Last Updated: 16 June 2026
Karz Utarne Ki Dua woh dua hai jo Rasoolullah ﷺ ne sikhayi thi, jisse karz se pareshaan log Allah se madad maang sakte hain — “Allahumma inni a’oozu bika minal hammi wal huzni…”
Karz ek aisi pareshani hai jo bas paison ki tangi nahi hoti — yeh raaton ki neend churati hai, dimaag mein chalti rehti hai, aur insaan ko andar se kamzor kar deti hai. Agar aap bhi aaj kal isi musibat se guzar rahe hain, to ghabraiye bilkul nahi. Islam mein iska ek bahut hi pyara aur asar wala hal diya gaya hai — Karz Utarne Ki Dua. Yeh dua sirf alfaaz nahi hai, balki khud Nabi-e-Kareem ﷺ ne sikhayi hai, aur sahabaon ne isse apne karz utarte dekha hai. Aaj hum aapko yeh dua, iska sahi tareeqa, aur iske peeche ki hikmat — sab kuch asaan zaban mein bataenge.
Karz Utarne Ki Dua: Quick Stats Table
| Tafseel | Maloomat |
|---|---|
| Dua Ka Naam | Karz Utarne Ki Dua (Hammi Wal Huzni Wali Dua) |
| Hadees Ka Hawala | Sahih Muslim, Hadees 2713 |
| Ravi (Riwayat Karne Wale) | Abu Saeed Al-Khudri / Abu Umama (RA) |
| Kis Waqt Padhein | Subah-Shaam, Har Namaz Ke Baad, Sone Se Pehle |
| Kitni Martaba | Subah-Shaam 100 baar, har namaz ke baad 11 baar (alag riwayaton mein) |
| Pehle Aur Baad Mein | Durood Shareef padhna zaroori |
| Sone Ke Waqt Ka Tareeqa | Seedhe haath ki karwat lekar dua padhna |
| Asar Ka Waqt | Allah ki marzi se, sabr ke saath amal zaroori |
Karz Utarne Ki Dua Kya Hai?
Sabse pehle yeh samajhna zaroori hai ke Karz Utarne Ki Dua asal mein kya hai. Yeh ek mashhoor dua hai jo Rasoolullah ﷺ ne apne sahabaon ko sikhayi thi, jab unhone dekha ke ek sahabi karz ki fikar mein bahut zyada pareshan the. Yeh dua sirf karz ke liye nahi, balki gham, sustee, dar, aur kanjusi se bhi nijaat dilane ke liye padhi jaati hai — yani yeh ek mukammal dua hai jo zindagi ke kayi musibaton ko door karti hai.
Hazrat Abu Umama (RA) se riwayat hai ke jab unhone yeh dua seekh kar padhi, to unki saari fikar khatam ho gayi aur Allah Ta’ala ne unka karz ada karwa diya. Yehi wajah hai ke aaj bhi karoron log Karz Utarne Ki Dua ko apne mushkil waqt mein padhte hain.
Karz Utarne Ki Dua In Arabic (Arabi Mein)
Asal dua Arabic mein hai, aur isse sahi tarah samajhna zaroori hai pehle padhne se pehle.
اَللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحُزْنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
Yeh hai woh asal Arabi alfaaz jinhe Nabi ﷺ ne khud sikhaya tha.
Karz Utarne Ki Dua In Hindi (Hindi Mein Pronunciation)
Agar aapko Arabi padhna mushkil lagta hai, to neeche Karz Utarne Ki Dua In Hindi transliteration diya gaya hai jisse aap asani se padh sakte hain:
“अल्लाहुम्मा इन्नी अउजूबि-क-मिनल हम्मि वल हुज़नि, व अउजूबि-क-मिनल अजिज़ि वल कस्लि, व अउजूबि-क-मिनल जुबनि वल बुखलि, व अउजूबि-क-मिन गलबतिद-दैनि व कहरिर रिजाल।”
Karz Utarne Ki Dua Hindi mein samajhna inn logon ke liye bahut zaroori hai jo Urdu ya Arabic script padhne mein comfortable nahi hain, lekin dil se yeh dua karna chahte hain. Karz Utarne Ki Dua Hindi Mein padhte waqt zaban ki sahi adaayagi ka dhyan rakhein, taake maa’ni mein koi farq na aaye.
Karz Utarne Ki Dua Ka Tarjuma (Meaning)
Is dua ka asaan tarjuma yeh hai: “Aye Allah! Main fikar aur gham se Teri panaah chahta hoon, aajizi (na-kaami) aur sustee se Teri panaah chahta hoon, dar aur kanjusi se Teri panaah chahta hoon, aur karz ke gaalib aane (haavi hone) se aur logon ke zulm se Teri panaah chahta hoon.”
Yeh dua sirf karz se nijaat ke liye nahi, balki ek mukammal duaa hai jo zindagi ki har woh pareshani door karti hai jo insaan ko kamzor banati hai — fikar, gham, sustee, dar, aur kanjusi.
Karz Utarne Ki Dua In English
Foreign mein rehne wale ya English-medium background ke logon ke liye, Karz Utarne Ki Dua In English transliteration yeh hai:
“Allahumma inni a’udhu bika minal-hammi wal-huzn, wa a’udhu bika minal-‘ajzi wal-kasal, wa a’udhu bika minal-jubni wal-bukhl, wa a’udhu bika min ghalabatid-dayni wa qahrir-rijal.”
Karz Utarne Ki Dua In English padhne se pehle, behtar yeh hai ke aap pehle Arabi text dekh kar sahi pronunciation seekhne ki koshish karein, kyunki transliteration mein kabhi-kabhi chhoti galtiyan ho sakti hain.
Karz Utarne Ki Dua In Urdu
Urdu padhne wale hazraat ke liye, yeh dua Urdu script mein bhi padhi ja sakti hai. Karz Utarne Ki Dua In Urdu asal Arabi script ke kareeb hoti hai, kyunki dono scripts mein kaafi similarity hai:
“اے اللہ! میں فکر اور غم سے، عاجزی اور سستی سے، بزدلی اور بخل سے، اور قرض کے غالب آنے اور لوگوں کے ظلم سے تیری پناہ چاہتا ہوں۔”
Karz Utarne Ki Dua Kitni Baar Padhna Chahiye?
Yeh ek bahut common sawaal hai jo har koi puchta hai — Karz Utarne Ki Dua Kitni Baar Padhna Chahiye? Mukhtalif riwayaton aur ulema ke mutabiq, iska jawab thoda alag-alag hai, lekin sabse zyada maqbool tareeqa neeche table mein diya gaya hai:
Padhne Ki Tadaad Table
| Waqt | Kitni Martaba |
|---|---|
| Subah (Fajr ke baad) | 100 martaba |
| Shaam (Maghrib se pehle ya Isha ke baad) | 100 martaba |
| Har Namaz Ke Baad | 11 martaba |
| Sone Se Pehle | Ek martaba (seedhe haath ki karwat lekar) |
| Dua Se Pehle Aur Baad | Ek-ek martaba Durood Shareef |
Karz Utarne Ki Dua Kitni Baar Padhna Chahiye is sawaal ka sabse aam jawab yeh hai ke aap apni soch aur waqt ke mutabiq, kam se kam 11 baar har namaz ke baad zaroor padhein, aur agar mumkin ho to subah-shaam 100-100 baar padhein.
Jaldi Karz Utarne Ki Dua: Asar Tez Karne Ke Tareeke
Agar aapko Jaldi Karz Utarne Ki Dua ka asar chahiye, to sirf dua padhna kaafi nahi — kuch aur amal bhi sath mein karna zaroori hai. Yeh tareeke neeche table mein diye gaye hain:
Jaldi Asar Ke Liye Amal Table
| Amal | Faida |
|---|---|
| Paanch waqt ki namaz ka pabandi | Dua ki qabuliyat ke chances badhte hain |
| Halal kamai par focus karna | Allah ki rehmat aur barkat aati hai |
| Sadaqa dena (jitna mumkin ho) | Karz ki musibat door hone mein madad milti hai |
| Sabr aur tawakkul rakhna | Mann shaant rehta hai, fikar kam hoti hai |
| Durood Shareef ki kasrat | Dua ki qabuliyat mein izafa hota hai |
| Astaghfar (maafi maangna) padhna | Gunahon ki maafi se rehmat barhti hai |
Jaldi Karz Utarne Ki Dua chahne walon ko yeh samajhna zaroori hai ke Allah ka waqt sabse behtar hota hai — kabhi-kabhi asar foran nahi dikhta, lekin sabr ke saath amal jaari rakhna hi sabse zyada zaroori hai.
Karz Utarne Ki Dua Ya Wazifa: Dono Mein Farq
Bahut log poochte hain — Karz Utarne Ki Dua Ya Wazifa, dono mein kya farq hai? Asal mein dono ek hi maqsad ke liye istemal hote hain, lekin tareeqa thoda alag hota hai.
Dua Vs Wazifa Comparison Table
| Aspect | Dua | Wazifa |
|---|---|---|
| Tareeqa | Seedha Allah se talluq, free-form bhi ho sakti hai | Mukarrar (fixed) tadaad mein roz padhna |
| Misal | “Allahumma inni a’oozu…” | “Allahumma kafini bihalalika…” 100 baar |
| Waqt | Kabhi bhi, lekin subah-shaam behtareen | Roz ek fixed waqt par |
| Niyat | Madad maangna | Mustaqil amal se asar paida karna |
Karz Utarne Ki Dua Ya Wazifa dono hi tareeke Islam mein jaaiz aur asar-dar mane jaate hain. Aap apni soch aur sahuliyat ke mutabiq dono mein se kisi ek ya dono ko apna sakte hain.
Karz Utarne Ka Wazifa: Ek Aur Tareeqa
Iske ilawa, ek aur mashhoor wazifa hai jo karz se nijaat ke liye padha jaata hai: “Allahumma kafini bihalalika an haramika wa aghnini bifadlika amman siwaka” — yani “Aye Allah! Mujhe Apne halal se woh kaafi kar de jo haraam se bachaye, aur Apne fazl se mujhe ghani kar de taake mujhe kisi aur ki zaroorat na rahe.”
Is wazife ko subah-shaam 100 martaba padhne ki salaah di jaati hai, aur har baar padhne se pehle aur baad mein ek-ek martaba Durood Shareef padhna chahiye.
Karz Utarne Ki Dua Hindi Me: Common Galtiyan Jo Log Karte Hain
Bahut log Karz Utarne Ki Dua Hindi Me padhte waqt kuch aam galtiyan kar dete hain jo asar ko kam kar sakti hain. Yeh galtiyan neeche table mein dikhayi gayi hain:
Common Galtiyan Table
| Galti | Sahi Tareeqa |
|---|---|
| Sirf dua padh kar mehnat na karna | Dua ke sath halal kamai ki koshish bhi zaroori hai |
| Durood Shareef chhod dena | Hamesha dua se pehle aur baad mein Durood padhein |
| Bina wuzu ke padhna | Mumkin ho to wuzu karke padhna behtar hai |
| Jaldi mein, bina samjhe padhna | Maa’ni samajh kar dil se padhna zyada asar-dar hota hai |
| Sirf ek baar padh kar chhod dena | Mustaqil mizaaji (consistency) bahut zaroori hai |
Expert Insight: Karz Se Nijaat Ke Liye Sirf Dua Kaafi Hai Kya?
Yeh ek bahut important sawaal hai jo har koi sochta hai lekin shayad poochta nahi. Islam mein dua ek bahut bada zariya hai, lekin Allah ne insaan ko amal (mehnat) karne ka bhi hukum diya hai. Karz Utarne Ki Dua padhne ke saath-saath, agar aap apni financial situation ko sudharne ki koshish bhi karte hain — jaise budget banana, faltu kharch kam karna, ya halal zariye se extra kamai ki koshish karna — to dua ka asar aur bhi tez ho jaata hai.
Yeh samajhna zaroori hai ke dua aur amal dono saath chalte hain, ek dusre ke bina poora nateeja nahi milta. Jo log sirf dua par bharosa karte hain aur koshish chhod dete hain, unka safar lamba ho jaata hai, jabke jo dua aur mehnat dono karte hain, unka karz jaldi utarta hai — Allah ki marzi se.
Karz Utarne Ki Dua FAQs
1. Karz Utarne Ki Dua kya hai?
Karz Utarne Ki Dua woh dua hai jo Rasoolullah ﷺ ne sikhayi thi, jisse fikar, gham, sustee, dar, kanjusi aur karz se nijaat milti hai. Yeh Sahih Muslim ki hadees mein maujood hai.
2. Karz Utarne Ki Dua Kitni Baar Padhna Chahiye?
Karz Utarne Ki Dua Kitni Baar Padhna Chahiye iska jawab hai — har namaz ke baad 11 martaba, ya subah-shaam 100-100 martaba, apni sahuliyat ke mutabiq.
3. Jaldi Karz Utarne Ki Dua ka asar kab dikhta hai?
Jaldi Karz Utarne Ki Dua ka asar Allah ki marzi par hota hai. Mustaqil mizaaji se dua padhna, sabr rakhna, aur halal koshish jaari rakhna asar ko tez karta hai.
4. Karz Utarne Ki Dua In English mein kaise padhein?
Karz Utarne Ki Dua In English transliteration mein padhi ja sakti hai, lekin asal Arabi text se pehle sahi pronunciation seekhna behtar hota hai.
5. Karz Utarne Ki Dua Ya Wazifa, kaunsa behtar hai?
Karz Utarne Ki Dua Ya Wazifa dono hi asar-dar mane jaate hain. Dua seedha Allah se madad maangna hai, jabke wazifa ek fixed tadaad mein roz padha jaata hai.
6. Kya Karz Utarne Ki Dua Hindi Mein padhna sahi hai?
Haan, Karz Utarne Ki Dua Hindi Mein ya Karz Utarne Ki Dua Hindi Me padhna bilkul sahi hai, bas zaban ki sahi adaayagi ka dhyan rakhna zaroori hai.
Conclusion
To, yeh thi Karz Utarne Ki Dua ki mukammal jaankari — Arabic, Hindi, Urdu, aur English mein, sath mein iska sahi tareeqa, waqt, aur kitni martaba padhna chahiye. Yaad rakhiye, karz ek musibat hai, lekin Allah ki rehmat se badi koi musibat nahi hoti. Sabr, mustaqil mizaaji, halal koshish, aur Karz Utarne Ki Dua ko sache dil se padhne se, Inshallah aapka karz bhi jald hi utar jayega.
Agar aap is musibat se guzar rahe hain, to umeed na chhodiye — bas amal jaari rakhiye.
Disclaimer: Yeh article sirf maloomati maqsad ke liye likha gaya hai aur islami ulema, hadees ki kitaabon, aur mojooda online madhyaton se hasil ki gayi jaankari par mabni hai. Hum sifarish karte hain ke kisi bhi dua ya wazife par amal karne se pehle apne mahalle ke mufti ya islami scholar se mashwara karein, taake sahi tareeqa aur niyat dono mukammal hon. Kisi bhi Arabic ya Urdu text ki sahih talaffuz (pronunciation) ke liye qualified aalim se rehnumai lena behtareen tareeqa hai.
Padhne ke liye shukriya! Agar yeh post aapko pasand aayi, to hamari pichli post bhi zaroor padhein.
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