⛔
STOP ALL SPENDING IMMEDIATELY These funds belong to the deceased's creditors until the debt is paid. Any unauthorized spending delays the soul from rest.

Estate Ledger

قيصر سلطانہ رحمها الله
Debt Settlement & Inheritance Accounting • Updated 12/05/2025 11:51 PM CST
نَفْسُ المُؤْمِنِ مُعَلَّقَةٌ بِدَيْنِهِ حَتَّى يُقْضَى عَنْهُ
"The soul of the believer is suspended by his debt until it is paid off."
Sunan at-Tirmidhi 1078 • Graded Ṣaḥīḥ by Al-Albānī in Ṣaḥīḥ Sunan at-Tirmidhi & Ṣaḥīḥ al-Jāmi' 6779

⚠️ Debt Payment Status — NOT YET PAID

$4,955 PAID
$26,612 UNPAID
Total Debt Owed $31,567
Pakistan Funds (Frozen) ₨7,120,547
Percentage Unpaid 84.3%

🚨 CRITICAL: No Purchases Until Debt is Cleared

The estate funds in Pakistan (₨7.1M) are NOT available for personal use. Under Islamic law, these funds belong to the mortgage creditor until the debt is fully settled. Any spending delays the transfer and prolongs the soul's suspension.

📜 These Funds Are NOT Inheritance — Sharī'ah Reminder

Until the debt ($31,567) is fully paid, the estate funds do not belong to the heirs. They are held in trust for the creditor. Spending these funds on personal expenses before the debt is settled is impermissible.

"The inheritance cannot be divided until the debt they owe is settled... the inheritance is not divided until the debt owed by them is paid." — Fatwa OF-000596, Dubai Islamic Affairs, Council of Senior Scholars
Allah says: "...after any bequest he may have made or debt..." — The debt is mentioned alongside the bequest, and both must be fulfilled before inheritance is distributed. — Qur'ān 4:11-12, repeated four times in the inheritance verses
Mother's Debt (50% of Mortgage)
$31,567
Total mortgage: $63,134 as of Dec 3, 2025
Already Transferred to US
$4,955
Received Oct 31, 2025 • Millennium Bank
Remaining PKR Estate
₨7.12M
≈ $23,448 after fees @ 290 PKR/USD
⚠️ Still Owed to Creditors
$26,612
84.3% of debt remains UNPAID

Current Account Balances

As of Nov 21, 2025

🇵🇰 Pakistan Accounts (Allied Bank)

Main Account (...0028) ₨1,894,574
Secondary Account (...0014) ₨225,973
Fixed Deposit (matures Dec 31) ₨5,000,000
Total PKR Available ₨7,120,547

🇺🇸 US Holding Account (Millennium Bank)

Account ending ...1791 $4,955.00
Wire received Oct 31, 2025
Status Cleared
Ready for Debt Payment $4,955.00

⚠️ Fixed Deposit Interest — Ribā Ruling

The Allied Bank "Special Savings Plan" is a conventional fixed deposit that pays interest (ribā). According to Salafi scholars, this interest is ḥarām and cannot be used for personal benefit or to pay the deceased's debt.

Any interest earned will be disposed of by giving it to the poor — not as ṣadaqah seeking reward, but to rid oneself of the ḥarām. Only the principal (₨5,000,000) will be used for debt payment.

"With regard to the interest that the bank gives to you, do not give it back to the bank and do not keep it, rather spend it on charitable causes such as giving it to the poor..." — Shaykh 'Abd al-'Azīz ibn Bāz (رحمه الله), Fatāwā Islāmiyyah 2/407

⚠️ Wire Transfer Fee Analysis

PKR Sent by Uncle (Sep 26, 2025) ₨1,450,000
Bank Rate (TT Selling) 290 PKR/USD
Theoretical USD at 290 $5,000.00
Actual USD Received $4,955.00
Wire Fees & Losses −$45.00 (0.9%)
Projected Total Loss (FX + Fees) −$1,097
ℹ️ Fee Methodology The first wire lost 0.9% to fees, plus the bank's TT rate of 290 vs mid-market ~280 adds ~3.4% spread. Combined losses are approximately 4.3% of theoretical value.

Accounts Receivable (Reimbursements)

To Be Collected
From Description Amount (PKR) USD Equiv Status
Bhai Qurbani expense — will deposit USD directly ₨337,784 $1,165 To Deposit
Bhai Zakaat expense reimbursement ₨200,000 $690 Will Reimburse
Bhai Beach house costs (estate + family portion) ₨215,500 $743 Will Reimburse
Aba Qurbani expense (to be determined) ₨337,784? $1,165? TBD
Total Receivables (Confirmed) ₨753,284 $2,598

Opening Balance Reconciliation

Verified
✅ Gap Explained Between the bank's opening balance (₨12,476,494 on Jan 12, 2024) and uncle's ledger start (₨7,060,350 on Jul 17, 2025), the gap is reconciled through Fixed Deposit transfer, Qurbani, and Zakaat expenditures.
Transaction Amount (PKR) Status Notes
Bank Opening Balance (Jan 12, 2024) 12,476,494 Confirmed From bank system
Transfer to Fixed Deposit 5,000,000 Confirmed Matures Dec 31, 2025
Bhai's Qurbani 337,784 Confirmed Will reimburse $1,165 USD
Bhai's Zakaat 200,000 Confirmed Will reimburse
Aba's Qurbani ~337,784? TBD Awaiting confirmation
Uncle's Ledger Start (Jul 17, 2025) 7,060,350 Confirmed Matches ledger

Complete Transaction Ledger

Main Account ...0028
Date Description Debit (−) Credit (+) Balance
17-Jul-2025 Opening Balance per Ledger 7,060,350 7,060,350
24-Sep-2025 Transfer to Secondary Account for tickets 3,000,000 4,060,350
26-Sep-2025 Hamida Ticket — Cheque to 5th Pillar Travel 630,585 3,429,765
26-Sep-2025 Wire Transfer to US — $5,000 @ 290 1,450,000 1,979,765
27-Sep-2025 Hamida Seat Change 90,700 1,889,065
22-Oct-2025 Guest House — Estate portion 175,500 1,713,565
~24-Oct-2025 Return from Secondary (unused funds) 221,800 1,935,365
21-Nov-2025 Current Balance 1,894,574

Ticket Expenditure Breakdown

₨3.5M Total
Beneficiary Date Amount (PKR) USD Equiv Account
Family Tickets (2 cheques) 24-Sep-2025 2,778,200 $9,580 ...0014
Hamida 26-Sep-2025 630,585 $2,175 ...0028
Hamida (Seat Change) 27-Sep-2025 90,700 $313 ...0028
Total Ticket Expenses 3,499,485 $12,067

Final Debt Coverage Calculation

Summary

Total Estate Funds Available

Main Account (...0028) ₨1,894,574
Secondary Account (...0014) ₨225,973
Fixed Deposit (principal only) ₨5,000,000
Total PKR ₨7,120,547
USD Equivalent @ 290 $24,553
Less: Est. Fees (~4.5%) −$1,105
Net USD After Fees $23,448

Debt Coverage Breakdown

PKR Estate (net) $23,448
Already in US $4,955
Bhai's Qurbani (USD) $1,165
Bhai's Zakaat $690
Bhai's Beach House $743
Total Available $31,001
Mother's Debt $31,567
GAP (before Aba) −$566
If Aba reimburses +$1,165
SURPLUS (if Aba pays) +$599

📜 Sharī'ah Reference — Fatwa OF-000596

"The inheritance cannot be divided until the debt they owe is settled... Their debt should be paid off whether it comes from the inheritance they received from their father or from other sources they left behind... the inheritance is not divided until the debt owed by them is paid."
Dubai Islamic Affairs & Charitable Activities Department — Council of Senior Scholars
Fatwa No. OF-000596, dated 14 Rabī' al-Awwal 1446 AH (September 17, 2024)
Signed by: Ahmad Darwish Al-Mahiri, Chairman of the Council of Senior Scholars