Verse [ 100:5] فَوَسَطْنَ بِهِ جَمْعًا (then enter, at the same time, into the centre of the [ opposing ] host) In other words, they penetrate into the centre of the enemy forces without the least degree of fear.

The word kanud, (100:6) according to Hasan Basri (رح) ، refers to the one who counts the calamities that befall him, and forgets Allah's favours. Abu Bakr Wasiti said that kanud is the one who spends the bounties of Allah for sinful purposes. Tirmidhi said that kanud is the one who looks at the bounty, and not at the Bounteous Lord. In short, all these interpretations lead to the sense of 'ungratefulness to favours and bounties' and hence the expression kanud means 'ungrateful'.

Verse [ 100:8] وَإِنَّهُ لِحُبِّ الْخَيْرِ‌ لَشَدِيدٌ (and in his love for wealth, he is very intense.) Literally, the word khair means 'any good thing'. Idiomatically, the word khair, in Arabic, means 'wealth' implying that 'wealth' is an embodiment of goodness and benefit. However, some type of wealth can involve man in untold misery. In the Hereafter, this will be the position of all wealth acquired through unlawful means. Sometimes, wealth in this world too can prove to be nuisance and disaster. Nonetheless, according to Arabic idiom, worldly goods in this verse have been described as khair as the same word in another verse [ 2:180] اِن تَرَکَ خَیراً "...he leaves some wealth...". In this verse as well the word khair means 'wealth'.

To recap, having taken oath by war-horses, the subject states two points: [ 1] man is ungrateful or he is a blamer of his Lord who remembers misfortunes and forgets His favours; and [ 2] he is passionate in his love for wealth. Both these points are evil, rationally as well as from the Shari'ah point of view. These statements warn man against these evils. The evil of ingratitude is quite obvious and needs no elaboration, but the evil of man's violent love for wealth is not that obvious, and needs some elaboration. Wealth is the axis of man's needs and necessities. Shari'ah has not only permitted its acquisition, but it has also made its acquisition obligatory to the degree of his needs. Therefore, what is condemned in the verse is either the 'intense' or excessive love for wealth that makes one neglectful to one's obligations, and oblivious of the divine injunctions, or the sense is that earning wealth, even saving it according to one's needs is though permissible, having its love in the heart is bad. Let us consider the following illustration: When man feels the need to answer the call of nature, he does it out of necessity. In fact, he makes arrangements for it, but he does not develop love or passion for it in his heart. Likewise, when he falls sick and takes medication, or even undergoes surgery, but he does not develop attachment for it in his heart. He does it only out of necessity. The believer should treat the wealth in this way: A believer should acquire wealth, as Allah has commanded him, to the extent of his need, save it, look after it and utilize it whenever and wherever necessary, but his heart should not be attached to it. How elegantly Maulana Rumi (رح) has put it in one of his verses!

آب اندر زیر کشتی پشتی است آب در کشتی ھلاک کشتی است

"As long as the water remains under the boat, it helps the boat [ to sail ];

but if the water seeps into the boat, it sinks it."

Likewise, as long as the wealth floats around the boat of heart, it would be useful; but when it seeps into the heart, it will destroy it. Towards the conclusion of the Surah a warning has been sounded against these two evil qualities of man for which he will be punished in the Hereafter.

Verses [ 100:9-11] وَحُصِّلَ مَا فِي الصُّدُورِ‌ ﴿١٠﴾ إِنَّ رَ‌بَّهُم بِهِمْ يَوْمَئِذٍ لَّخَبِيرٌ‌ ﴿١١﴾ أَفَلَا يَعْلَمُ إِذَا بُعْثِرَ‌ مَا فِي الْقُبُورِ‌ ﴿9﴾ (Does he not then know [ what will happen ] when all that is contained in the graves will be overturned, and all that is contained in the hearts will be exposed. Surely your Lord, that day, is fully aware of them.) Divine retribution will be meted out, in the Hereafter, to each person commensurate with his deeds, good or bad, as Allah is well-aware of them. Therefore, it would be wise for man to abstain from ingratitude, and he should not have such a violently passionate love for wealth and indulgence in worldly riches as to be unable to separate the good from the bad.

Special Note

The current set of verses describes these evil qualities of man in general terms, while Prophets (علیہم السلام) ، friends of Allah and many of His righteous servants are free from these evil qualities or from any earthly attachments. They acquire wealth through lawful means and abstain from acquiring it through unlawful means. They are ever so grateful to Allah for the wealth He has given them and spend it in the way of Allah. So how these evils are attributed to man in general terms? The answer is that most people have these evil qualities, but this does not imply that all, without any exception, are characterized by these qualities. The upright people are excluded from the general statement. Some of the scholars restrict the word 'man' to 'unbelievers'. These two evil qualities are the essential characteristics of unbelievers, and if they are found in a Muslim [ God forbid!], he needs to reflect and be careful. Allah knows best!

Al-Hhamdulillah

The Commentary on Surah Al‘Adiyat ends here.

حَتَّىٰ زُرْ‌تُمُ الْمَقَابِرَ‌Verse [ 2] (until you reach the graves.) Here the words 'reaching the graves' mean 'to die and be buried in the graves', as the following Prophetic Hadith bears testimony to this interpretation. Referring to verse [ 2] of this Surah, the Messenger of Allah ﷺ said: حَتّٰی یِأتیکُم الموت "until death overtakes you" [ Ibn Kathir, from by Ibn Abi Hatim ]. The verse thus implies that many people are engrossed in acquiring worldly goods and racing each other in wealth and children etc. and remain neglectful of the Hereafter till death comes upon them, and then they are seized by the divine punishment. Sayyidna ` Abdullah Ibn Shikhkhir ؓ reports that one day he visited the Holy Prophet ﷺ while the latter was reciting Surah At-Takathur and was saying:

یقُول ابن اٰدم مالی مالی و ھل لک من مالک الَّا ما اکلت فافنیت او لبست فابلیت اوتصدّقت فامضیت، وفی روایۃ لمسلم وما سویٰ ذلک فذاھب و تارکہ للناس

"The Son of Adam says: 'My wealth, my wealth.' But you do not reap any benefit from your wealth except for that which you ate and you finished it, or that which you clothed yourself with and you wore it out, or that which you gave as charity and you have spent it."

And in a narration by Muslim: "Everything else other than that will go away, and he will leave it for other people. (i.e. inheritors) " [ Ibn Kathlr and Qurtubi as transmitted by Muslim, Tirmidhl and Ahmad ].

Imam Bukhari records from Sayyidna Anas ؓ عنہ that the Messenger of Allah ﷺ said:

لو کان لابن آدم وادیاً من ذھب لا حبّ ان یکون لہ وادیان ولن یملاء فاہ اِلَّا التراب و یتوب اللہ علٰی من تاب۔

"If the Son of 'Adam has a valley of gold, he would love to have two valleys, and nothing but the dust of grave will fill his mouth. And Allah accepts the repentance of him who turns to Him in penitence."

Sayyidna 'Ubayy Ibn Ka` b ؓ ، referring to the Tradition quoted above, says, "We used to think that this was a part of the Qur'an until the first verse of Surah At-Takathur was revealed." It seems that the Holy Prophet ﷺ recited the verse and interpreted it in his own words. As a result, some of the Companions were under the impression that the Prophetic words were part of the Qur'an. Later on, when the Surah was recited in its entirety, it did not contain the Prophetic words. This made them realize that the Prophetic words were actually of explanatory nature, and not part of the Qur'an.

Verse [ 102:5] كَلَّا لَوْ تَعْلَمُونَ عِلْمَ الْيَقِينِ (No! if you have had sure knowledge..) The word 'if requires a principal clause that seems missing here, but the context suggests that the sense is the following: "If you had the sure knowledge of accountability on the Day of Judgment, you would not have engrossed yourselves in mutual competition in acquiring worldly goods and taking pride in their abundance."

Verse [ 102:7] ثُمَّ لَتَرَ‌وُنَّهَا عَيْنَ الْيَقِينِ (...then you will see it with an eye of certainty.) The phrase 'ain-ul-yagin' (translated above as 'eye of certainty' ) refers to the certainty attained by physical observation, and this is the highest degree of certainty. Sayyidna Ibn ` Abbas ؓ reports that when Holy Prophet Musa (علیہ السلام) was on the mount of Tur, his people started worshipping a calf. Allah informed him about this while he was still on the mountain. This piece of information did not affect Musa (علیہ السلام) so much. However, when he returned and saw the Children of Israel, with his own eyes, worshipping the calf, he became so indignant that the tablets of Torah involuntarily fell from his hands. [ Transmitted by Ahmad and Tabarani with an authentic chain of narrators, as quoted by Mazhari ].

Verse [ 102:8] ثُمَّ لَتُسْأَلُنَّ يَوْمَئِذٍ عَنِ النَّعِيمِ (Then you will be asked about all the pleasures [ you enjoyed in the world ].) This means that, on the Day of Judgment, all of you will be questioned whether you had shown gratitude towards Allah's favors, or did you misuse them and were ungrateful to Allah? Some of these favors and bounties are explicitly mentioned elsewhere in the Qur'an:

إِنَّ السَّمْعَ وَالْبَصَرَ‌ وَالْفُؤَادَ كُلُّ أُولَـٰئِكَ كَانَ عَنْهُ مَسْئُولًا

(...Surely, the ear, the eye and the heart - each one of them shall be interrogated about.) [ 17:36]

These organs and their faculties comprehend millions of blessings of Allah, and man will be questioned as to how he used them every moment of his life.

The Messenger of Allah ﷺ is reported to have said that first question that will be put by Allah to every person is: "Did I not give you good health, and did I not give you cold water to quench your thirst?" (Tirmidhi, and Ibn Hibban, with rating as sahib, from Abu Hurairah, as quoted by Ibn Kathir)

The Messenger of Allah ﷺ is also reported to have said that no man will be able to move from his place unless he answers five questions: [ 1] How did he spend his life? [ 2] In what pursuits did he expend his youthful energy? [ 3] How did he earn his wealth - (by lawful means or unlawful means?) [ 4] Where did he spend his wealth - (in lawful ways or unlawful ways?) and [ 5] Did he act upon the knowledge Allah gave him? (Bukhari).

Mujahid (رح) ، the leading authority on Tafsir, says that this question on the Day of Judgment relates to every delight of the world that he enjoyed - whether it is in connection with food, clothes, house, wife, children, kingdom, government or honor. Qurtubi, having cited this, concludes that this is absolutely true, because the question does not specify any particular blessing.

Al-hamdulillah

The Commentary on Surah At-Takathur ends here.