STOP ALL SPENDING IMMEDIATELYThese funds belong to the deceased's creditors until the debt is paid. Any unauthorized spending delays Ammi's soul from rest.
Estate of Qaiser Sultana
تركة قيصر سلطانہ رحمها الله
Financial Ledger & Debt Settlement Status — Updated December 2025
"The soul of the believer is suspended by his debt until it is paid off."
Sunan at-Tirmidhī 1078 • Graded Ṣaḥīḥ by Al-Albānī in Ṣaḥīḥ Sunan at-Tirmidhī & Ṣaḥīḥ al-Jāmi' 6779
📊 WHERE DID THE ESTATE GO?
Original estate: ₨12,476,494 (~$43,022 USD) — showing how spending has cut into what should pay the debt
DEBT OWED $31,567
SPENT $12,067
−$566
Debt to Creditors: $31,567
Already Spent (Tickets): $12,067
Deficit (Over Budget): −$566
⚠️ DEBT PAYMENT STATUS — NOT YET PAID
$4,955 PAID
$26,612 REMAINING
Total Debt (50% of mortgage)$31,567
Wired to US$4,955
Still Required$26,612
🚨 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 from these funds is Ḥarām and delays Ammi's relief.
📜 THESE FUNDS ARE NOT INHERITANCE YET
Until the debt is paid in full, there is NO inheritance to distribute. The estate belongs to the creditor first.
"When Abu Qatadah رضي الله عنه paid off the debt of a deceased man, the Prophet ﷺ said: 'الآنَ بَرَدَتْ عَلَيْهِ جِلْدُهُ' — 'Now his skin has become cool.'"
Musnad Aḥmad 14536 — Authenticated by Shu'ayb al-Arna'ūṭ
Mother's Debt (50%)
$31,567
Based on $63,134 mortgage balance
Already in US
$4,955
Wire received Sep 2025
PKR Estate (Net)
$23,448
After ~4.5% transfer fees
Shortfall
−$566
To be covered
⚠️ WIRE TRANSFER FEE ANALYSIS
Transfer costs are approximately 4.5% of total value. This accounts for: bank wire fees (~$25-50 per transfer), currency exchange spread (mid-market to retail rate difference ~3-4%), and intermediary bank fees (~$15-25). PKR liquidity has improved following the IMF deal, making transfers more viable than they were in early 2024.
⚠️ FIXED DEPOSIT INTEREST — RIBĀ RULING
The ₨5,000,000 fixed deposit will mature Dec 31, 2025. Any interest (ribā) earned must be disposed of properly — it cannot be used for the debt payment or counted as estate funds. Only the principal amount should be transferred. The interest should be given to the poor without expectation of reward.
🇵🇰 Pakistan Accounts (Allied Bank)
₨7.1M Total
MAIN ACCOUNT (...0028)
Current Balance₨1,894,574
USD Equivalent$6,533
StatusFROZEN FOR DEBT
SECONDARY ACCOUNT (...0014)
Current Balance₨225,973
USD Equivalent$779
StatusFROZEN FOR DEBT
FIXED DEPOSIT
Principal Amount₨5,000,000
Maturity DateDec 31, 2025
USD Equivalent$17,241
Interest (Ribā)MUST BE DISPOSED
🇺🇸 US Holding Account (Millennium Bank)
$4,955
WIRE TRANSFER RECEIVED
Amount Sent (PKR)₨1,450,000
Exchange Rate290 PKR/USD
Amount Received (USD)$4,955
Wire Fees−$45
PurposeDEBT PAYMENT
Gap Reconciliation
Jan 2024 → Jul 2025
✅ 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
Accounts Receivable
Reimbursements
From
Description
Amount
Status
Hira
Outstanding balance
₨40,000 (~$138)
TBD
Bhai
Qurbani reimbursement
$1,165
Confirmed
Bhai
Zakaat reimbursement
$690
Confirmed
Bhai
Beach House reimbursement
$743
Confirmed
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
SHORTFALL−$566
📜 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