبُ اَنَا وَ نِعْمَ الْمَوْلٰى اَنْتَ وَ بِئْسَ الْعَبْدُ اَنَا وَ نِعْمَ الْمَالِكُ اَنْتَ وَ بِئْسَ الْمَمْلُوْكُ اَنَا فَكَمْ قَدْ اَذْنَبْتُ فَعَفَوْتَ عَنْ ذَنْبِيْ وَ كَمْ قَدْ اَجْرَمْتُ فَصَفَحْتَ عَنْ جُرْمِيْ وَ كَمْ قَدْ اَخْطَاْتُ فَلَمْ تُؤَاخِذْنِيْ وَ كَمْ قَدْ تَعَمَّدْتُ فَتَجَاوَزْتَ عَنِّيْ وَ كَمْ قَدْ عَثَرْتُ فَاَقَلْتَنِيْ عَثْرَتِيْ وَ لَمْ تَاْخُذْنِيْ عَلٰى غِرَّتِيْ فَاَنَا الظَّالِمُ لِنَفْسِيْ اَلْمُقِرُّ بِذَنْبِيْ اَلْمُعْتَرِفُ بِخَطِيْئَتِي فَيَا غَافِرَ الذُّنُوْبِ اَسْتَغْفِرُكَ لِذَنْبِيْ وَ اَسْتَقِيْلُكَ لِعَثْرَتِيْ فَاَحْسِنْ اِجَابَتِيْ فَاِنَّكَ اَهْلُ الْاِجَابَةِ وَ اَهْلُ التَّقْوٰى‏ وَ اَهْلُ الْمَغْفِرَةِ

1) O Allah I praise you because it is only through you guidance that I am inspired to praise you and I confess that although you and only you are worthy and deserving of all praise the quality of my praise is flawed just like my intent and weak faith. O my Lord you are a good lord and a good guardian and I am a bad subject. And you are my good master and I am your bad servant. You are my good owner and I am your bad servant. I committed numerous sins and you forgave them. I committed various crimes and you disregarded them. I kept repeating mistakes upon mistakes and you did not take me to account for them. I deliberately performed highly inappropriate deeds but you did not punish me for them. I stumbled and slipped on numerous occasions and you kept my condition hidden and did not hold me accountable for my waywardness and unwariness. I myself am the tyrant who inflicted injustice upon himself so I confess my sins and accept my slips and stumbles. O forgiver of sins, I ask forgiveness for my sins and request you to disregard my slips. Treat me with goodness as only you have the ability to treat with goodness. Only you are capable of saving and protecting me and only you are able to forgive my sins.

(2) اَللّٰہُمَّ اِنِّيْ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ قَوِيَ بَدَنِيْ عَلَيْهِ بِعَافِيَتِكَ اَوْ نَالَتْهُ قُدْرَتِيْ بِفَضْلِ نِعْمَتِكَ اَوْ بَسَطْتُ اِلَيْهِ يَدِيْ بِتَوْسِعَةِ رِزْقِكَ اَوِ احْتَجَبْتُ فِيْهِ مِنَ النَّاسِ بِسِتْرِكَ اَوِ اتَّكَلْتُ فِيْهِ عِنْدَ خَوْفِيْ مِنْهُ عَلٰى اَنَاتِكَ وَ وَثِقْتُ مِنْ سَطْوَتِكَ عَلَيَّ فِيْهِ بِحِلْمِكَ وَ عَوَّلْتُ فِيْهِ عَلٰى كَرَمِ عَفْوِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِهٖ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

2) O Allah I seek forgiveness for all sins the bodily strength to perform which was obtained purely due to health granted by you. Or the attainment of which was possible only due to the excessive bounties bestowed by you. Or I could extend my hand towards them solely due to the magnitude of sustenance given by you. Or which remained hidden from others only due to your having veiled them. Or when faced with your fear I took the support of your patience and when performing them I relied on your generous clemency to save myself from your awe and I relied on you generous leniency in doing them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

(3) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَدْعُوْ اِلٰى غَضَبِكَ اَوْ يُدْنِيْ مِنْ سَخَطِكَ اَوْ يَمِيْلُ بِيْ اِلٰى مَا نَهَيْتَنِيْ عَنْهُ اَوْ يَنْآنِيْ عَمَّا دَعَوْتَنِيْ اِلَيْهِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِهٖ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

3) O Allah and I seek forgiveness for all those sins that take me towards your anger or bring me nearer to your wrath and displeasure and from those sins that attract me to the things that you have forbidden and keep me away from those deeds that you have enjoined. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

(4) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اِسْتَمَلْتُ اِلَيْهِ اَحَدًا مِنْ خَلْقِكَ بِغَوَايَتِيْ اَوْ خَدَعْتُهٗ بِحِيْلَتِيْ فَعَلَّمْتُهٗ مِنْهُ مَا جَهِلَ وَ عَمَّيْتُ عَلَيْهِ مِنْهُ مَا عَلِمَ وَ لَقِيْتُكَ غَدًا بِاَوْزَارِيْ وَ اَوْزَارٍ مَعَ اَوْزَارِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِهٖ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

4) O Allah I seek forgiveness for all those sins for which I guided your other subjects towards them or deceived them through trickery or made them aware of those heinous acts of which they were yet unaware, or blinded them from those good acts which they were already aware of. I will certainly meet your soon on the day of judgment carrying the burden of many sins and apart from my own sins I will also be loaded with the burden of the sins of others. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (5) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَدْعُوْ اِلَى الْغَيِّ وَ يُضِلُّ عَنِ الرُّشْدِ وَ يُقِلُّ الرِّزْقَ وَ يَمْحُوْ الْبَرَكَةَ وَ يُخْمِلُ الذِّكْرَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

5) O Allah and grant me forgiveness for those sins that take believers towards wrong paths taking them away from the sensible paths of growth and perfection and cancel your bounties from them and drive them towards obscurity and oblivion. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (6) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اَتْعَبْتُ فِيْهِ جَوَارِحِيْ فِيْ لَيْلِيْ وَ نَهَارِيْ وَ قَدِ اسْتَتَرْتُ مِنْ عِبَادِكَ بِسِتْرِيْ وَ لَا سَتْرَ اِلَّا مَا سَتَرْتَنِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

6) O Allah I seek forgiveness for those sins in establishing which I exerted myself day and night while keeping them hidden from your subjects although there is no concealment possible except that which is concealed by You. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (7) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ رَصَدَنِيْ فِيْهِ اَعْدَائِيْ لِهَتْكِيْ فَصَرَفْتَ كَيْدَهُمْ عَنِّيْ وَ لَمْ تُعِنْهُمْ عَلٰى فَضِيْحَتِيْ كَاَنِّيْ لَكَ وَلِيٌّ فَنَصَرْتَنِيْ وَ اِلٰى مَتٰى يَا رَبِّ اَعْصِيْ فَتُمْهِلُنِيْ وَ طَالَمَا عَصَيْتُكَ فَلَمْ تُؤَاخِذْنِيْ وَ سَاَلْتُكَ عَلٰى سُوْءِ فِعْلِيْ فَاَعْطَيْتَنِيْ فَاَيُّ شُكْرٍ يَقُوْمُ عِنْدَكَ بِنِعْمَةٍ مِنْ نِعَمِكَ عَلَيَّ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

7) O Allah and I seek forgiveness for those sins for which my enemies were about to succeed in defaming me and it was You who protected me from their trickery and did not support them in the matter of my dishonor just as if I was a friend whom You would not forsake. Till when will I carry on your disobedience while you continue being lenient with me. Since long I have been going against your commands and you are not taking me to account for them. Despite this horrible attitude of mine, whenever I ask you for something you bestow it upon me. There is no expression of gratitude ever displayed by me that matches up to even a single of your countless bounties bestowed upon me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (8) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ قَدَّمْتُ اِلَيْكَ فِيْهِ تَوْبَتِيْ ثُمَّ وَاجَهْتُ بِتَكَرُّمِ قَسَمِيْ بِكَ وَ اَشْهَدْتُ عَلٰى نَفْسِيْ بِذٰلِكَ اَوْلِيَائَكَ مِنْ عِبَادِكَ اِنِّيْ غَيْرُ عَائِدٍ اِلٰى مَعْصِيَتِكَ فَلَمَّا قَصَدَنِيْ بِكَيْدِهِ الشَّيْطَانُ وَ مَالَ بِيْ اِلَيْهِ الْخِذْلَانُ وَ دَعَتْنِيْ نَفْسِيْ اِلَى الْعِصْيَانِ اِسْتَتَرْتُ حَيَاءً مِنْ عِبَادِكَ جُرْاَةً مِنِّيْ عَلَيْكَ وَ اَنَا اَعْلَمُ اَنَّهٗ لَا يُكِنُّنِيْ مِنْكَ سِتْرٌ وَ لَا بَابٌ وَ لَا يَحْجُبُ نَظَرَكَ اِلَيَّ حِجَابٌ فَخَالَفْتُكَ فِيْ الْمَعْصِيَةِ اِلٰى مَا نَهَيْتَنِيْ عَنْهُ ثُمَّ كَشَفْتُ السِّتْرَ عَنِّيْ وَ سَاوَيْتُ اَوْلِيَائَكَ كَاَنِّيْ لَمْ اَزَلْ لَكَ طَائِعًا وَ اِلٰى اَمْرِكَ مُسَارِعًا وَ مِنْ وَعِيْدِكَ فَازِعًا فَلَبَّسْتُ عَلٰى عِبَادِكَ وَ لَا يَعْرِفُ بِسِيْرَتِيْ غَيْرُكَ فَلَمْ تَسِمْنِيْ بِغَيْرِ سِمَتِهِمْ بَلْ اَسْبَغْتَ عَلَيَّ مِثْلَ نِعَمِهِمْ ثُمَّ فَضَّلْتَنِيْ فِيْ ذٰلِكَ عَلَيْهِمْ حَتّٰی كَاَنِّيْ عِنْدَكَ فِيْ دَرَجَتِهِمْ وَ مَا ذٰلِكَ اِلَّا بِحِلْمِكَ وَ فَضْلِ نِعْمَتِكَ فَلَكَ الْحَمْدُ مَوْلَايَ فَاَسْاَلُكَ يَا اَللهُ كَمَا سَتَرْتَهٗ عَلَيَّ فِيْ الدُّنْيَا اَنْ لَا تَفْضَحَنِيْ بِهٖ فِيْ الْقِيَامَةِ يَا اَرْحَمَ الرَّاحِمِيْنَ

8) O Allah I ask forgiveness for those sins for which I have already presented my regret and apologies to you with great promises and guarantees of never returning to those acts even making your pious infallibles witness to my oaths. But then �shaitaan� came to me with his deceit and my humiliation and defamation led me again towards those sins and my own self encouraged me to your disobedience. Although I kept myself concealed from your subjects due to shame yet I committed offences towards you while being aware that there exist no veils that can conceal anything from you nor can any barriers block your vision. I opposed you and did that which you had prohibited after which I exited the veils behind which I sinned and presented myself as your pious worshipper as if I have always been your obedient subject who eagerly rushes towards fulfilling your commands and fears forbidden acts and their promised punishment. I kept my personality vague in front of your servants so that no one except You had knowledge of my behavior, but even then you allowed the traits of your pious believers to remain visible in my personality, in fact you continued bestowing excessive bounties upon me just like them. Then in these bounties you granted me superiority upon them. It appeared as if my status was actually equal to their status before you. This was purely due to your patience and clemency and excellence and favor. O my lord only you are worthy of all praise and O Allah I request you that just like you have concealed my sins in this world, do not shame me even in the hereafter, O the most merciful. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (9) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ سَهَرْتُ لَهٗ لَيْلِي فِيْ التَّاَنِّيْ لِاِتْيَانِهٖ وَ التَّخَلُّصِ اِلٰى وُجُوْدِهٖ حَتّٰى اِذَا اَصْبَحْتُ تَخَطَّاْتُ (تَخَطَّيْتُ) اِلَيْكَ بِحِلْيَةِ الصَّالِحِيْنَ وَ اَنَا مُضْمِرٌ خِلَافَ رِضَاكَ يَا رَبَّ الْعَالَمِيْنَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

9) O Allah, forgive all of those sins of mine in establishing and executing which I spent my nights in planning and in the morning while keeping hidden those abhorrent thoughts in my heart and donning the garb of the pious believers, I walked amongst them towards you. O sustainer of the worlds, send blessings on Muhammad (as) and his progeny and forgive me O best of forgivers.

 (10) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ ظَلَمْتُ بِسَبَبِهٖ وَلِيًّا مِنْ اَوْلِيَائِكَ اَوْ نَصَرْتُ بِهٖ عَدُوًّا مِنْ اَعْدَائِكَ اَوْ تَكَلَّمْتُ فِيْهِ بِغَيْرِ مَحَبَّتِكَ اَوْ نَهَضْتُ فِيْهِ اِلٰى غَيْرِ طَاعَتِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

10) O Allah, forgive my every sin which became the cause of any injustice and oppression towards your infallible (highly pious) believers. Or which was the source of help to any of your enemies. Or through which I indicated any matter besides that of your love or through which I took any step which was opposed to your obedience. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (11) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ نَهَيْتَنِيْ عَنْهُ فَخَالَفْتُكَ اِلَيْهِ اَوْ حَذَّرْتَنِيْ اِيَّاهُ فَاَقَمْتُ عَلَيْهِ اَوْ قَبَّحْتَهٗ لِيْ فَزَيَّنْتُهٗ لِنَفْسِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

11) O Allah I seek forgiveness for all those sins which you prohibited and I opposed you by moving towards them. I remained firm upon them opposing all that you had warned me against. Or that which you decreed to be ugly but I presented it to myself as beautiful. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (12) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ نَسِيتُهٗ فَاَحْصَيْتَهٗ وَ تَهَاوَنْتُ بِهٖ فَاَثْبَتَّهٗ وَ جَاهَرْتُ بِهٖ فَسَتَرْتَهٗ عَلَيَّ وَ لَوْ تُبْتُ اِلَيْكَ مِنْهُ لَغَفَرْتَهٗ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

12) O Allah and I seek forgiveness for every one of those sins which I erased from memory but you kept them recorded or that which I perceived as insignificant but you wrote and made inerasable. Or that which I committed openly but you kept it concealed. If I would have apologized to you for them you would have surely forgiven me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (13) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ تَوَقَّعْتُ فِيْهِ قَبْلَ انْقِضَائِهٖ تَعْجِيْلَ الْعُقُوْبَةِ فَاَمْهَلْتَنِيْ وَ اَدْلَيْتَ عَلَيَّ سِتْرًا فَلَمْ آلُ فِيْ هَتْكِهٖ عَنِّيْ جَهْدًا فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

13) O Allah I ask forgiveness for every such sin the committing of which should have brought on immediate punishment but you granted me leniency and covered my acts, although I carelessly made every move to reveal my actions. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (14) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَصْرِفُ عَنِّيْ رَحْمَتَكَ اَوْ يُحِلُّ بِيْ نَقِمَتَكَ اَوْ يَحْرِمُنِيْ كَرَامَتَكَ اَوْ يُزِيْلُ عَنِّيْ نِعْمَتَكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

14) O Allah and I ask forgiveness for all those sins which distance your blessings from me or attract your punishment towards me. Or keep me excluded from your generosity or snatch your bounties away from me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (15) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُوْرِثُ الْفَنَاءَ اَوْ يُحِلُّ الْبَلَاءَ اَوْ يُشْمِتُ الْاَعْدَاءَ اَوْ يَكْشِفُ الْغِطَاءَ اَوْ يَحْبِسُ قَطْرَ السَّمَاءَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

15) O Allah and I ask forgiveness for each of those sins which bring along with them annihilation and destruction or entangle me in calamities or become the cause of criticism by enemies or stop the showering of your blessings upon me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (16) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ عَيَّرْتُ بِهٖ اَحَدًا مِنْ خَلْقِكَ اَوْ قَبَّحْتُهٗ مِنْ فِعْلِ اَحَدٍ مِنْ بَرِيَّتِكَ ثُمَّ تَقَحَّمْتُ عَلَيْهِ وَ انْتَهَكْتُهٗ جُرْاَةً مِنِّيْ عَلٰى مَعْصِيَتِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

16) O Allah and I ask forgiveness for each of those sins through which I spoke badly about others or I declared the acts of another as evil and then becoming offensively disobedient I myself committed the very same acts. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (17) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ تُبْتُ اِلَيْكَ مِنْهُ وَ اَقْدَمْتُ عَلٰى فِعْلِهٖ فَاسْتَحْيَيْتُ مِنْكَ وَ اَنَا عَلَيْهِ رَهِبْتُكَ وَ اَنَا فِيْهِ ثُمَّ اسْتَقَلْتُكَ مِنْهُ وَ عُدْتُ اِلَيْهِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

17) O Allah and I ask forgiveness for each of those sins where after having asked for your pardon I turned again towards them. I persisted in them but at the same time was ashamed of them and being involved in them I continued fearing you. I asked you to condone my acts but again reverted to them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (18) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ ثَوَّرَكَ عَلَيَّ وَ وَجَبَ فِيْ فِعْلِيْ بِسَبَبِ عَهْدٍ عَاهَدْتُكَ عَلَيْهِ اَوْ عَقْدٍ عَقَدْتُهٗ لَكَ اَوْ ذِمَّةٍ آلَيْتُ بِهَا مِنْ اَجْلِكَ لِاَحَدٍ مِنْ خَلْقِكَ ثُمَّ نَقَضْتُ ذٰلِكَ مِنْ غَيْرِ ضَرُوْرَةٍ لِرَغْبَتِيْ فِيْهِ بَلِ اسْتَزَلَّنِيْ عَنِ الْوَفَاءِ بِهِ الْبَطَرُ وَ اسْتَحَطَّنِيْ عَنْ رِعَايَتِهِ الْاَشَرُ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

18) O Allah and I ask forgiveness for each of those sins which provoked your anger upon me. Also the performing of those acts which were obligatory on me due to the vows and commitment that I had made to you or the promise that I made to you or the responsibility that I took upon myself for your sake where I had sworn to undertake a task for the benefit of another worshipper and then for the sake of my desires I broke that promise. I did not do so due to any helplessness. The breaking of this vow and commitment and promise was purely due to my selfish desires; and my own illusions led me astray in them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (19) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ لَحِقَنِيْ بِسَبَبِ نِعْمَةٍ اَنْعَمْتَ بِهَا عَلَيَّ فَقَوِيْتُ بِهَا عَلَى مَعْصِيَتِكَ وَ خَالَفْتُ بِهَا اَمْرَكَ وَ قَدِمْتُ بِهَا عَلَى وَعِيدِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

19) O Allah and I ask forgiveness for each of those sins in which I became entangled by using the bounties granted by you and through those bounties I attained strength for your disobedience and through that I opposed your commands and through those I moved closer towards the punishments that you had promised. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (20) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ قَدَّمْتُ فِيْهِ شَهْوَتِيْ عَلٰى طَاعَتِكَ وَ آثَرْتُ فِيْهِ مَحَبَّتِيْ عَلٰى اَمْرِكَ وَ اَرْضَيْتُ نَفْسِيْ فِيْهِ بِسَخَطِكَ اِذْ رَهَّبْتَنِيْ مِنْهُ بِنَهْيِكَ وَ قَدَّمْتَ اِلَيَّ فِيْهِ بِاَعْذَارِكَ وَ احْتَجَجْتَ عَلَيَّ فِيْهِ بِوَعِيْدِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

20) O Allah and I ask forgiveness for each of those sins where I gave priority to my worldly desires over your obedience and in which I gave importance to my wishes over your commands and in which I accepted and disregarded your anger in order to please myself although you had prohibited and warned me against it leaving no chance for my making excuses and through your promise of chastisement you had already clarified the matter. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (21) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ عَلِمْتُهٗ مِنْ نَفْسِي اَوْ نَسِيتُهٗ اَوْ ذَكَرْتُهٗ اَوْ تَعَمَّدْتُهٗ اَوْ اَخْطَاْتُ فِيْمَا لَا اَشُكُّ اَنَّكَ سَائِلِيْ عَنْهُ وَ اَنَّ نَفْسِيْ مُرْتَهَنَةٌ بِهٖ لَدَيْكَ وَ اِنْ كُنْتُ قَدْ نَسِيتُهٗ وَ غَفَلْتُ عَنْهُ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

21) O Allah and I ask forgiveness for each of those sins which I am aware of or those that I have forgotten or those which I remember or those that I committed intentionally or those that I performed by mistake although I have no doubt that you will ask me regarding all of them. I have allowed myself to forget all these sins and have become unconcerned regarding them. My soul is definitely bound to you concerning these sins. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (22) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ وَاجَهْتُكَ بِهٖ وَ قَدْ اَيْقَنْتُ اَنَّكَ تَرَانِيْ عَلَيْهِ وَ اُغْفِلْتُ اَنْ اَتُوْبَ إَلَيْكَ مِنْهُ وَ اُنْسِيْتُ اَنْ اَسْتَغْفِرَكَ لَهٗ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

22) O Allah and I ask forgiveness for each of those sins which I committed in your presence and was certain that you are watching me but did not repent for them due to ignorance and did not seek forgiveness for them due to forgetfulness. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (23) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ دَخَلْتُ فِيْهِ بِحُسْنِ ظَنِّيْ بِكَ اَلَّا تُعَذِّبَنِيْ عَلَيْهِ وَ رَجَوْتُكَ لِمَغْفِرَتِهٖ فَاَقْدَمْتُ عَلَيْهِ وَ قَدْ عَوَّلْتُ نَفْسِيْ عَلٰى مَعْرِفَتِيْ بِكَرَمِكَ اَنْ لَا تَفْضَحَنِيْ بَعْدَ اَنْ سَتَرْتَهٗ عَلَيَّ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

23) O Allah and I ask forgiveness for each of those sins towards which I moved and committed them due to having certainty regarding your clemency and due to being sure that you will forgive me. I relied on your generosity regarding which I was well aware, that what you have kept concealed; you will not humiliate me by making it apparent. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (24) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اسْتَوْجَبْتُ مِنْكَ بِهٖ رَدَّ الدُّعَاءِ وَ حِرْمَانَ الْاِجَابَةِ وَ خَيْبَةَ الطَّمَعِ وَ انْفِسَاخَ الرَّجَاءِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

24) O Allah and I seek forgiveness for each of those sins due to which I have become deserving of the rejection of my supplication and the withholding of their acceptance, and deserving of disappointments and of lack of interest towards your grants and of breaking of hopes. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (25) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُعَقِّبُ الْحَسْرَةَ وَ يُوْرِثُ النَّدَامَةَ وَ يَحْبِسُ الرِّزْقَ وَ يَرُدُّ الدُّعَاءَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

25) O Allah and I ask forgiveness for each of those sins after which there is regret and which bring behind them ruefulness. They stop sustenance and obstruct the acceptance of supplications. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (26) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُوْرِثُ الْاَسْقَامَ وَ الْفَنَاءَ وَ يُوْجِبُ النِّقَمَ وَ الْبَلَاءَ وَ يَكُوْنُ فِيْ الْقِيَامَةِ حَسْرَةً وَ نَدَامَةً فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

26) O Allah and I ask forgiveness for each of those sins which bring behind them illness and annihilation and are the cause of destruction and restriction and which will become despair and shame for me on the day of judgment. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (27) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ مَدَحْتُهٗ بِلِسَانِيْ اَوْ اَضْمَرَهٗ جَنَانِيْ اَوْ هَشَّتْ اِلَيْهِ نَفْسِيْ اَوْ اَتَيْتُهٗ بِفِعَالِيْ اَوْ كَتَبْتُهٗ بِيَدِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

27) O Allah and I ask forgiveness for each of those sins which I praised with my tongue or concealed their praise in my heart or which my soul kept desiring or which I made a part of my character and personality or that which I wrote with my hands and made permanent. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (28) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ خَلَوْتُ بِهٖ فِيْ لَيْلٍ اَوْ نَهَارٍ وَ اَرْخَيْتَ عَلَيَّ فِيْهِ الْاَسْتَارَ حَيْثُ لَا يَرَانِيْ اِلَّا اَنْتَ يَا جَبَّارُ فَارْتَابَتْ فِيْهِ نَفْسِي وَ مَيَّزْتُ بَيْنَ تَرْكِهٖ لِخَوْفِكَ وَ انْتِهَاكِهٖ لِحُسْنِ الظَّنِّ بِكَ فَسَوَّلَتْ لِيْ نَفْسِي الْاِقْدَامَ عَلَيْهِ فَوَاقَعْتُهٗ وَ اَنَا عَارِفٌ بِمَعْصِيَتِيْ فِيْهِ لَكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

28) O Allah and I ask forgiveness for each of those sins with which I remained alone some days and nights but you concealed me in such veils that none but you could see me O Jabbaar (Compeller), and my soul fell in doubt. Though I could grasp that if I forsake this sin it is due to your fear and if I commit it the reason for that is my certainty regarding your goodness. My soul then presented it to me as attractive and knowing full well that committing it is your disobedience I still plunged into it. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (29) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اسْتَقْلَلْتُهٗ اَوِ اسْتَكْثَرْتُهٗ اَوِ اسْتَعْظَمْتُهٗ اَوِ اسْتَصْغَرْتُهٗ اَوْ وَرَّطَنِيْ جَهْلِيْ فِيْهِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

29) O Allah and I ask forgiveness for each of those sins which I considered less or considered more, or considered small or considered great but my immaturity pushed me into it. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (30) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ مَالَاْتُ (مَالَيْتُ) فِيْهِ عَلٰى اَحَدٍ مِنْ خَلْقِكَ اَوْ اَسَاْتُ بِسَبَبِهٖ اِلٰى اَحَدٍ مِنْ بَرِيَّتِكَ اَوْ زَيَّنَتْهُ لِيْ نَفْسِيْ اَوْ اَشَرْتُ بِهٖ اِلٰى غَيْرِيْ اَوْ دَلَلْتُ عَلَيْهِ سِوَايَ اَوْ اَصْرَرْتُ عَلَيْهِ بِعَمْدِيْ اَوْ اَقَمْتُ عَلَيْهِ بِجَهْلِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

30) O Allah and I ask forgiveness for each of those sins in which I helped someone or due to which I mistreated any of your obedient servants or which I presented to myself as attractive or which I indicated to someone or guided others towards it or deliberately persisted in it or due to my ignorance remained firm on it. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (31) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ خُنْتُ فِيْهِ اَمَانَتِيْ اَوْ بَخَسْتُ بِفِعْلِهٖ نَفْسِيْ اَوْ اَخْطَاْتُ بِهٖ عَلٰى بَدَنِيْ اَوْ آثَرْتُ فِيْهِ شَهَوَاتِيْ اَوْ قَدَّمْتُ فِيْهِ لَذَّاتِيْ اَوْ سَعَيْتُ فِيْهِ لِغَيْرِيْ اَوِ اسْتَغْوَيْتُ اِلَيْهِ مَنْ تَابَعَنِيْ اَوْ كَاثَرْتُ فِيْهِ مَنْ مَنَعَنِيْ اَوْ قَهَرْتُ عَلَيْهِ مَنْ غَالَبَنِيْ اَوْ غَلَبْتُ عَلَيْهِ بِحِيْلَتِيْ اَوِ اسْتَزَلَّنِيْ اِلَيْهِ مَيْلِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

31) O Allah and I ask forgiveness for each of those sins where I violated something that was entrusted to me for safeguarding or in committing which I reduced my own value or due to which I harmed my own body or for which I inflamed my own desires or in the matter of which I struggled on behalf of others or misguided others who trusted me by pushing them towards it or reinforced opposition towards anyone who wanted to stop me from doing it or forcefully contradicted anyone who was preventing me from it using schemes and plots to overcome them. Or that my desires and wants made me slide towards it. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (32) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اِسْتَعَنْتُ عَلَيْهِ بِحِيْلَةٍ تُدْنِيْ مِنْ غَضَبِكَ اَوِ اسْتَظْهَرْتُ بِنَيْلِهٖ عَلٰى اَهْلِ طَاعَتِكَ اَوِ اسْتَمَلْتُ بِهٖ اَحَدًا اِلٰى مَعْصِيَتِكَ اَوْ رَائَيْتُ فِيْهِ عِبَادَكَ اَوْ لَبَّسْتُ عَلَيْهِمْ بِفِعَالِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

32) O Allah and I ask forgiveness for each of those sins to achieve which I used such schemes and plots which draw one closer to your wrath or by achieving which I became powerful over your obedient servants or through which I provoked someone towards your disobedience or by hiding myself among your servants I presented myself through my actions to be the opposite of what I actually was. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (33) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ كَتَبْتَهٗ عَلَيَّ بِسَبَبِ عُجْبٍ كَانَ مِنِّيْ بِنَفْسِيْ اَوْ رِيَاءٍ اَوْ سُمْعَةٍ اَوْ خُيَلَاءَ اَوْ فَرَحٍ اَوْ حِقْدٍ اَوْ مَرَحٍ اَوْ اَشَرٍ اَوْ بَطَرٍ اَوْ حَمِيَّةٍ اَوْ عَصَبِيَّةٍ اَوْ رِضًا اَوْ سَخَطٍ اَوْ سَخَاءٍ اَوْ شُحٍّ اَوْ ظُلْمٍ اَوْ خِيَانَةٍ اَوْ سَرِقَةٍ اَوْ كَذِبٍ اَوْ نَمِيمَةٍ اَوْ لَهْوٍ اَوْ لَعِبٍ اَوْ نَوْعٍ مِمَّا يُكْتَسَبُ بِمِثْلِهِ الذُّنُوْبُ وَ يَكُوْنُ فِيْ اجْتِرَاحِهِ الْعَطَبُ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

33) O Allah and I ask forgiveness for each of those sins which you wrote to my account due to my egoism or showing off or popularity or self indulgence or due to some forbidden pleasure or fun and frolic. Or because of me seeking fame and popularity or due to my show of superiority. Or for that sin which you wrote due to some act of fanaticism or bigotry on my part. Or because of my indulging in forbidden pleasure or in anger or due to some other excessive act or its opposite. Or due to my committing some act of tyranny or misappropriation or theft or lying or due to revealing of faults of others or vain words or playfulness. Or because of any other such act which results in sin and due to establishing of which there is always destruction and this made you write a sin to my account. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (34) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ سَبَقَ فِيْ عِلْمِكَ اَنِّيْ فَاعِلُهٗ بِقُدْرَتِكَ الَّتِيْ قَدَرْتَ بِهَا عَلٰى كُلِّ شَيْ‏ءٍ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

34) O Allah and I ask forgiveness for each of those sins about which you knew beforehand that by using that very strength which you have bestowed upon me, I would commit them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (35) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ رَهِبْتُ فِيْهِ سِوَاكَ اَوْ عَادَيْتُ فِيْهِ اَوْلِيَاءَكَ اَوْ وَالَيْتُ فِيْهِ اَعْدَاءَكَ اَوْ خَذَلْتُ فِيْهِ اَحِبَّاءَكَ اَوْ تَعَرَّضْتُ فِيْهِ لِشَيْ‏ءٍ مِنْ غَضَبِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

35) O Allah and I ask forgiveness for each of those sins in which I was fearful of anyone other than you or in which I bore enmity to your representatives or maintained friendship with your enemies or insulted your friends or in which I provoked your wrath. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (36) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ تُبْتُ اِلَيْكَ مِنْهُ ثُمَّ عُدْتُ فِيْهِ وَ نَقَضْتُ الْعَهْدَ فِيْمَا بَيْنِيْ وَ بَيْنَكَ جُرْاَةً مِنِّيْ عَلَيْكَ لِمَعْرِفَتِيْ بِكَرَمِكَ وَ عَفْوِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

36) O Allah and I ask forgiveness for each of those sins where I sought your forgiveness and returned again to that sin by breaking the promise that I had made to you and although this was an affront towards you by me, I still persisted in this due to being aware of you clemency and generosity. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (37) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اَدْنَانِيْ مِنْ عَذَابِكَ اَوْ نَآنِيْ عَنْ ثَوَابِكَ اَوْ حَجَبَ عَنِّيْ رَحْمَتَكَ اَوْ كَدَّرَ عَلَيَّ نِعْمَتَكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

37) O Allah and I ask forgiveness for each of those sins which draws me nearer to your punishment or takes me farther away from your rewards or creates a veil between me and your munificence or turns your bounties joyless for me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (38) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ حَلَلْتُ بِهٖ عَقْدًا شَدَدْتُهٗ اَوْ حَرَمْتُ بِهٖ نَفْسِيْ خَيْرًا وَعَدْتَنِيْ بِهٖ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

38) O Allah and I ask forgiveness for each of those sins where I broke the pact made with you that you had made me firmly agree upon and deprived myself of the goodness that you had promised me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (39) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ ارْتَكَبْتُهٗ بِشُمُوْلِ عَافِيَتِكَ اَوْ تَمَكَّنْتُ مِنْهُ بِفَضْلِ نِعْمَتِكَ اَوْ قَوِيْتُ عَلَيْهِ بِسَابِغِ رِزْقِكَ اَوْ خَيْرٍ اَرَدْتُ بِهٖ وَجْهَكَ فَخَالَطَنِيْ فِيْهِ وَ شَارَكَ فِعْلِيْ مَا لَا يَخْلُصُ لَكَ اَوْ وَجَبَ عَلَيَّ مَا اَرَدْتُ بِهٖ سِوَاكَ فَكَثِيْرٌ مَا يَكُوْنُ كَذٰلِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

39) O Allah and I ask forgiveness for each of those sins which I committed due to the health that you granted me or due to the bounties you bestowed upon me or which I could perform due to spending of the sustenance given by you. Or when I wished to do a good act for your pleasure, the thought of pleasing others besides you corrupted me; and due to this consideration of others polluting my good deed it did not remain pure. Or due to the committing of an act for the pleasure of someone other than you, their evil consequences came into effect for me � and this is what usually happens. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (40) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ دَعَتْنِيْ الرُّخْصَةُ فَحَلَّلْتُهٗ لِنَفْسِيْ وَ هُوَ فِيْمَا عِنْدَكَ مُحَرَّمٌ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

40) O Allah and I ask forgiveness for each of those sins which I considered legitimate for myself due to the freedom you granted me whereas you had decreed them forbidden for me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (41) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ خَفِيَ عَنْ خَلْقِكَ وَ لَمْ يَعْزُبْ عَنْكَ فَاسْتَقَلْتُكَ مِنْهُ فَاَقَلْتَنِيْ ثُمَّ عُدْتُ فِيْهِ فَسَتَرْتَهٗ عَلَيَّ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

41) O Allah and I ask forgiveness for each of those sins of mine which remained concealed from others but were not hidden from you. I asked you to release me from those sins and you granted me release, but I once again returned to them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (42) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ خَطَوْتُ اِلَيْهِ بِرِجْلِيْ اَوْ مَدَدْتُ اِلَيْهِ يَدِي اَوْ تَاَمَّلَهُ بَصَرِيْ اَوْ اَصْغَيْتُ اِلَيْهِ بِسَمْعِيْ اَوْ نَطَقَ بِهٖ لِسَانِي اَوْ اَنْفَقْتُ فِيْهِ مَا رَزَقْتَنِي ثُمَّ اسْتَرْزَقْتُكَ عَلٰى عِصْيَانِيْ فَرَزَقْتَنِيْ ثُمَّ اسْتَعَنْتُ بِرِزْقِكَ عَلٰى مَعْصِيَتِكَ فَسَتَرْتَ عَلَيَّ ثُمَّ سَاَلْتُكَ الزِّيَادَةَ فَلَمْ تُخَيِّبْنِيْ وَ جَاهَرْتُكَ فِيْهِ فَلَمْ تَفْضَحْنِيْ فَلَا اَزَالُ مُصِرًّا عَلٰى مَعْصِيَتِكَ وَ لَا تَزَالُ عَائِدًا عَلَيَّ بِحِلْمِكَ وَ مَغْفِرَتِكَ يَا اَكْرَمَ الْاَكْرَمِيْنَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

42) O Allah and I ask forgiveness for each of those sins towards which I took a step, or towards which I extended my hand or which I keenly observed or which I attentively heard or which I mentioned with my tongue or for which I spent from the sustenance granted by you. Then in spite of my sins I kept asking you for sustenance and you kept granting it to me and I again disobeyed your commands with the help of your given sustenance but you covered my acts keeping them concealed from others. Then again I asked for more sustenance but you did not disappoint me and I committed sins openly but you did not defame me. I committed sin upon sin but you kept responding with forbearance and forgiveness. O the most Generous of all who are generous, Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (43) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُوْجِبُ عَلَيَّ صَغِيْرُهٗ اَلِيْمَ عَذَابِكَ وَ يُحِلُّ بِيْ كَبِيْرُهٗ شَدِيْدَ عِقَابِكَ وَ فِيْ اِتْيَانِهٖ تَعْجِيْلُ نَقِمَتِكَ وَ فِيْ الْاِصْرَارِ عَلَيْهِ زَوَالُ نِعْمَتِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

43) O Allah and I ask forgiveness for each of those sins whose minimum effect is painful punishment and whose major consequence is severe chastisement for me. The committing of which hastens all kinds of loss and the repeating of which causes the diminishing of your bounties. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (44) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ لَمْ يَطَّلِعْ عَلَيْهِ اَحَدٌ سِوَاكَ وَ لَا عَلِمَهٗ اَحَدٌ غَيْرُكَ وَ لَا يُنْجِيْنِيْ مِنْهُ اِلَّا حِلْمُكَ وَ لَا يَسَعُهٗ اِلَّا عَفْوُكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

44) O Allah and I ask forgiveness for each of those sins whose knowledge is with none except you and nothing besides your forbearance can save me from them and nothing except your pardon can cover them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (45) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُزِيْلُ النِّعَمَ اَوْ يُحِلُّ النِّقَمَ اَوْ يُعَجِّلُ الْعَدَمَ اَوْ يُكَثِّرُ النَّدَمَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

45) O Allah and I ask forgiveness for each of those sins which decrease the bestowal of your bounties and increase loss and misfortune and give rise to destruction and cause shame and humiliation. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (46) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَمْحَقُ الْحَسَنَاتِ وَ يُضَاعِفُ السَّيِّئَاتِ وَ يُعَجِّلُ النَّقِمَاتِ وَ يُغْضِبُكَ يَا رَبَّ السَّمَاوَاتِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

46) O Allah and I ask forgiveness for each of those sins that erase goodness and bring forth evil and hasten your wrath and quickly bring about misfortune. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (47) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اَنْتَ اَحَقُ‏ بِمَعْرِفَتِهٖ اِذْ كُنْتَ اَوْلٰى بِسُتْرَتِهٖ فَاِنَّكَ اَهْلُ التَّقْوٰى‏ وَ اَهْلُ الْمَغْفِرَةِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

47) O Allah and I ask forgiveness for each of those sins whose complete awareness is possessed only by you and only you are the one to best conceal them. Certainly you alone are the competent protector who can save me and forgive me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (48) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ تَجَهَّمْتُ فِيْهِ وَلِيًّا مِنْ اَوْلِيَائِكَ مُسَاعَدَةً فِيْهِ لِاَعْدَائِكَ اَوْ مَيْلًا مَعَ اَهْلِ مَعْصِيَتِكَ عَلٰى اَهْلِ طَاعَتِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

48) O Allah and I ask forgiveness for each of those sins where I stood alongside your enemies and supported the sinners against your obedient servants or acted harshly against your representatives. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (49) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اَلْبَسَنِيْ كِبْرَةً وَ انْهِمَاكِيْ فِيْهِ ذِلَّةٌ اَوْ آيَسَنِيْ مِنْ وُجُوْدِ رَحْمَتِكَ اَوْ قَصَّرَ بِيَ الْيَاْسَ عَنِ الرُّجُوْعِ اِلٰى طَاعَتِكَ لِمَعْرِفَتِيْ بِعَظِيْمِ جُرْمِيْ وَ سُوْءِ ظَنِّيْ بِنَفْسِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

49) O Allah and I ask forgiveness for each of those sins which engulfed me in pride and self importance and losing myself in them I found myself in humiliation and baseness or that which made me dejected regarding the existence of your mercy or which made me lose hope and prevented me from returning towards your mercy although I was well aware of the graveness of my crime but had turned a blind eye towards my soul. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

(50) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اَوْرَدَنِيْ الْهَلَكَةَ لَوْ لَا رَحْمَتُكَ وَ اَحَلَّنِيْ دَارَ الْبَوَارِ لَوْ لَا تَغَمُّدُكَ وَ سَلَكَ بِيْ سَبِيْلَ الْغَيِّ لَوْ لَا رُشْدُكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

50) O Allah and I ask forgiveness for each of those sins where if your mercy had been absent they would have annihilated me. If you had not reprimanded me they would have thrown me into destruction. If you had not given me intelligence and guidance they would have made me continue on the path of misguidance. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (51) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اَلْهَانِيْ عَمَّا هَدَيْتَنِيْ اِلَيْهِ اَوْ اَمَرْتَنِيْ بِهٖ اَوْ نَهَيْتَنِيْ عَنْهُ اَوْ دَلَلْتَنِيْ عَلَيْهِ فِيْمَا فِيْهِ الْحَظُّ لِبُلُوْغِ رِضَاكَ وَ اِيثَارِ مَحَبَّتِكَ وَ الْقُرْبِ مِنْكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

51) O Allah and I ask forgiveness for each of those sins that made me remiss from that path towards which you had guided me or from that command which you had ordered of me or from that which you had prohibited of me or that which made me unwary of the deeds toward which you had guided me whereas those deeds were a means towards achieving of your approval, love and nearness. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (52) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَرُدُّ عَنْكَ دُعَائِيْ اَوْ يَقْطَعُ مِنْكَ رَجَائِيْ اَوْ يُطِيْلُ فِيْ سَخَطِكَ عَنَائِيْ اَوْ يُقَصِّرُ عِنْدَكَ اَمَلِيْ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

52) O Allah and I ask forgiveness for each of those sins which prevent my supplications from reaching you or make me lose hope in you or due to your disapproval they increase my grief and misery or reduce my hope in you. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (53) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُمِيْتُ الْقَلْبَ وَ يُشْعِلُ الْكَرْبَ وَ يُرْضِيْ الشَّيْطَانَ وَ يُسْخِطُ الرَّحْمٰنَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

53) O Allah and I ask forgiveness for each of those sins which desensitizes the heart and inflames uneasiness and pleases �shaitaan� while displeasing You O Merciful Lord. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (54) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُعَقِّبُ الْيَاْسَ مِنْ رَحْمَتِكَ وَ الْقُنُوْطَ مِنْ مَغْفِرَتِكَ وَ الْحِرْمَانَ مِنْ سَعَةِ مَا عِنْدَكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

54) O Allah and I ask forgiveness for each of those sins which make me dejected of your mercy and make me lose hope of your forgiveness and deprive me of all the good that is in abundance with you. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (55) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ مَقَتُّ نَفْسِي عَلَيْهِ اِجْلَالًا لَكَ فَاَظْهَرْتُ لَكَ التَّوْبَةَ فَقَبِلْتَ وَ سَاَلْتُكَ الْعَفْوَ فَعَفَوْتَ ثُمَّ مَالَ بِيَ الْهَوَى اِلٰى مُعَاوَدَتِهٖ طَمَعًا فِيْ سَعَةِ رَحْمَتِكَ وَ كَرِيْمِ عَفْوِكَ نَاسِيًا لِوَعِيْدِكَ رَاجِيًا لِجَمِيْلِ وَعْدِكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

55) O Allah and I ask forgiveness for each of those sins for which I heartily repented and then made my soul bear enmity towards those acts for the sake of your might and You accepted my repentance. I asked for forgiveness and you granted it to me but then my inner desires made me turn towards them again. I greedily kept hoping for your unending mercy and generous bestowals and while forgetting your reprisal I returned to those sins while just focusing upon your good promises. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (56) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُوْجَبُ سَوَادَ الْوُجُوْهِ يَوْمَ تَبْيَضُّ وُجُوْهُ اَوْلِيَائِكَ وَ تَسْوَدُّ وُجُوْهُ اَعْدَائِكَ اِذْ اَقْبَلَ بَعْضُهُمْ عَلٰى‏ بَعْضٍ يَتَلَاوَمُوْنَ فَقِيْلَ لَهُمْ لَا تَخْتَصِمُوْا لَدَيَّ وَ قَدْ قَدَّمْتُ اِلَيْكُمْ بِالْوَعِيْدِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

56) O Allah and I ask forgiveness for each of those sins which will result in my face being blackened on that day when your friends will be bright faced while your enemies will be with blackened faces and shall meet each other in a state wherein they shall be cursing one another. Then it shall be said to them �Do not fight in our presence. We had already warned you of this chastisement�. (Sura e Kahf; Ayat no.28). Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (57) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَدْعُوْ اِلَى الْكُفْرِ وَ يُطِيْلُ الْفِكْرَ وَ يُوْرِثُ الْفَقْرَ وَ يَجْلُبُ الْعُسْرَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

57) O Allah and I ask forgiveness for each of those sins which propel one towards disbelief, increase grief and worry and leave in their wake reduced means, poverty and attract hardship and difficulties. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (58) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُدْنِي الْآجَالَ وَ يَقْطَعُ الْآمَالَ‏ وَ يَبْتُرُ الْاَعْمَارَ فُهْتُ بِهٖ اَوْ صَمَتُّ عَنْهُ حَيَاءً مِنْكَ عِنْدَ ذِكْرِهِ اَوْ اَكْنَنْتُهٗ فِيْ صَدْرِيْ اَوْ عَلِمْتَهٗ مِنِّيْ فَاِنَّكَ تَعْلَمُ السِّرَّ وَ اَخْفٰى‏ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

58) O Allah and I ask forgiveness for each of those sins which draw death closer, crash hopes and reduce a person�s lifespan .Whether I confess these sins with my tongue or just remembering them I remain silent or conceal them within my breast or which I have never ever revealed to anyone; you are well aware of my sinful acts. Certainly you have knowledge of all that is hidden or manifest. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (59) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يَكُوْنُ فِيْ اجْتِرَاحِهٖ قَطْعُ الرِّزْقِ وَ رَدُّ الدُّعَاءِ وَ تَوَاتُرُ الْبَلَاءِ وَ وُرُوْدُ الْهُمُوْمِ وَ تَضَاعُفُ الْغُمُوْمِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

59) O Allah and I ask forgiveness for each of those sins the establishing of which reduces sustenance, causes supplications to be rejected and continuously brings about calamities and troubles and multiplies grief manifold. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (60) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُبْغِضُنِيْ اِلٰى عِبَادِكَ وَ يُنَفِّرُ عَنِّي اَوْلِيَاءَكَ اَوْ يُوْحِشُ مِنِّيْ اَهْلَ طَاعَتِكَ لِوَحْشَةِ الْمَعَاصِيْ وَ رُكُوْبِ الْحُوْبِ وَ كَـآبَةِ الذُّنُوْبِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

60) O Allah and I ask forgiveness for each of those sins due to which your servants dislike me, your representatives detest me and due to the fearful and terrible consequences of my sins your obedient slaves are afraid of me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (61) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ دَلَّسْتُ بِهٖ مِنِّيْ مَا اَظْهَرْتَهٗ اَوْ كَشَفْتُ عَنِّيْ بِهٖ مَا سَتَرْتَهٗ اَوْ قَبَّحْتُ بِهٗ مِنِّيْ مَا زَيَّنْتَهٗ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

61) O Allah and I ask forgiveness for each of those sins due to which you reversed all(goodness) that you had made apparent in my favor or due to which I publicly displayed that (my sins) which you had concealed or due to which I made ugly what you had made appear attractive in me. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (62) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ لَا يُنَالُ بِهٖ عَهْدُكَ وَ لَا يُؤْمَنُ مَعَهٗ غَضَبُكَ وَ لَا تَنْزِلُ مَعَهٗ رَحْمَتُكَ وَ لَا تَدُوْمُ مَعَهٗ نِعْمَتُكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

62) O Allah and I ask forgiveness for each of those sins that prevent the gaining of nearness and familiarity with your representatives (Imams) and due to which it becomes impossible to achieve protection from your wrath and due to which your mercy does not descend and which causes your bounties to be revoked. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (63) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ اسْتَخْفَيْتُ لَهٗ ضَوْءَ النَّهَارِ مِنْ عِبَادِكَ وَ بَارَزْتُ بِهٖ فِيْ ظُلْمَةِ اللَّيْلِ جُرْاَةً مِنِّيْ عَلَيْكَ عَلٰى اَنِّي اَعْلَمُ اَنَّ السِّرَّ عِنْدَكَ عَلَانِيَةٌ وَ اَنَّ الْخُفْيَةَ عِنْدَكَ بَارِزَةٌ وَ اَنَّهٗ لَنْ يَمْنَعَنِيْ مِنْكَ مَانِعٌ وَ لَا يَنْفَعَنِيْ عِنْدَكَ نَافِعٌ مِنْ مَالٍ وَ بَنِينَ اِلَّا اَنْ اَتَيْتُكَ بِقَلْبٍ سَلِيْمٍ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

63) O Allah and I ask forgiveness for each of those sins which I concealed from your believers in the brightness of day but in the darkness of night I brazenly committed them; unabashedly in your presence. Although I knew well that no secret remains a secret but is always apparent and manifest with you, all that is concealed is open before you and there is nothing between You and me that can be a barrier and that nothing can be beneficial before you; neither wealth nor children; except a pure heart. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (64) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ يُوْرِثُ النِّسْيَانَ لِذِكْرِكَ وَ يُعَقِّبُ الْغَفْلَةَ عَنْ تَحْذِيرِكَ اَوْ يُمَادِيْ فِيْ الْاَمْنِ مِنْ مَكْرِكَ اَوْ يُطْمِعُ فِيْ طَلَبِ الرِّزْقِ مِنْ عِنْدِ غَيْرِكَ اَوْ يُؤْيِسُ مِنْ خَيْرِ مَا عِنْدَكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

64) O Allah and I ask forgiveness for each of those sins which result in the forgetting of your zikr(mention) and whose final consequences are unwariness of those acts against which one was warned and prohibited. Or which result; through your design; in self deception and false delusions of safety. Or which tempt me to seek sustenance from sources other than You while making me lose hope in the infinite goodness that is with you. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (65) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ لَحِقَنِيْ بِسَبَبِ عَتَبِيْ عَلَيْكَ فِيْ احْتِبَاسِ الرِّزْقِ عَنِّيْ وَ اِعْرَاضِيْ عَنْكَ وَ مَيْلِيْ اِلٰى عِبَادِكَ بِالإسْتِكَانَةِ لَهُمْ وَ التَّضَرُّعِ اِلَيْهِمْ وَ قَدْ اَسْمَعْتَنِيْ قَوْلَكَ فِيْ مُحْكَمِ كِتَابِكَ فَمَا اسْتَكانُوْا لِرَبِّهِمْ وَ مَا يَتَضَرَّعُوْنَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

65) O Allah and I ask forgiveness for each of those sins which have locked me in their grasp due to my harboring a negative attitude towards you. This was caused because of the diminishing of my sustenance which resulted in my turning away from you to bow and beseech before your slaves. You have clarified your decree in your profound book that �the faithful believers of Allah have never bowed towards nor beseeched anyone� (Surah Mo�minoon: Ayat 76). Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (66) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ لَزِمَنِي بِسَبَبِ كُرْبَةٍ اسْتَعَنْتُ عِنْدَهَا بِغَيْرِكَ اَوِ اسْتَبْدَدْتُ بِاَحَدٍ فِيْهَا دُوْنَكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

66) O Allah and I ask forgiveness for each of those sins in which I am caught up due to seeking help and support during difficulties from sources other than You and for obtaining that help from them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (67) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ حَمَلَنِيْ عَلٰى الْخَوْفِ مِنْ غَيْرِكَ اَوْ دَعَانِيْ اِلَى التَّوَاضُعِ لِاَحَدٍ مِنْ خَلْقِكَ اَوِ اسْتَمَالَنِيْ اِلَيْهِ الطَّمَعُ فِيْمَا عِنْدَهٗ اَوْ زَيَّنَ لِيْ طَاعَتَهٗ فِيْ مَعْصِيَتِكَ اِسْتِجْرَارًا لِمَا فِيْ يَدِهٖ وَ اَنَا اَعْلَمُ بِحَاجَتِيْ اِلَيْكَ لَا غِنَا لِيْ عَنْكَ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

67) O Allah and I ask forgiveness for each of those sins which made me fear someone other than you or made me bow down before any of your created beings or I got tempted and attracted towards the worldly glamour and glitter that another possessed or in the hope of obtaining what he had, obedience to him appeared good to me regardless of it being disobedience towards you. I was well aware that I am so completely dependent on you that no one can make me needless of you. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (68) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ مَدَحْتُهٗ بِلِسَانِيْ اَوْ هَشَّتْ اِلَيْهِ نَفْسِيْ اَوْ حَسَّنْتُهٗ بِفِعَالِيْ اَوْ حَثَثْتُ عَلَيْهِ بِمَقَالِيْ وَ هُوَ عِنْدَكَ قَبِيْحٌ تُعَذِّبُنِيْ عَلَيْهِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

68) O Allah and I ask forgiveness for each of those sins which I praised with my tongue or that which my soul fervently desired or that which I projected as good through my actions whereas for you it was such an ugly act that you ordained grave punishment for me due to it. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (69) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ مَثَّلْتُهٗ فِيْ نَفْسِي اِسْتِقْلَالًا لَهٗ وَ صَوَّرَتْ لِيْ اسْتِصْغَارَهٗ وَ هَوَّنَتْ عَلَيَّ الْاِسْتِخْفَافَ بِهٖ حَتّٰى اَوْرَطَتْنِيْ فِيْهِ فَصَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اغْفِرْهُ لِيْ يَا خَيْرَ الْغَافِرِيْنَ

69) O Allah and I ask forgiveness for each of those sins which I allowed myself to consider as small and insignificant and my conscience also presented them to me as being minor so that it became easy for me to consider them lightly thereby causing my being involved in them. Send blessings on Muhammad and the progeny of Muhammad (a.s.) and forgive me O the best of forgivers.

 (70) اَللّٰہُمَّ وَ اَسْتَغْفِرُكَ لِكُلِّ ذَنْبٍ جَرٰى بِهٖ عِلْمُكَ فِيَّ وَ عَلَيَّ اِلٰى آخِرِ عُمْرِيْ بِجَمِيْعِ ذُنُوْبِيْ لِاَوَّلِهَا وَ آخِرِهَا وَ عَمْدِهَا وَ خَطَائِهَا وَ قَلِيْلِهَا وَ كَثِيْرِهَا وَ دَقِيْقِهَا وَ جَلِيْلِهَا وَ قَدِيْمِهَا وَ حَدِيْثِهَا وَ سِرِّهَا وَ عَلَانِيَتِهَا وَ جَمِيْعِ مَا اَنَا مُذْنِبُهٗ وَ اَتُوْبُ اِلَيْكَ وَ اَسْاَلُكَ اَنْ تُصَلِّيَ عَلَى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اَنْ تَغْفِرَ لِيْ جَمِيعَ مَا اَحْصَيْتَ مِنْ مَظَالِمِ الْعِبَادِ قَبْلِي فَاِنَّ لِعِبَادِكَ عَلَيَّ حُقُوْقًا اَنَا مُرْتَهَنٌ بِهَا تَغْفِرُهَا لِيْ كَيْفَ شِئْتَ وَ اَنَّى شِئْتَ يَا اَرْحَمَ الرَّاحِمِيْنَ.‏

70) O Allah and I ask forgiveness for each of those sins which are in Your knowledge regarding me. Your knowledge encompasses all my sins from the beginning until the end of my life. My Lord, I beseech you for forgiveness for all the sins from the first one till the last of them, whether they were done deliberately or by mistake, whether they be few or many, whether they be minor or major, whether they are old or recent, whether they are hidden or apparent and of each and every sin of which I am guilty. O my Lord I return towards you and apologize to you and ask you to send blessings on Mohammed and His Progeny. All those offences that I have done towards your believers the total of which you are well aware of, forgive me all of them. Most certainly there are many claims of your believers upon my head which have made me their prisoner, please forgive me for all of them and forgive me however you choose and whenever you choose O the best of forgivers.[7]

(In another report it has been mentioned that Imam Ali (a.s.) told the person to recite this dua while weeping or at least while in a similar emotional state even if tears do not flow)

Imam Husain (a.s.) says,

�One year later the Arab returned and said�O Commander of the Faithful, what you said is true. I now own so many camels and cattle that I lack the space to tie them down.

Imam Ali (a.s.) said,

I swear by Allah who has appointed the Holy Prophet (s.a.w.a.), whosoever recites this penance and seeks forgiveness from Allah (s.w.t.), he shall be forgiven and his legitimate desires will get fulfilled and by the blessings of this Istegfar he will be granted much wealth and children.�

24) Dua-e-Faraj taught by Imam Musa-e-Kazim (a.s.) for debt repayment

اَللّٰہُمَّ یَا فَارِجَ الْہَمِّ وَ یَا كَاشِفَ الْغَمِّ وَ یَا مُجِیْبَ الْمُضْظَرِّ یَا رَحْمٰنَ الدُّنْیَا وَ الْآخِرَۃِ([8]) اَنْتَ تَرْحَمُنَا فَارْحَمْنَا بِرَحْمَۃٍ تُغْنِیْنَا بِہَا عَنْ رَحْمَۃِ مَنْ سِوَاكَ([9]) اَللّٰہُمَّ اقْضِ عَنَّا([10]) الدَّیْنَ وَ اَغْنِنِیْ مِنَ الْفَقْرِ وَ لَا حَوْلَ وَ لَا قُوَّۃَ اِلَّا بِاللہِ الْعَلِیِّ الْعَظِیْمِ.

25) Another dua for debt repayment

The writer of the book, Al Kalimatut Tayyib wal Ghaisus Sayyib has copied that this Istegfar may be recited for debt repayment

اَسْتَغْفِرُ اللهَ الْعَظِيْمِ الَّذِيْ لَا اِلٰہَ اِلَّا ہُوَ الْحَيُّ الْقَيُّوْمُ بَدِيْعُ السَّمٰوَاتِ وَ الْاَرْضِ وَ مَا بَيْنَهُمَا مِنْ جَمِيْعِ جُرْمِيْ وَ ظُلْمِيْ وَ مَا جَنَيْتُهٗ عَلٰی نَفْسِیْ وَ اَتُوْبُ اِلَیْہِ یَا اَللہُ یَا وَاحِدُ یَا اَحَدُ يَا وَاجِدُ يَا جَوَادُ يَا مُوْجِدُ يَابَاسِطُ يَا كَرِيْمُ يَا وَهَّابُ يَا ذَا الطَّوْلِ يَا غَنِيُّ يَا مُغْنِيْ يَا فَتَّاحُ يَا رَزَّاقُ يَا حَيُّ يَا قَيُّوْمُ يَا رَحْمٰنُ یَا رَحِیْمُ یَا بَدِیْعَ السَّمٰوَاتِ وَ الْاَرْضِ يَا ذَا الْجَلَالِ وَ الْاِكْرَامِ يَا حَنَّانُ يَا مَنَّانُ انْفَحْنِيْ مِنْكَ بِنَفْحَةِ خَيْرٍ تُغْنِيْنِيْ بِهَا عَمَّنْ سِوَاكَ اِنْ تَسْتَفَتْحُوْا فَقَدْ جَائَكُمُ الْفَتْحُ اِنَّا فَتَحْنَا لَكَ فَتْحًا مُبِيْنًا نَصْرٌ مِنَ اللهِ وَ فَتْحٌ قَرِيْبٌ يَا غَنِيُّ يَا مُغْنِيْ يَا وَدُوْدُ يَا ذَا الْعَرْشِ الْمَجِيْدِ يَا فَعَّالًا لِمَا يُرِيْدُ اَغْنِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ بِفَضْلِكَ عَمَّنْ سِوَاكَ اِنَّكَ عَلٰی كُلِّ شَیْءٍ قَدِیْرٌ وَ صَلَّ اللہُ عَلٰی مَحَمَّدٍ وَ اٰلِہٖ وَ سَلَّمَ.

26) Dua for replacing of poverty and neediness with wealth and affluence

It has been narrated from the Holy Prophet (s.a.w.a.) that He mentioned �By the Lord Who conferred Prophethood upon me, whosoever will write and keep this dua with himself or at his home or just keep reciting it then his condition of poverty and neediness will change into that of wealth and affluence.�

يَا اَللهُ يَا اَللهُ يَا اَللهُ يَا رَبِّ يَا رَبِّ يَا رَبِّ يَا حَيُّ يَا قَيُّوْمُ يَا حَيُّ يَا قَيُّوْمُ يَا حَيُّ يَا قَيُّوْمُ يَا ذَا الْجَلَالِ وَ الْاِكْرَامِ يَا ذَا الْجَلَالِ وَ الْاِكْرَامِ يَا ذَا الْجَلَالِ وَ الْاِكْرَامِ اَسْئَلُكَ بِاسْمِكَ الْعَظِيْمِ الْاَعْظَمِ اَنْ تَرْزُقَنِيْ رِزْقًا حَلَالًا طَيِّبًا بِرَحْمَتِكَ الْوَاسِعَةِ يَا اَرْحَمَ الرَّاحِمِيْنَ.

27) Highly effective dua for debt repayment

Hazrat-e-Ayatullah Kashmiri (r.a.) was asked as to which is the best dua for debt repayment. He said �This dua when recited for a fixed number of times is very effective. (The number of repititions is not specified. Maybe it could be according to the aadad of one�s name or the aadad of the dua)

يَا قَاضِيَ الدُّيُوْنِ مِنْ خَزَائِنِكَ الْمَكْنُوْنِ الَّتِيْ هِيَ بَيْنَ الْكَافِ وَ النُّوْنِ اقْضِ دَيْنِيْ وَ دَيْنَ كُلِّ مَدْيُوْنٍ.

28) The Namaz of Abdur Rahim-e-Qaseer

Hazrat-e-Ayatullah Kashmiri was asked if there is any namaz mentioned for debt repayment. He said that the namaz of Abdur Rahim-e-Qaseer is highly effective and he himself has also experienced it�s results. Abdur Raheem-e-Qaseer said �Once I went in the presence of Hazrat Imam Jafar-e-Sadiq (a.s.) and addressed him-May I be sacrificed for you, I have composed a dua� Imam (a.s.) said �Leave aside your composed dua. Whenever you encounter any troubles or difficulty then seek the protection of Hazrat Rasulullah (s.a.w.a.) �I asked,how may I seek His protection, to which Imam (a.s.) answered �First do ghusl, then recite 2 rakat namaz .After the salaam and completion of namaz recite this dua

اَللّٰهُمَّ اَنْتَ السَّلَامُ وَ مِنْكَ السَّلَامُ وَ اِلَيْكَ يَرْجِعُ السَّلَامُ اَللّٰهُمَّ صَلِّ عَلٰى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ بَلِّغْ رُوْحَ مُحَمَّدٍ مِنِّي السَّلَامَ وَ اَرْوَاحَ الْاَئِمَّةِ الصَّادِقِيْنَ سَلَامِيْ وَ ارْدُدْ عَلَيَّ مِنْهُمُ السَّلَام وَ السَّلَامُ عَلَيْهِمْ وَ رَحْمَةُ اللهِ وَ بَرَكَاتُهٗ اَللّٰهُمَّ اِنَّ هَاتَيْنِ الرَّكْعَتَيْنِ هَدِيَّةٌ مِنِّيْ اِلٰى رَسُولِ اللهِ ؐ فَاثْبِنِيْ عَلَيْهِمَا مَا اَمَّلْتُ وَ رَجَوْتُ فِيْكَ وَ فِيْ رَسُوْلِكَ يَا وَلِيَّ الْمُؤْمِنِيْنَ

then go into sajdah and recite 40 times

يَا حَيُّ يَا قَيُّوْمُ يَا حَيُّ لَا يَمُوْتُ يَا حَيُّ لَا اِلٰهَ اِلَّا اَنْتَ يَا ذَا الْجَلَالِ وَ الْاِكْرَامِ يَا اَرْحَمَ الرَّاحِمِيْنَ‏

then keep your right cheek on the sazdagah and recite the same dua 40 times. Then keep your left cheek on the sazdagah and again recite the same 40 times. Then sit up and interlock the fingers of both hands behind your neck but keep the ziyarat finger (right index) raised and recite the same dua 40 times. Then hold your beard in your right hand and recite this dua

يَا مُحَمَّدُ يَا رَسُوْلَ اللهِ اَشْكُوْ اِلَى اللهِ وَ اِلَيْكَ حَاجَتِيْ وَ اِلٰى اَهْلِ بَيْتِكَ الرَّاشِدِيْنَ حَاجَتِيْ وَ بِكُمْ اَتَوَجَّهُ اِلَى اللهِ فِيْ حَاجَتِيْ.

then go into sajdah and continue reciting �Ya Allah� as many times a possible in a single breath. Then say Swalle ala Mohammadin wa Aale Mohammed and (while still in prostration) request Allah for fulfillment of your desire. I guarantee that your request will be granted before you rise up from your place of sitting.

29) Dua for debt repayment

Ayyashi has reported from Abdullah ibn Sanaan who said �I was in the presence of Imam Jafar-e-Sadiq (a.s.). Hazrat asked me: Shall I teach you a Dua for debt repayment? I replied that I desperately needed such a dua. Hazrat said: �Recite this dua after namaz-e-fajr

تَوَكَّلْتُ عَلَی الْحَىِّ الَّذِیْ لَا يَمُوْتُ وَ الْحَمْدُ لِلّٰهِ الَّذِیْ لَمْ يَتَّخِذْ صَاحِبَةً وَ لَا وَلَدًا وَ لَمْ يَکُنْ لَهٗ شَرِيْكٌ فِیْ الْمُلْكِ وَ لَمْ يَکُنْ لَهٗ وَلِیٌّ مِنَ الذُّلِّ وَ كَبِّرْهُ تَکْبِيْرًا اَللّٰهُمَّ اِنِّيْ اَعُوْذُ بِكَ مِنَ الْبُؤْسِ وَ الْفَقْرِ وَ مِنْ غَلَبَةِ الدَّيْنِ وَ السُّقْمِ وَ اَسْاَلُكَ اَنْ تُعِيْنَنِيْ عَلٰى اَدَاءِ حَقِّكَ اِلَيْكَ وَ اِلَى النَّاسِ

Sheikh-e-Tusi (r.a.) and some other learned scholars have reported it this way: After وَ مِنْ غَلَبَةِ الدَّيْنِ وَ السُّقْمِ to continue as

فَصَلِّ عَلٰی مُحَمَّدٍ وَ اٰلِہٖ وَ اَعِنِّیْ عَلٰی اَدَآءِ حَقِّكَ اَلَیْكَ وَ اِلَی النَّاسِ.

And it is recommended that after reciting the dua �takbeer� should be recited 3 times. In the narrations it has been mentioned that this dua is absolutely tried and tested and very effective.

30) The benefits of Dua-e-Saifi-e-Sagheer

Dua-e-Saifi-e-Sagheer also known as Dua-e-Tamtaam is that dua which Marhum Haji Noori has reported in Kitabe Sahifa-e-Alaviyah-part 2. This dua has various benefits. It is narrated from Hazrat Amirul Moomineed Ali ibn Abi Talib (a.s.) that if a debt ridden person recites this dua with the intention of debt repayment then Almighty Allah (s.w.t.) will repay the loan of that person from His hidden treasures and the person will achieve relief and comfort. Whosoever recites it during travels or while at home will not encounter difficulties and inconveniences and if one writes this dua and keeps it with themselves they will remain safe from thieves, bandits and trouble makers as well as from the mischief of their enemies. If someone recites it over some sugar or some water taken from a flowing source and consumes it then the doors of goodness will open up for them, means of travels will become accessible to them, the companionship of good people will be gained by them and success of this world as well as of the hereafter will come to them.

It has also been narrated from Imam Ali (a.s.) that �during recitation of this dua I realized that this Dua also has the same qualities and effects as the words of dua-e-Saifi-e-Kabeer.[11]

31) Aamal of Dua-e-Saifi-e-Sagheer

If anyone recites Dua-e-Saifi-e-Sagheer every day then such secrets of Allah�s unity (Tauheed) will be revealed to them such as any ear would never have heard, nor would any eye have seen them before. If anyone recites this dua 100 times everyday they will become the master of Allah�s secrets and turn into one whose belief in Allah transforms into absolute certainty. The phrases of this dua are very effective in achieving one�s objectives. Moreover it has been experienced that after the recitation of dua-e-Saifi-e-Kabeer if these phrases (Dua-e-Saifi-e-Sagheer) are recited then their acceptance is a certainty.

بِسْمِ اللهِ الرَّحْمَنِ الرَّحِيمِ

رَبِّ اَدْخِلْنِيْ فِيْ لُجَّةِ بَحْرِ اَحَدِيَّتِكَ وَ طَمْطَامِ يَمِّ وَحْدَانِيَّتِكَ وَ قَوِّنِيْ بِقُوَّةِ سَطْوَةِ سُلْطَانِ فَرْدَانِيَّتِكَ حَتّٰى اَخْرُجَ اِلٰى فَضَاءِ سَعَةِ رَحْمَتِكَ‏ وَ فِيْ وَجْهِيْ لَمَعَانُ بَرْقِ الْقُرْبِ مِنْ آثَارِ حِمَايَتِكَ مَهِيْبًا بِهَيْبَتِكَ عَزِيْزًا بِعِنَايَتِكَ مُتَجَلِّلًا مُكَرَّمًا بِتَعْلِيْمِكَ وَ تَزْكِيَتِكَ‏ وَ اَلْبِسْنِيْ خِلَعَ الْعِزَّةِ وَ الْقَبُوْلِ وَ سَهِّلْ لِيْ مَنَاهِـجَ الْوُصْلَةِ وَ الْوُصُوْلِ وَ تَوِّجْنِيْ بِتَاجِ الْكَرَامَةِ وَ الْوَقَارِ وَ اَلِّفْ بَيْنِيْ وَ بَيْنَ اَحِبَّائِكَ فِي دَارِ الدُّنْيَا وَ دَارِ الْقَرَارِ وَ ارْزُقْنِيْ مِنْ نُوْرِ اِسْمِكَ هَيْبَةً وَ سَطْوَةً تَنْقَادُ لِيَ الْقُلُوبُ وَ الْاَرْوَاحُ‏ وَ تَنْخَشِعْ لَدَيَّ النُّفُوْسُ وَ الْاَشْبَاحُ يَا مَنْ ذَلَّتْ لَهٗ رِقَابُ الْجَبَابِرَةِ وَ خَضَعَتْ لَدَيْهِ اَعْنَاقُ الْاَكَاسِرَةِ لَا مَلْجَاَ وَ لَا مَنْجٰى مِنْكَ اِلَّا اِلَيْكَ وَ لَا اِعَانَةَ وَ لَا اتِّكَاءَ اِلَّا عَلَيْكَ‏ اِدْفَعْ عَنِّيْ كَيْدَ الْحَاسِدِيْنَ وَ ظُلُمَاتِ شَرِّ الْمُعَانِدِيْنَ وَ ارْحَمْنِيْ تَحْتَ سُرَادِقَاتِ عَرْشِكَ يَا اَكْرَمَ الْاَكْرَمِيْنَ اَيِّدْ ظَاهِرِيْ فِي تَحْصِيْلِ مَرَاضِيْكَ وَ نَوِّرْ قَلْبِيْ وَ سِرِّيْ بِالاِطِّلَاعِ عَلٰى مَنَاهِـجِ مَسَاعِيْكَ اِلٰهِيْ كَيْفَ اَصْدُرُ عَنْ بَابِكَ بِخَيْبَةٍ مِنْكَ وَ قَدْ وَرَدْتُهٗ عَلٰى ثِقَةٍ بِكَ‏ فَكَيْفَ تُؤْيِسُنِيْ مِنْ عَطَآئِكَ وَ فَضْلِكَ وَ قَدْ اَمَرْتَنِيْ بِدُعَائِكَ وَ هَا اَنَا مُقْبِلٌ عَلَيْكَ مُلْتَجِئٌ اِلَيْكَ‏ بَاعِدْ بَيْنِيْ وَ بَيْنَ اَعْدَائِيْ كَمَا بَاعَدْتَ بَيْنَ اَعْدَائِيْ وَ اِخْتَطِفْ اَبْصَارَهُمْ عَنِّيْ بِنُوْرِ قُدْسِكَ وَ جَلَالِ مَجْدِكَ‏ اِنَّكَ اَنْتَ اللهُ الْمُعْطِيْ جَلَائِلَ النِّعَمِ الْمُكَرَّمِ لِمَنْ نَاجَاكَ بِلَطَائِفِ رَأفَتِكَ‏ يَا حَيُّ يَا قَيُّومُ يَا ذَا الْجَلاَلِ وَ الْاِكْرَامِ‏ وَ صَلَّى اللهُ عَلٰى سَيِّدِنَا وَ نَبِيِّنَا مُحَمَّدٍ وَ آلِهٖ اَجْمَعِيْنَ الطَّيِّبِيْنَ الطَّاهِرِيْنَ.

O Lord, admit me into the ocean of your oneness and attach me onto the waves of your unity. And grant me strength through the force of your Uniqueness and of your kingdom until I reach the vast expanse of your all encompassing mercy. And let the rays of the radiance of your proximity glow on my face as a sign of your backing and support. Grant me awe through your awesomeness, dignity through your kindness and grant me majesty and splendor through your teachings and training. Clothe me with the attire of honor and acceptance and make easy for me the paths that lead to your nearness and intercession. Adorn me with the crown of glory and elegance and keep me; in this world and the hereafter; always attached to all those whom you love. Grant me through the radiance of your name, such awe and personality that the will and hearts of people turn obedient towards me and their bodies and souls remain humble towards me. O He before whom the tyrant is reduced to nothingness and the emperors remain lowered in submission, there is no refuge or salvation except with you and there exists no help except through you and there is no support or reliance except in you. Keep me distant from the treachery of the jealous and the dark mischief of my enemies and have mercy on me by granting me sanctuary in the shade of your many veiled throne. O the most Generous of all who are generous, strengthen my backbone to enable me to achieve all that which meets with your approval. Enlighten my heart and soul to enable me to seek the paths to your service. My Lord, how can I return empty handed from your doors when I have come to you with faith. How can you leave me disappointed when I am only obeying you as you have commanded me to supplicate to you? Now here I am in your presence and I request you to distance me from my enemies just like you have maintained a distance amongst my enemies. Blind their sights from me through your pure radiance and mighty honor. Indeed you are Allah who grants his immense blessings through favor and generosity to the one who gently implores you. O living guardian, O possessor of greatness and reverence and O Allah; send blessings on our leader and our prophet Muhammad and his pure and purified progeny.

32) Major aamal mentioned by Hazrat Rasullah (s.a.w.a.) for debt repayment

Sheikh Saduk has reported from Imam Mohammed Baqir (a.s.) who has narrated through the chain of his father and their fathers till Hazrat Amirul Moomineen (a.s.) who mentions that �I complained to the Holy Prophet (s.a.w.a.) regarding my debt and the Holy Prophet (s.a.w.a.) said: O Ali recite this dua,

اَللّٰہُمَّ اَغْنِنِیْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ بِفَضْلِكَ عَمَّنْ سِوَاكَ

even if there is a debt on you as much as the Koh-e-Sabeer (a mountain in Yemen), Allah (s.w.t.) will repay the same and in another narration it has been mentioned by Hazrat Imam Ali Reza (a.s.) that this dua should be recited 110 times after namaze subh. It has been experienced that in matters of debt repayment there is no other dua like this one but it is essential that the dua must be recited once after every namaz and in a situation of severity of debt and poverty this should be recited 110 times after namaze subh and it is better to recite this in the qunut of the namaz and then in the last sajdah of the namaz these phrases must be recited

يَا خَيْرَ الْمَسْئُوْلِيْنَ وَ يَا خَيْرَ الْمُعْطِيْنَ اُرْزُقْنِيْ وَ ارْزُقْ عَيَالِيْ مِنْ فَضْلِكَ فَاِنَّكَ ذُوْ الْفَضْلِ الْعَظِيْمِ.

33) Surah-e-Mubarak-e-Aale Imran

It has been mentioned by Hazrat Imam Jafar-e-Sadiq (a.s.) that for repayment of debt Surah-e-Aale Imran must be recited 13 times.

34) Aamal of �Fa sa yakfee kahomullaho�

If anyone recites this aayat 7 times after namaze subh without speaking with anyone then Almighty Allah (s.w.t.) will fulfill his desires of that day and if one keeps repeating this aayat after every obligatory namaz they will never become dependent on anyone and will attain all their desires.

فَسَيَكْفِيْكَہُمُ اللہُ۝۰ۚ وَھُوَالسَّمِيْعُ الْعَلِيْمُ۝۱۳۷ۭ

So Allah will suffice you against them, and He is the Hearing, the Knowing.[12]

35) Another aamal for debt repayment

Recite these asmaa (names) of Allah 12000 times with the intention of debt repayment

يَا قَوِيُّ يَاغَنِيُّ يَا عَلِيُّ يَا وَفِيُّ.

36) For debt repayment

This should be recited 100 times for 10 days. It has been experienced that debt will get repaid

يَا خَفِيَّ الْاَلْطَافِ نَجِّنَا مِمَّا نَخَافُ يَا لَطِيْفُ اَدْرِكْنِيْ بِلُطْفِكَ الْخَفِيِّ.

37) A recommendation for debt repayment by Abu Saeed Abul Khair

Abu Saeed Abul Khair has mentioned that for debt repayment, recitation of these couplets 14 times every night (as per the 14 infallibles) is highly effective.

اي واحد بي مثال معبود غنى

O the One, the Unique, All-Sufficient Lord.

وي رازق پادشاه و درویش و غنی

O Sustainer and Emperor and Ascetic and All-Sufficient.

یا قرض من از خزانه غیب رسان

Either repay my debt through Your hidden treasures.

یا از كرم خودت مرا ساز غنی

Or through Your Generosity make me self sufficient.

38) Debt repayment of this world as well as of the hereafter

It has been reported in Maani ul Akhbar that Abdullah ibn Fazl mentioned in the presence of Hazrat Imam Jafar-e-Sadiq (a.s.) �Maula there is a great debt upon me and I have a large household as well. I don�t even have the means to travel for Hajj. Please teach me such a supplication that all my problems get solved. Hazrat (a.s.) said �recite this after every obligatory namaz

اَللّٰہُمَّ صَلِّ عَلٰی مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اقْضِ عَنِّیْ دَیْنَ الدُّنْیَا وَ الْآخِرَۃِ.

Abdullah asked �Maula I understand regarding the debt of this world but what does the debt of hereafter mean?� Hazrat replied, �the Hajj of Allah�s House�.

39) Aamal of Aaya-e-�Wa man yattaqillah�.�

Janabe Abuzar-e-Ghaffari has reported from Hazrat Rasulullah (s.a.w.a.) that Hazrat mentioned �There is an Aayat(verse) in the Holy Quraan which is such that if people learn this Aayat and utilize it correctly then all their desires will be fulfilled.� Then He (s.a.w.a.) recited the Aayat

وَمَنْ يَّـتَّقِ اللہَ يَجْعَلْ لَّہٗ مَخْرَجًا۝۲ۙ وَّيَرْزُقْہُ مِنْ حَيْثُ لَا يَحْتَسِبُ۝۰ۭ وَمَنْ يَّتَوَكَّلْ عَلَي اللہِ فَہُوَحَسْبُہٗ۝۰ۭ اِنَّ اللہَ بَالِغُ اَمْرِہٖ۝۰ۭ قَدْ جَعَلَ اللہُ لِكُلِّ شَيْءٍ قَدْرًا۝۳

a few times�

The aamal of Aayate Wa man yattaqillah����.is to be performed like this:

Start on a Monday and recite this aayat 153 times for 39 days. On the 40th day recite the same 173 times. This aamal is highly effective for increase in sustenance, prosperity in wealth and attainment of self sufficiency and has been tried and tested

40) Namaz for achieving debt repayment, increase in sustenance and self sufficiency

If anyone recites 2 rakats of namaz with the intention of debt repayment, increase in sustenance, self sufficiency or for any other desire in this manner:-

Keep a fast on Thursday or Friday, and recite salwaat 100 times at any time on that day and then recite 2 rakats of namaz. In each rakat after Surah Hamd, recite Aayatul Qursi 15 times, Surah Tauheed 25 times and immediately on completing the namaz, remaining seated and without any interruption recite Ya Wahhab 41000 times; their dua will definitely be accepted. This has been successfully experienced many times.

Also if someone recites this �ism� (name of Allah), Ya Wahhabo, 14 times in a single breath after every namaz in sajda-e-shukr they will become free of need.

41) Aamal of the Aayat �Allaho lateefun bi Ibadihi��

For debt repayment, to get released from prison, protection from the mischief of enemies, staying away from grief and worries or for any other purpose if anyone recites this Quranic verse 70000 times they will surely attain their desire.

اَللہُ لَطِيْفٌۢ بِعِبَادِہٖ يَرْزُقُ مَنْ يَّشَاۗءُ۝۰ۚ وَہُوَالْقَوِيُّ الْعَزِيْزُ۝۱۹ۧ

Allah is Benignant to His servants; He gives sustenance to whom He pleases, and He is the Strong, the Mighty.[13]

42) Another aamal of the same Aayat

If anyone recites this same Aayat (of No. 41) 1000 times for the purpose of debt repayment they will attain their goal quicker than they imagined.

43) Aamal of four Surahs

If someone continuously recites Surah-e-Waquiah, Surah-e-Muzzammil, Surah-e-Wal Lail and Surah-e-Alam Nashrah (Al-Inshirah) everyday for 40 days in this same sequential order with the intention of debt repayment, it has been successfully experienced that they will attain their purpose. After recitation of each Surah every day this dua should also be recited

يَا رَازِقَ السَّائِلِيْنَ يَا رَاحِمَ الْمَسَاكِيْنَ يَا وَلِيَّ الْمُؤْمِنِيْنَ يَا غِيَاثَ الْمُسْتَغِيْثِيْنَ يَا اَرْحَمَ الرَّاحِمِيْنَ صَلِّ عَلٰی مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ اكْفِنِیْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ بِطَاعَتِكَ عَنْ مَعْصِیَتِكَ وَ بِفَضْلِكَ عَمَّنْ سِوَاكَ یَا اِلٰہَ الْعَالَمِیْنَ وَ صَلَّی اللہُ عَلٰی مُحَمَّدٍ وَ آلِہِ الطَّاہِرِیْنَ.

44) Aamal of Surah-e-Talaq

If this Surah (Quranic chapter) is recited 21 times with the intention of debt reduction it is beneficial and effective and has been tried and tested. Moreover for obtaining release from prison this Surah should be recited the same number of times. For increase in sustenance one must perform ablution (wuzu), sit facing the Holy Ka�aba (qiblah) and recite this Surah 3 times in a single sitting without talking to anyone in order to derive its benefit.

45) A supplication taught by Ayatullah Marashi Najafi for debt repayment

The narrator says �I once went in the presence of Ayatullah Marashi Najafi who asked me as to why I appeared so sad and worried. I replied that I was debt ridden and because of this stress I couldn�t sleep at night and this often caused me to miss offering Namaze Subh on time. He replied,�Recite this �

اَللّٰهُمَّ اَغْنِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَ بِفَضْلِكَ عَمَّنْ سِوَاكَ

daily after every namaz�. I inquired if this aamal was sufficient for the heavy debt that was upon me to which he recommended that after namaze subh I should recite the same 110 times. I did exactly that and in a short while all my debts were repaid. I taught this aamal to many others who also performed it and achieved success.

46) The loftiness of the name of Hazrat Ali (a.s.)

This has been narrated from Janabe Ammar-e-Yasir who was a close companion of the Holy Prophet (s.a.w.a.). He says that �Once I was honored to be in the presence of my Maula Amirul Moomineen Ali ibn Abi Talib (a.s.). Hazrat asked �why are there signs of worry and grief on your face O Ammar-e-Yasir?�Before I could reply Maula pointed to a stone that was lying nearby and commanded me to pick it up and repay my debts with it. I said, �Maula this is nothing more than a stone, how can debt be repaid with this stone �. Maula told me to invoke Allah to change this stone to gold. I said �How will this stone turn to gold on my hands even if I invoke Allah.� Maula replied, �O one of feeble conviction. Make me your intercessor in the presence of Allah and say, �Ya Allah turn this into gold for the sake of Ali and it will become gold. The iron that turned soft for Hazrat Dawood (a.s.) was also made so through my intercession. Hazrat-e-Dawood (a.s.) would make me the intercessor before Allah (s.w.t.) saying �Ya Allah make this iron soft for the sake of the Haqq of Ali (a.s.)� and it would become soft. Hence whoever asks Allah (s.w.t.) for anything through my intercession, they will achieve it.

I prayed to Allah to turn the stone to gold for the sake of Ali (a.s.) and it turned to gold. I took from that gold the quantity of it that was sufficient for the repayment of my debt leaving the remainder there. Maula (a.s.) told me to once again invoke Allah for his sake to return the left over gold to stone. I did so and the remaining gold turned back to stone.

47) Aamal of Istegfar taught by Hazrat Ayatullah Kashmiri

Hazrat Ayatullah Kashmiri who was an eminent theological scholar was asked by one of his students as to what was the best dhikr (invocation) he could recite during the university holiday season. Ayatullah instructed him to recite istegfar 30000 times. He recommended that this be divided into 3000 times every day for 10 days and for those who were not used to such a lengthy repetition, they may recite it 1001 times daily. He also said that this dhikr was very beneficial for the repayment of debt.

48) Aamal of Surah-e-Mubarake Al Hamd for debt repayment

For overcoming of every difficulty and for acceptance of every desire especially for debt repayment, Surah-e-Al Hamd must be recited 41 times at the same spot and at the same time of day for 41 consecutive days. If either the time or place or days are amiss, then the entire Aamal must be started from the beginning all over again. By the Grace of Allah (s.w.t.) the results will be apparent in the first week itself but even if the desired result is achieved earlier the entire Aamal must be completed as indicated. Furthermore it is better if for this Aamal �Bismillahir Rahmaanir Raheem and Alhumdolillahe Rabbil Aalameen� are recited together as one.

49) Tradition narrated by Allama Sheikh Tusi (r.a.) for the repayment of debt

A person arrived in the presence of Imam Jafar-e-Sadiq (a.s.) and said �O my Maula (Master). I have come before you with a complaint about a large debt that is upon me and also about a tyrant ruler who has made life extremely difficult for me. I request you to teach me a dua due to which I may obtain a lot of wealth, get free from my debt and also remain protected from the oppression of the tyrant.�

Imam (a.s.) said �When it gets dark, recite 2 rakats of Namaz. In the first rakat after Surah-e-Hamd recite Aayatal Qursi and in the second rakat after Surah-e-Hamd recite the last Ayaat of Surah-e-Hashr �

لَوْ اَنْزَلْنَا ہٰذَا الْقُرْاٰنَ عَلٰي جَبَلٍ لَّرَاَيْتَہٗ خَاشِعًا مُّتَصَدِّعًا مِّنْ خَشْـيَۃِ اللہِ۝۰ۭ وَتِلْكَ الْاَمْثَالُ نَضْرِبُہَا لِلنَّاسِ لَعَلَّہُمْ يَتَفَكَّرُوْنَ۝۲۱ ہُوَاللہُ الَّذِيْ لَآ اِلٰہَ اِلَّا ہُوَ۝۰ۚ عٰلِمُ الْغَيْبِ وَالشَّہَادَۃِ۝۰ۚ ہُوَالرَّحْمٰنُ الرَّحِيْمُ۝۲۲ ہُوَاللہُ الَّذِيْ لَآ اِلٰہَ اِلَّا ہُوَ۝۰ۚ اَلْمَلِكُ الْقُدُّوْسُ السَّلٰمُ الْمُؤْمِنُ الْمُہَيْمِنُ الْعَزِيْزُ الْجَبَّارُ الْمُتَكَبِّرُ۝۰ۭ سُبْحٰنَ اللہِ عَمَّا يُشْرِكُوْنَ۝۲۳ ہُوَاللہُ الْخَالِقُ الْبَارِئُ الْمُصَوِّرُ لَہُ الْاَسْمَاۗءُ الْحُسْنٰى۝۰ۭ يُسَبِّحُ لَہٗ مَا فِي السَّمٰوٰتِ وَالْاَرْضِ۝۰ۚ وَہُوَالْعَزِيْزُ الْحَكِيْمُ۝۲۴ۧ

after the namaz, keep the Quraan upon your head and say

بِحَقِّ هٰذَا الْقُرْآنِ وَ بِحَقِّ مَنْ اَرْسَلْتَہٗ بِہٖ وَ بِحَقِّ كُلِّ مُؤْمِنٍ مَدَحْتَہٗ فِیْہِ وَ بِحَقِّكَ عَلَیْہِمْ فَلَا اَحَدَ اَعْرَفُ بِحَقِّكَ مِنْكَ.

بِكَ يَا اَللهُ	____________	10 times
بِمُحَمَّدٍ	____________	10 times
بِعَلِيٍّ	____________	10 times
بِفَاطِمَةَ	____________	10 times
بِالْحَسَنِ	____________	10 times
بِالْحُسَيْنِ	____________	10 times
بِعَلِيِّ بْنِ الْحُسَيْنِ	____________	10 times
بِمُحَمَّدِ بْنِ عَلِيٍّ	____________	10 times
بِجَعْفَرِ بْنِ مُحَمَّدٍ	____________	10 times
بِمُوْسَي بْنِ جَعْفَرٍ	____________	10 times
بِعَلِيِّ بْنِ مُوْسٰی	____________	10 times
بِمُحَمِّدِ بْنِ عَلِيٍّ	____________	10 times
بِعَلِيِّ بْنِ مُحَمَّدٍ	____________	10 times
بِحَسَنِ بْنِ عَلِيٍّ	____________	10 times
بِالْحُجَّةِ	____________	10 times

Then invoke Allah for your needs�. The narrator mentions that after a period of time that person returned and said that his debt had been paid, the problem with the tyrant ruler was resolved and his wealth had increased.

50) Aamal of �Fallaho khairan haafezan�

For keeping enemies away, for the purpose of debt repayment,for getting rid of illness, for fulfillment of desires, for achieving respect and for every other purpose, one should recite the following Aayat

فَاللہُ خَيْرٌ حٰفِظًا۝۰۠ وَّہُوَاَرْحَمُ الرّٰحِمِيْنَ۝۶۴

3330 times in a single sitting. If it is not possible to do so in one sitting, then it may be recited as per convenience.

51) Aamal of �Hasbeyallahul Haseeb� for debt repayment.

It has been narrated in traditions that for protection from the evils of enemies, thieves, bad neighbors or bad companions. Or for protection from difficulties while travelling or relief from debt or from the mischief of animals one must fast for a week starting from a Thursday until the coming Wednesday and in these days or nights recite 77 times

حَسْبِيَ اللهُ الْحَسِيْبُ

Inshallah relief from these problems will be achieved.

52) Aamal of Allah�s name �Ya Wahhab�

For repayment of debt, for increase in sustenance and to attain wealth one must fast either on a Thursday or Friday and recite 2 rakats of namaz. Before commencing the namaz, salawat must be recited 100 times. The intention (niyyat) of the namaz should be specifically for the purpose of resolving the problem in question. In both the rakats after Surah-e-Al Hamd, 11 times Ayatal Qursi and 25 times Surah Ikhlas must be recited. On completion of the namaz يَا وَهَّابُ must be recited 41000 times and after that one must invoke Allah for fulfillment of their desires. Inshallah one�s objective will surely be attained. One must avoid speaking to anyone until the completion of the entire Aamal.

53) Aamal of Allah�s name �Al-Hakeem�

It has been narrated from Hazrat Imam-e-Reza (a.s.), that His Eminence mentioned, �For achieving ease and comfort in any difficult affair whosoever recites اَلْحَكِيْمُ many times will find their affairs becoming smooth and easy.�Learned scholars have mentioned that in this name of Allah there are many wondrous and amazing secrets. There is a solution for every problem in this Ism (name).Any matter that needs to be opened or shut can be done with this name. For repayment of debt, for emerging out of poverty and neediness and for increase in sustenance, this name of Allah is very effective.

54) Allah�s name Al Mateen

If one�s faith and trust in Allah is not strong enough then recitation of اَلْمَتِيْنُ 366 times will strengthen their faith and conviction in Allah (s.w.t.). For repayment of debt too this Ism should be repeated 366 times.

55) Tawassul (intercession) of Hazrat Muhammad (s.a.w.a.) and Hazrat Ali (a.s.)

This Tawassul is the cure for all problems. There is a tradition of Abul Hasan (a.s.) narrated by Suma�a that�

�O Suma�a whenever you encounter some desperate need then recite�

اَللّٰهُمَّ اِنِّيْ اَسْاَلُكَ بِحَقِّ مُحَمَّدٍ وَ عَلِيٍّ فَاِنَّ لَهُمَا عِنْدَكَ شَاْنًا مِنَ الشَّاْنِ وَ قَدْرًا مِنَ الْقَدْرِ فَبِحَقِّ ذٰلِكَ الشَّاْنِ وَ بِحَقِّ ذٰلِكَ الْقَدْرِ اَنْ تَفْعَلَ بِيْ (كَذَا وَ كَذَا)[14]

and state your needs�.

On the day of qayamat every angel, prophet, messenger and faithful mo�omin will be in desperate need of the help of these two personalities.

56) Taqeebat (recitation after obligatory namaz) for attaining wealth and for fulfillment of desires

Ibne Abi Umair has narrated from Moawiah ibn Ammar (companion of Imam Sadiq (a.s.))

Whoever recites the following 3 times after every namaze wajib

يَا مَنْ يَفْعَلُ مَا يَشَاءُ وَ لَا يَفْعَلُ مَا يَشَاءُ اَحَدٌ غَيْرُهٗ

Whatever they may ask from Allah (s.w.t.) will be granted to them.

57) Final Words � the major virtue in the giving of loan

Sahl bin Ziad has copied this narration through Ahmad bin Hasan bin Ali who narrates from his father who narrates from Oukba bin Khalid who says �Once myself, Moalla and Osman bin Imran arrived in the presence of Abu Abdillah Imam Jafar e Sadiq (a.s.).When Imam (a.s.) saw us he said:

Welcome, welcome O the faces that like us and are liked by us, may Allah (s.w.t.) keep you near us in this world and in the hereafter. Then Osman said: May I be sacrificed for you and Imam (a.s.) said: Speak. Osman said: I am a man of limited means; to which Imam (a.s.) said: May Allah (s.w.t.) grant you abundance and ease. He said: People come to me for help at a time when it is still early for me to pay the annual zakaat (poor rate) so I am unable to help them. Imam (a.s.) said: The giving of loan to the needy consists of 18 parts of virtue near us while the giving of charity has 10 parts. When someone in need asks you for aid then give him the money he requires as a loan. Then when the time for your annual zakat arrives then write off that loan as your zakat payment. O Osman never let a mo�omin return empty handed as this is an extreme act near Allah (disliked by Allah). O Osman if you only knew the position and value that the act of helping a faithful believer holds near Allah you would never ever be slack in doing so. The one who makes a mo�omin happy it is as if he has made the Holy Prophet (s.a.w.a.) happy and fulfilling the request of a faithful believer protects one from the illnesses of lunacy, leprosy and leucorrhea (white spots on skin).

 

DEBT   الدّين   HADITH

Beware of Debt

1ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): إيّاكم والدَّينَ ، فإنّه هَمٌّ بِالليلِ وذُلٌّ بالنهارِ.

1� The Prophet (SAWA) said, �Beware of debt for verily it is a source of anxiety in the night and a source of disgrace during the day.�[Bihar al-Anwar, v. 103, p. 141, no. 4]

2ـ الإمامُ عليٌّ (عَلَيهِ الّسَلامُ): كَثرَةُ الدَّينِ تُصَيِّرُ الصادِقَ كاذِباً والمُنجِزَ مُخْلِفاً.

2� Imam Ali (AS) said, �Copious debts transform the truthful man into a liar and an achiever into one who is unreliable.�[Ghurar al-Hikam, no. 7105]

3ـ الإمامُ الصّادقُ (عَلَيهِ الّسَلامُ): خَفِّفوا الدَّينَ ، فإنّ في خِفَّةِ الدَّينِ زيادَةَ العُمُرِ.

3� Imam al-Sadiq (AS) said, �Lighten your debts, for verily with little debt comes longer life.�[Bihar al-Anwar, v. 103, p. 145, no. 21]

جوازُ الاستِدانَةِ مَعَ الحاجَةِ

Permission to Incur Debt when in Need

4ـ الإمامُ الكاظمُ (عَلَيهِ الّسَلامُ): مَن طَلَبَ هذا الرِّزقَ مِن حِلِّهِ لِيَعودَ بهِ عَلى نفسِهِ وعِيالِهِ كانَ كالمُجاهِدِ في سبيلِ اللّه‏ِ عزّ وجلّ ، فإن غَلَبَ علَيهِ فَلْيَستَدِنْ عَلَى اللّه‏ِ وعَلى رسولِهِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ) ما يَقوتُ بهِ عِيالَهُ.

4� Imam al-Kazim (AS) said, �One who seeks to gain sustenance for himself and his family in a lawful manner is as the one who fights in the way of Allah. But if he is unable to do so he may incur debt, trusting in Allah and His Prophet, in order to ensure provisions for his family.�[al-Kafi, v. 5, p. 93, no. 3]

الحَثُّ عَلى كِتابَةِ الدَّينِ

Encouragement to Write a Contract for Any Loan

5ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): أصنافٌ لا يُستَجابُ لَهُم ، مِنهُم مَن أدانَ رَجُلاً دَيناً إلى أجَلٍ فلَم يَكتُبْ علَيهِ كِتاباً ولَم يُشهِدْ علَيهِ شُهُوداً.

5� The Prophet (SAWA) said, �There are certain types of people whose supplications are not answered. From among them is the man who lends money to someone for a specified time and neither writes it down nor has anyone witness it.�[Bihar al-Anwar, v. 104, p. 301, no. 1]

النَّهيُ عَنِ المُماطَلَةِ فِي الدَّينِ

Prohibition of the Postponement of Repaying Debts

6ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): مَن يَمطُلْ على ذِي حَقٍّ حَقَّهُ وهُو يَقدِرُ على أداءِ حَقِّهِ فعلَيهِ كُلَّ يومٍ خَطيئةُ عَشّارٍ.

6� The Prophet (SAWA) said, �Whoever postpones repaying someone their right while he is capable of doing has the sin of an extortionist written down for him as every day passes by.�[Bihar al-Anwar, v. 103, p. 146, no. 3]

7ـ رسولُ اللهِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): مَطْلُ الغَنِيِّ ظُلمٌ.

7� The Prophet (SAWA) said, �A wealthy man�s postponement [in repayment of a debt] is oppression.�[Mustadrak al-Wasail, v. 13, p. 397, no. 15713]

8ـ الإمامُ عليٌّ (عَلَيهِ الّسَلامُ): أبخَلُ الناسِ بِعَرَضِهِ أسخاهُم بِعِرضِهِ.

8� Imam Ali (AS) said, �The most miserly person with regards to his wealth is the most liberal in squandering away his reputation.�[Ghurar al-Hikam, no. 3190]