Translation by Dr. Muhammad Muhsin Khan & Dr. Taqi-ud-Din al-Hilali
As for those who disbelieve, their deeds are like a mirage in a desert. The thirsty one thinks it to be water, until he comes up to it, he finds it to be nothing; but he finds Allâh with him, Who will pay him his due (Hell). And Allâh is Swift in taking account.
Word by Word — Arabic, Transliteration & Meaning
وَٱلَّذِينَwa-alladhīnaBut those who
كَفَرُوٓا۟kafarūdisbelieve
أَعْمَـٰلُهُمْaʿmāluhumtheir deeds
كَسَرَابٍۭkasarābin(are) like a mirage
بِقِيعَةٍۢbiqīʿatinin a lowland
يَحْسَبُهُyaḥsabuhuthinks it
ٱلظَّمْـَٔانُl-ẓamānuthe thirsty one
مَآءًmāan(to be) water
حَتَّىٰٓḥattāuntil
إِذَاidhāwhen
جَآءَهُۥjāahuhe comes to it
لَمْlamnot
يَجِدْهُyajid'huhe finds it
شَيْـًۭٔاshayan(to be) anything
وَوَجَدَwawajadabut he finds
ٱللَّهَl-lahaAllah
عِندَهُۥʿindahubefore him
فَوَفَّىٰهُfawaffāhuHe will pay him in full
حِسَابَهُۥ ۗḥisābahuhis due
وَٱللَّهُwal-lahuAnd Allah
سَرِيعُsarīʿu(is) swift
ٱلْحِسَابِl-ḥisābi(in) the account
Tafsir al-Quran al-Karim — Hafiz Abdus Salam Bin Muhammad Bhutvi
Tafsir al-Quran al-Karim is a 4-volume Quran commentary by Hafiz Abdus Salam bin Muhammad Bhutvi, a renowned Salafi (Ahl al-Hadith) scholar and Sheikh ul-Hadith from Pakistan. Based on over 45 years of teaching and research, this tafsir follows the methodology of Tafsir bil-Ma'thur — interpreting the Quran through authentic Hadith, statements of the Companions, and the understanding of the early generations (Salaf). It is distinguished by its complete avoidance of Israeliyyat (Judeo-Christian narratives) and unverified reports. The tafsir is originally written in Urdu, translated to English by tohed.com.
(Ayah 39){ وَالَّذِيْنَكَفَرُوْۤااَعْمَالُهُمْكَسَرَابٍۭ…: ’’سَرَابٌ‘‘} In a barren plain or desert at noon, due to the sunlight, from a distance it appears as if water is rippling; this is called "mirage," which is merely an optical illusion. {’’قِيْعَةٌ‘‘} and {’’ قَاعٍ‘‘} both mean barren plain. {’’ الظَّمْاٰنُ ‘‘ ’’فَعْلَانُ‘‘} is an intensive form on the pattern of exaggeration, meaning extremely thirsty. Previously, the example of the light of guidance in the hearts of the believers was given; now two examples are given for the deeds of the disbelievers, just as in Surah Al-Baqarah, examples of fire and water were given for the hypocrites, and in Surah Ar-Ra'd, two examples were given for the guidance and knowledge that settle in the hearts—one of water and the other of fire. Here, two examples of the deeds of the disbelievers are given with the word {’’ اَوْ ‘‘}.
Some scholars have explained the example of the mirage in this way: there are two types of disbelievers. One type, according to their own assumption, does some good deeds and thinks that these will benefit them after death, such as serving the House of Allah, giving water to pilgrims, giving charity, etc. However, none of their deeds, even if apparently good, are accepted or valid with Allah due to the misfortune of disbelief. The reward for their good deeds is given to them in this world, as stated: «{ اَذْهَبْتُمْطَيِّبٰتِكُمْفِيْحَيَاتِكُمُالدُّنْيَاوَاسْتَمْتَعْتُمْبِهَا }»[ الأحقاف : ۲۰ ] "You have taken your good things in your worldly life and you have enjoyed them." In the Hereafter, their deeds will be made {’’ هَبَاءًمَّنْثُوْرًا ‘‘} (scattered dust). (See Al-Furqan: 23) Elsewhere, their deeds are likened to ashes on which a strong wind blows on a stormy day. See Surah Ibrahim (18).
In the verse under commentary, it is stated that the example of those who disbelieve in their Lord is like that of a person who, at noon, sees water from a distance due to extreme thirst, which is actually a mirage. He, due to severe thirst, considers it water and reaches there, but finds nothing there, except those who will demand an account from him and seize him for their reckoning. Similarly, the disbeliever assumes that his good deeds will benefit him on the Day of Resurrection, but on that Day, they will become as meaningless as a mirage, and instead of receiving a reward, he will face Allah, who will take full account from him. {’’ وَاللّٰهُسَرِيْعُالْحِسَابِ ‘‘} That is, Allah is swift in reckoning, because others do not have knowledge of everything, nor can any of them take account of more than one at a time, so their reckoning is delayed. Whereas Allah has complete knowledge of everything past and future, He is not dependent on writing or reading, and He can take account of the entire universe in a single moment, so He is {’’ سَرِيْعُالْحِسَابِ ‘‘}. It does not take Him any time in reckoning.
The second type of disbelievers are those who have no concern for the Hereafter, so that they might do some good deed for its sake. They are immersed from head to toe in worldly pleasures and are drowning in disbelief and misguidance, oppression and ignorance, desire-following, and disobedience to Allah. Their example is given ahead: they do not even have as much brightness as the one deceived by the mirage saw. These people are trapped in pure darkness and layers upon layers of darkness; not a single ray of light reaches them from any direction.