Ruling of pension schemes

Answered according to Hanafi Fiqh by DarulIftaBirmingham

Answered: Maulana Tahsin Alam


As an employee when you first start you are automatically enrolled in a local government pensions schemes, however one has an option to opt out. shows the pension scheme it’s a career average scheme but also gives other benefits.

Is it permissible to stay within the scheme?


بِسْمِ اللهِ الرَّحْمنِ الرَّحِيْم

In the name of Allah, the Most Gracious, the Most Merciful.

In essence, as long as your pension scheme does not invest, or is involved in haram industries (alcohol, interest-based banking, pornography etc.) it would be a valid scheme. We would advise you to find a shariah complaint pension investment program with consultation from your local scholars.

And Allah SWT alone knows best.

Answered by Moulana Tahsin Alam

Checked and approved Mufti Mohammed Tosir Miah

Darul Ifta Birmingham

This answer was collected from, which is run under the supervision of Mufti Mohammed Tosir Miah from the United Kingdom.

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