Muhammad Taqi Usmani

Early life

Muhammad Taqi Usmani was born on 5 October 1943 (5 Shawwal 1362 AH) in Deoband, a city in the Saharanpur district of Uttar Pradesh, British India.


In 1958, Usmani passed the Fazil-e-Arabi (Arabic language examination) with distinction, administered by the Punjab Board.

In 1959 he graduated from the `Alim course at Darul Uloom Karachi.


He then specialised in fiqh (Islamic jurisprudence) under the guidance of his father, the Mufti of Darul Uloom Karachi, Muhammad Shafi, receiving his Takhassus degree (equivalent to a PhD) in fiqh and ifta (issuance of Islamic legal opinions) from Darul Uloom Karachi in 1961, earning the title of Mufti.

Bachelors in Law, Arts and Literature

He graduated from the University of Karachi with a Bachelor of Arts in 1964, then received a Bachelor of Laws with distinction from the University of Karachi in 1967. He received a Master of Arts in Arabic literature, with distinction, from the University of Punjab in 1970.

Hadith Studies

Usmani received ijaza to teach hadith from Islamic scholars including Muhammad Shafi, Muhammad Idris Kandhlawi, Qari Muhammad Tayyib, Saleemullah Khan, Mufti Rashid Ahmad Ludhianvi, Sahban Mahmud, Zafar Ahmad Usmani, Muhammad Zakariya Kandhalvi, Hasan al-Mahshat, Abd al-Fattah Abu Ghuddah, Abi Al-Faid Muhammad Yasin Al-Fadani Ash-Shafi’i, and others.


His Teachers also include Mufti Wali Hasan Tonki, the Grand Mufti of Jami’ ul Uloom Al-Islamiyyah. He admired the academic methods of Mufti Abd al-Fattah Abu Ghuddah, of whom he wrote an Orbituary to after his demise in his Nuqoosh-e-Raftghaan.

He is very close friends with his teacher’s nephew Dr. ‘Abdu-s-Sattar Abu Ghuddah.


In tradition to the scholars of Deoband, recognising the importance of Tasawwuf, he traversed the path under the guidance of his Shaikh Dr. Abdul Hai Arifi and Maulana Muhammad Masihullah Khan both khulafa of Hakeemul Ummat Maulana Ashraf Ali Thanwi.

He is authorized by both of his mentors in Silsila E Ashrafia:

  • Chistiyyah
  • Naqshbandiyah
  • Qadiriyah
  • Suharwardiyah

He is himself a mentor to numerous spiritual aspirants all over the world, such as Moulana Sheikh Mohammad Luqman Sahib Ji of the renowned Abu Bakr Trust in Walsall, England.

Islamic Economics

Usmani pioneered the concept of Islamic banking in Pakistan when he established the Meezan Bank. Usmani has authored a number of books in Arabic, Urdu, and English on Islamic topics in addition to a large number of articles on Islamic banking and finance published in a number of journals and magazines.

According to The Muslim 500 website, he is a leading scholar of Islamic Finance, “Usmani’s chief influence comes from his position as a global authority on the issue of Islamic finance.”


In March 2004, United Arab Emirates Vice President and Prime Minister Mohammed bin Rashid Al Maktoum presented an award to Taqi Usmani in recognition of his lifetime service and achievement in Islamic finance during the annual International Islamic Finance Forum (IIFF) in Dubai.[citation needed]

In accordance with the tradition of the scholars of Deoband and recognising the importance of tasawwuf, Usmani’s bay’ah was accepted by Abdul Hai Arifi and Muhammad Masihullah Khan. Usmani is currently a mentor to numerous spiritual aspirants all over the world and delivers weekly lectures on self-improvement at Darul Uloom Karachi on Sundays between Asr Salaah and Maghrib Salaah.


He currently teaches Sahih al-Bukhari, fiqh, and Islamic economics at Darul Uloom Karachi and is known for his Islahi Khutbat. He was a key member of a team of scholars which helped declare Ahmadis non-Muslims by Pakistan’s National Assembly during the era of former Pakistani president, Zulfikar Ali Bhutto, in the 1970s. During the presidency of General Zia ul Haq, he was instrumental in drafting laws pertaining to HudoodQisas meaning retaliation in kind or (eye for an eye, and Diyya(blood money).

Personal Views

Usmani strongly opposes elements of explicit modernity, which he describes as engulfing

“the whole world in the tornado of nudity and obscenity, and has provided an excuse for fornication, and more so it has led under thunder claps to the passage of a bill in the British House of Commons to legalize homosexuality. It is in the shadow of the same modernity that Western women are openly displaying banners on the streets demanding legalization of abortion ….

He also strongly supports Pakistan’s Hudood Ordinances he helped write and strongly opposed the Women’s Protection Bill, which he believes violates the injunctions of Quran and Sunnah. He thinks it will not provide a great relief to countless women.

At a religious conference in 1984 he urged a more “dynamic attitude” towards the practice of ijtihad, arguing there is no shortage of fine minds capable of interpreting the sharia, but warning against the contamination of sharia by Western ideas such as the elimination of hudood penalties such as amputation and stoning.

The Muslim 500 Mention

Muhammad Taqi Usmani has been called “a leading scholar of Islamic jurisprudence” and “one of the most successful of the Islamic revivalist initiatives of the past century”, by The Muslim 500 website, which lists him among the 500 “most influential Muslims” in the world; and “one of the leading religious experts on Islamic finance and much sought after person by Islamic financial institutions for their Shari’ah Boards,” by M.O.Farooq.

Positions holding

Current Positions Held by Muhammad Taqi Usmani
Position Organisation Location From
Vice President and Shaykh al-Hadith Jamia Darululoom Karachi Karachi
Chairman International Shariah Standard Council, Accounting and Auditing Organization for Islamic Financial Institutions
Permanent Member International Islamic Fiqh Academy, Jeddah, organ of the Organisation of Islamic Conference Jeddah
Member Islamic Fiqh Academy of Rabita-al-‘Alam-e-Islami Makkah
Chairman Centre for Islamic Economics Pakistan Pakistan 1991
Chairman Shariah Board Abu Dhabi Islamic Bank UAE
Chairman Shariah Board Meezan Bank Limited Karachi
Chairman Shariah Board International Islamic Rating Agency Bahrain
Chairman Shariah Board Pak-Kuwait Takaful Karachi
Chairman Shariah Board Arif Habib Investments – Pakistan International Islamic Fund Karachi
Member Shariah Board Arcapita Investment Fund Bahrain
Member Unified Shariah Board Islamic Development Bank Jeddah
Member Shariah Board Shariah Board Guidance Financial Group USA

Positions held

Positions Held by Taqi Usmani in the Past
Position Organisation From to
Judge Shariat Appellate Bench, Supreme Court of Pakistan 1982 2002
Chairman Centre for Islamic Economics, Pakistan 1991 now
Judge Federal Shariat Court of Pakistan 1980 1982
Member Syndicate University of Karachi 1985 1988
Member Board of Governors, International Islamic University Islamabad 1985 1989
Member International Institute of Islamic Economics 1985 1988
Member Council of Islamic Ideology 1977 1981
Member Board of Trustees International Islamic University, Islamabad 2004 2007
Member Commission for Islamisation of Economy of Pakistan
Member Shariah Board Bank of Khyber, Pehawar
Member Shariah Board Dow Jones Index, New York
Member Shariah Board HSBC Amanah Finance Dubai
Member Shariah Board Swiss Re Takaful, Switzerland
Member Shariah Board Bank Islami
Member Shariah Board Dubai Bank
Member Shariah Board Robert Fleming Oasis Fund, Luxemburg
Member Shariah Board AL Bakarah Group Jeddah
Member Shariah Board ABC Investment Bank


The bibliography has a wide variety of books from different languages below

Arabic Titles

List of Books Written in Arabic by Muhammad Taqi Usmani
Book Title Year Description
Ahkam-ul-Auraq An-Naqdiyah Rulings on Paper Money
Ahkam-uz-Zaba’ih Rulings on Slaughtered Animals
Bahouth Fee Qadaya Fiqheyah Ma’asirah Fiqh discussions on some important contemporary issues 2
Ma Hea An-Nasraniyah? What is Christianity?
Nathrat ‘Abarah Houl At-Ta’limi Al-Islamiyah About Islamic Finance
Takmilah Fat’hu-l-Mulhim 1976-1994 An encyclopedic work of interpretation of Sahih Muslim in 6 volumes,complimentary to Fathul Mulhim by ‘Allamah Shabbir Ahmad Usmani)-

This is the author’s favorite out of all his works. It took him 18 years to write and he worked on it for 2 hours almost everyday from 1976 to 1994.

The name of the book was suggested to the author by his teacher Abd al-Fattah Abu Ghudda Ansari.

Fiqh-ul-Buyoo 2
Uswoolu-l-Iftaa’i wa Aadaabuhu
Mu’aqqaf Ummat-ul-Islamiyah Minal Qadiyaniyah The View of the Ummah on Qadiyanism/Qadiyanism on Trial
Asbab al-Azmat al-Maaliya wa Ilajuha fi Daw’ al-Shariah al-Islamiyah
Al-Tijarah wal Iqtisad al-Muaasir
Al-Mudawwanatu-l-Jaami’ah Lil Ahadeethi-l-Marwiyyati ‘Ani-nn-Nabiyyi-l-Kareem (S) Murawqqawmah Bil Arqaawmi-l-‘Aalimiyyah Translated as The Hadith Encyclopedia)(40/50 Volumes planned, work in progress) (2017-) The monumental work that includes all Ahadeeth that have reached us and provide them a universal number for easy identification. All narrations of a Hadeeth are listed and given unique numbers. Produced by a team of scholars working for more than 17 years under the supervision of the Shaykh al-Islām. Collected from 910 different Hadeeth books. Subsequent volumes will be added as they become available. Once completed this will provide for reference to Hadeeth by a universal number as easily as we refer to the ayahs of the Qur’an today.
Muqaddimah 2017
Kitaabu-l-Eemaan 2017

Urdu Titles

List of Books Written in Urdu by Muhammad Taqi Usmani
Title Description Volumes
Tauzeeh Al-Qur’an/Aasan Tarjuma-e-Qur’an The Urdu Translation of the Holy Qur’an with commentary 3
Uloomu-l-Qur’an An Approach to the Qur’anic Sciences
Ina’mul Bari fee Duroosi Saheeh Al-Bukhaari Explanation of famous Hadeeth collection Sahih Al-Bukhari 8
Khatm-e-Bukhari Shareef
Dars-e-Tirmidhi Explanation of famous hadith collection Sunan-e-Tirmidhi 3
Taqreer-e-Tirmidhi 2
Hudhur (Salla-Allahu alayhi wa Sallam) ney Farmaya Sayings of Prophet Sall-Allahu alayhi wa sallam)
Aik Hazar Hadeeth with Ashraf Ali Thanwi and Jameel Ahmad Thanwi
Hujjiyat-e-Hadeeth The Authority of Sunnah)
Deen Kya Hai? What is Islam?
Asr-e-Haazir Mein Islam Kaise Naafiz Ho Application of Islam in current times
Namazein Sunnat Ke Mutabiq Parhey Offer Salah according to the Sunnah)
Aap Zakat Kis Tarah Ada Karein? How to Offer Zakah
Ahkam-e-I’tikaf The Rules of I’tikaf
Pur Noor Duain Radiant Prayers) (Collection of Prayers for all occasions)
Aasan Nakiyan Easy Good Deeds
Taqleed Ki Shari’i Hasiyat The Legal Status of Following a Madhab
Deeni Madaris ka Nisab wa Nitham
Zabet-e-weladat Birth Control: Islamic rulings
Maghribi Mumalik Kay Jadeed Fiqhi Masa’il Aur Un Ka Hal
Mahe Rawjabb Chand Galat Fehmiyon Ka Azala
Taraashay Excerpts from Islamic works
Akabir ‘Ulama-e-Deoband Kya Thay? The Scholars of Deoband Islamic Seminary
Irshadat-e-Akabir – Ifadaat
Nuqoosh-e-Raftigan Obituaries of Islamic Scholars and other dignitaries
Meray Walid Meray Sheikh My Father, My Shaikh
Ma’asir Hazrat Arifi Sayings and memories of Dr Adbul Hai Arifi
Hakeemul Ummat Kay Siasi Afkar The Political Thoughts of Maulana Ashraf Ali Thanwi
Islam aur Seasate Hazra Islam and Contemporary Politics
Islam Aur Siyasi Nazriyat
Andulus Mei Chand Roz (Travelogue) A Few Days in Andalusia, Spain
Dunya Meray Aagay
Jahaney Deda
Safar Dar Safar
Hadhrat Ameer Mu’awiyah (Radi-Allahu ‘anhu) aur Tareekhi Haqa`iq (Hadhrat Mu’awiyah (Radi-Allahu ‘anhu) A book pointing out the errors in Sayyid Abul A’la Maududi‘s book “Khilaafat wa Mulookiyat” and their correct answers.
Qadiyani Fitnah aur Millat-e-Islamiyah Ka Mu’aqqaf (with Samiul-Haqq) [Mu’aqqaf Ummat-ul-Islamiyah Minal Qadiyaniyah The View of the Ummah on Qadiyanism/Qadiyanism on Trial
Bible Se Qur’an Tak
Bible Kya Hai?
Eesayat Kya Hai?
Islam Mein Khula Ki Haqeeqat
Islam Mein Pooray Dakhil Ho Jao
Islami Bankari Ki Buyadayn
Islami Bankari
Jalsay O Jaloos
Jhoot Aur Uski Murawwaja Sooratayn
Allah Keliye Jeena Marna
Andhera Ho Raha Hai Bijli Ki Roshni Mein
Aulad Ki Islah-o-Tarbiyat Waldain Ki Zimmadari Hai
Azadi-e-Niswan ka Faraib
Bidat – Aik Ghumrahi
Bismillah Ki Ahmiyat
Daulat-e-Qur’an Ki Qadr-o-Azmat
Dunya K Uss Paar (Beyond this World)
Dunya Say Dil Na Lagao
Durood Shareef Aik Ehm ‘Ibadat Hai
Falsafa-e-Hajj O Qurbani
Ghair Soodi Bankari
Gunahgar Say Nafrat Mat Kijiyay
Haqooqu-l-‘Ibadd Aur Mu’amalat
Harawm Ashiya Se Ilaj Ka Hukm
Hasad – Aik Muhlik Bemari
Hudood – Aik Ilmi Jaiza The Case of the Hudood Ordinances)
Ilm Par A’mal Karein
Islam aur Jidat Pasandi Islam and Modernism
Islah-e-Ma’ashara Perfecting society
Islahi Mawa’iz Discourses for spiritual perfection
Islahi Majalis Discourses on Tasawwuf 7
Islahi Khutubat The Discourses on the Islamic Way of Life 23
Islam aur Humaray Zindagi 10
Islam aur Jadeed Mu’ashi Masa’il 8
Fiqhi Maqalat Collection of articles on Islamic Jurisprudence 6
Zikr o Fikr Collection of articles written for Daily newspaper Jang
Idalatay Faislay Court Rulings 2
Nashri Taqreerain Speeches aired on Radio Pakistan
Dastoor-ul ‘Amal baeraey Talibeen e Islah Instructions for aspirants of spiritual improvement
Fard Ke Islah Individual Reform
Milkiyat-e-Zamion aur uske Tahdeed Land ownership and its limitation
Nifaz-e-Shariat aur uske Masa’il Establishment of Sharee’ah and its Rulings
Hamaray ‘A`eli Masa`il Our Family Issues
Hamara Ta’lemi Nizam Educational System
Hamara Ma’ashi Nizam Economic System
Islam aur Jadeed Ma’eeshat wa Tijarat Islam and Modern Economics & Commerce
Mu’amalaat Saaf Rakhayn Live like Brothers, Deal like Strangers
Mu’asharti Huqooqq O Fara’iz
Nafs Ki Kashmakash
Namoos-e-Risalat Ki Hifazat Kijiyay
Parosion K Huqooq
PLS Account Ki Haqeeqat
Prize Bond Ki Sharee Haseeat
Rahat Kis Tarah Hasil Ho
Ramadan Kis Tarah Guzaarein
Rizqq Ka Sahih Istemaal
Roza Hum Say Kia Mutalba Kerta Hai
Sahafat (Article)
Seerat-un-Nabee (S) Aur Hamari Zindagi
Sood Per Tareekhi Faisla The Historic Judgement on Usury-Interest
Soodi Nizam Ki Kharabiyan Aur Uss Ka Mutabadil
Taqdeer Per Raazi Rehna Chahiye
Tawakkul K Ahmiyat
Tawakkul Ki Haqeeqat
Waldain Ki Khidmat – Jannat Ka Zariya
Musalmano ki Ta’leemi Policy Tareekh Kay Aiinay Main
Fatawa-Taaruf-Usul o Adab
Khutbat Uthmani 5
Khutbat Daura-e-Hind
Dars-e-Nizami Ki Kitabain Kaisay Pahein aur Parhaayein
Shab-e-Baraat Ki Haqeeqat
Allaah Ta’Alaa K Muhabbat Mein Tarpaa Dene Waali Bayaan with Shaah Hakeem Muhammad Akhtar
Swirawti-Mustaqeem with his elders
Aao Rawmadaawn ko Qimtee Banaayein with his elders
A’maal o Wazaa’if with his elders
Rooh Ki Bimariyaan aur unka Ilaaj not to be confused with the book written by Hakeem Muhammad Akhtar]
Yaadein Autobiography being written at the repeated request of Mufti Ahmad Khanpuri) (in progress


List of Books Written in English by Muhammad Taqi Usmani
Book Title Year Description Volumes
The Meanings of the Noble Qur’an with explanatory notes 2007 revised with Indo-Pak Arabic script in a single volume (2016) 2
Qur’an-e-Kareem 2007 The English Translation of the Qur’an
An Introduction to Islamic Finance
The Language of the Friday Khutbah
Hajj – Merits and Precepts
Islamic Months – Merits and Precepts
The Present Financial Crisis – The Causes & the Remedies from the Islamic Perspective
Contemporary Fatawa
The Methodology of Ijtihad in Contemporary Times

As Contributor


List of Books to which Muhammad Taqi Usmani Contributed in Arabic
Title Description Author Published
Fathul Mulhim AllamahMawlanaShabbir Ahmad Usmani
I’laa as-Sunan 12/18/20 a collection of all the Hadith that support and is related to the Hanafi jurisprudence. The number of volumes vary due to being published by different publishers. ‘AllamahMawlana Zafar Ahmad Usmani under the instruction of MawlanaAshraf Ali Thanwi)
Al-Mudawwanatu-l-Jaami’ah Lil Ahadeethi-l-Marwiyyati ‘Ani-nn-Nabiyyi-l-Kareem (S) Murawqqawmah Bil Arqaawmi-l-‘Aalimiyyah 40/50 Volumes planned, work in progress) – The monumental work that includes all Ahadeeth that have reached us and provide them a universal number for easy identification. All narrations of a Hadeeth are listed and given unique numbers. Produced by a team of scholars working for more than 17 years under the supervision of the Shaykh al-Islām. Collected from 910 different Hadeeth books. Subsequent volumes will be added as they become available. Once completed this will provide for reference to Hadeeth by a universal number as easily as we refer to the ayahs of the Qur’an today. A great gift for anyone involved in study of Hadeeth. 2017
Muqaddimah 26 Pages 2017
Kitaabu-l-Eemaan 862 Pages 2017


List of Books to which Muhammad Taqi Usmani Contributed in Urdu
Title Author Description Volume
Ashraf-ut-Tafaseer The collection of all the sermons related to Tafseer of the Qur’an from the Mawa’iz-e-Ashrafiyah of Mawlana Ashraf Ali Thanwi) 3/4
Ahkam Al-Qur’an Allamah Mawlana Zafar Ahmad Usmani – (from Al-Baqarah to An-Nisa),Mawlana Mufti Jameel Ahmad Thanawi – (from Yoonus to An-Nahl),

Mawlana Mufti Muhammad Shafi – (from Ash-Shu’ara to Al-Hujurat),

Mawlana Muhammad Idris Kandhlawi – (from Qawf to An-Naas) under the instruction of Mawlana Ashraf Ali Thanwi) – a collection of the Laws of the Shari‘ah derived from the Qur’an.

Two of its sections are unfinished: (from the start of Surah Ma’idah to the end of Surah Tawbah and from Surah Bani Isra’il to the end of Surah Furqan



List of Books to which Muhammad Taqi Usmani Contributed in English
Title Author Description Volumes
Maariful Quran Mawlana Mufti-e-Azam Muhammad Shafi Deobandi The Wisdom of the Qur’an 8
Izhar ul-Haqq Mawlana Rahmatullah Kairanawi “The Truth Revealed”A refutation of Reverend Karl Gottlieb Pfander’s Meezan-ul-Haqq (The Balance of Truth)

Works in English Translation

  • Huzoor (SallAllahu alayhi wa Sallam) ney Farmaya (Sayings of Muhammad)
  • ‘Uloom-ul-Qur’an (An Approach to the Qur’anic Sciences)
  • Hujjiyat-e-Hadeeth (The Authority of Sunnah)
  • Dunya K Uss Paar (Beyond this World)
  • Aasan Nekiyan (Easy Good Deeds)
  • Islam aur Jidat Pasandi (Islam and Modernism)
  • Mu’amalaat Saaf Rakhayn (Live like Brothers, Deal like Strangers)
  • Perform Salah Correctly
  • Pur Noor Duain (Radiant Prayers) (Collection of Prayers for all occasions)
  • Hudood – Aik Ilmi Jaiza (The Case of the Hudood Ordinances)
  • Islahi Khutubat (The Discourses on the Islamic Way of Life) (10 volumes published as yet)
  • Spiritual Discourses (4 Volumes)
  • Salah – a Unique Meeting
  • Solutions to Domestic Conflicts (A collection of 6 Speeches entitled “Causes of Disunity and its Remedy”)
  • A Call to Allah
  • Resisting the Evils in Society
  • Rights and Responsibilities
  • Akabir ‘Ulama-e-Deoband Kya Thay? (The Scholars of Deoband Islamic Seminary)
  • Sood Per Tareekhi Faisla (The Historic Judgement on Interest)
  • Ahkam-uz-Zaba’ih (The Legal Rulings on Slaughtered Animals)
  • Taqleed Ki Shari’i Hasiyat (The Legal Status of Following a Madhab)
  • Ahkam-e-I’tikaf (The Rules of I’tikaf)
  • The Sanctity of Life in the Qur’an & Sunnah
  • Qadiyani Fitnah aur Millat-e-Islamiyah Ka Mu’aqqaf (with Samiul-Haqq) [Mu’aqqaf Ummat-ul-Islamiyah Minal Qadiyaniyah (The View of the Ummah on Qadiyanism/Qadiyanism on Trial)]
  • ‘Eesaiyyat Kya Hai? [Ma Hea An-Nasraniyah? (What is Christianity?)]
  • In the Footsteps of the Beloved
  • Preserving the Deen
  • Self Management
  • To Preach and Practice
  • A Guide to Perfection
  • A Successful Believer
  • An Outlook on Life
  • Divine Gifts
  • Islam in Today’s World
  • Bringing up Children in Islam
  • The Issue Of Interest
  • Wonderful Life of Paradise (Just one chapter is written by Mufti Muhammad Taqi Usmani)
  • Some Points to Ponder about Post Crisis Reforms
  • The Right of a Woman to Unilateral Divorce under Islamic Law
  • An Obituary to Shaikh ‘Abd al-Fattah Abu Ghudda
  • Yaadein (Memories being written at the repeated request of Mufti Ahmad Khanpuri) (in progress)


“Since wealth is the property of God, humanity does not have autonomy in this ownership but through the specific path He has instituted in the Islamic Shari ‘ah.”

“Nothing destroys one’s respect in the hearts of others more than greed.”