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Hadith 3845

حَدَّثَنَا أَبُو بَكْرٍ , حَدَّثَنَا يَزِيدُ بْنُ هَارُونَ , أَنْبَأَنَا أَبُو مَالِكٍ سَعْدُ بْنُ طَارِقٍ , عَنْ أَبِيهِ , أَنَّهُ سَمِعَ النَّبِيَّ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ وَقَدْ أَتَاهُ رَجُلٌ , فَقَالَ : يَا رَسُولَ اللَّهِ , كَيْفَ أَقُولُ حِينَ أَسْأَلُ رَبِّي ؟ قَالَ : " قُلْ : اللَّهُمَّ اغْفِرْ لِي وَارْحَمْنِي , وَعَافِنِي وَارْزُقْنِي " , وَجَمَعَ أَصَابِعَهُ الْأَرْبَعَ إِلَّا الْإِبْهَامَ , " فَإِنَّ هَؤُلَاءِ يَجْمَعْنَ لَكَ دِينَكَ وَدُنْيَاكَ " .
´Abu Malik, Sa'd Bin Tariq, narrated from his father that :` when a man had come to the Messenger of Allah (saas), he heard him say: "O Messenger of Allah, what should I say when I ask of Allah?" He said: "Say: Allahumma-ghfirli warhamni wa 'afini warzuqni (O Allah, forgive me, have mercy on me, keep me safe and sound and grant me provision)," and he held up his four fingers apart from the thumb and said: "These combine your religious and worldly affairs."
Hadith Reference سنن ابن ماجه / كتاب الدعاء / 3845
Hadith Grading الألبانی: صحيح  |  زبیر علی زئی: صحيح مسلم
Hadith Takhrij «صحیح مسلم/الذکروالدعاء 10 ( 2797 ) ، ( تحفة الأشراف : 4977 ) ، وقد أخرجہ : مسند احمد ( 3/472 ، 4/353 ، 356 ، 382 ، 6/394 ) ( صحیح ) »
Related hadith on this topic
Explanation & Benefits
Maulana Ataullah Sajid
Benefits and Issues:

➊ If someone attains well-being from illness and hardship, and ample provision in this world, it is as if he has attained all the blessings of this world. And if, in the Hereafter, his sins are forgiven, it is as if he has attained all the blessings of the Hereafter. Mercy is such a thing upon which all the blessings of this world and the Hereafter depend. In this regard, this is an extremely comprehensive supplication.

➋ By indicating (with a gesture), a matter is better understood and firmly established in the mind.
Source: Commentary on Sunan Ibn Mājah by Mawlānā ‘Atā’ullāh Sājid, Page: 3845
Shaykh Maulana Abdul Aziz Alvi
Hadith Commentary: Benefits and Issues:

➊ If a person gives charity and that charity returns to him on account of inheritance, then it is permissible for him to take it, and there will be no decrease in its reward.

➋ One may also perform a voluntary Hajj on behalf of one's parents.

➌ Just as the guardian may fast Ramadan fasts on behalf of the deceased, he may also observe fasts of vows (nazr) on behalf of the deceased, although according to Imam Abu Hanifah rahimahullah, Imam Malik rahimahullah, and Imam Shafi'i rahimahullah, it is not permissible to fast on behalf of the deceased. According to Imam Ahmad rahimahullah, one cannot fast Ramadan fasts on behalf of the deceased, but may fast the fasts of vows (nazr) on their behalf.
Source: Tuhfat al-Muslim: Commentary on Sahih Muslim, Page: 2697