Answer
(Fatwa: 1082/1014=B)
عن علقمۃ بن وائل بن حجر عن ابیہ قال: رأیت النبی صلی اللہ علیہ وسلم یضع یمینہ علی شمالہ تحت السرۃ (رواہ ابن ابی شیبۃ: 390)
There are nearly 8-10 Hadiths which are related to place the hands below naval for men. We have quoted only one of them. As far as the Hadiths are concerned which contain placing hands on chest they are related to women or bayan-e-jawaz (to indicate that it is also allowed) according to the Ahnaaf.
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband