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    ham ko mulāzmat jo khaḌe ghaaT mil ga.ī

    bāchhoñ naav kānoñ ke sāhil se lagī

    chiTThī phir un ko ham ne ba-sad-shauq yuuñ likhī

    ''āyā karo idhar bhī marī jaañ kabhī kabhī''

    dil ne kahā ki jhuum ke naare lagā.iye

    taḳhtī lagā ke piiTh se ab ghuum jā.iye

    aa jā.iye to mil ke mahājan ko luuT leñ

    qarzā vo leñ ki asl kabhī deñ na suud deñ

    vo qarz phir liye haiñ ki allāh panāh!

    ruupe usī se leñ mirī jis par paḌī nigāh

    phir us ke bhāgne bhī chhoḌī na koī raah

    sab ke lañgoTī bañdh ga.ii, hālat huī tabāh

    yaarā na thā fuġhāñ kaa, na mauqā thā aah

    pittā phaTā huā thā har ek qarz-ḳhvāh

    qarze pe ham ne ek makān aisā le liyā

    jis meñ ki do taraf se thā jaane rāsta

    jab saare qarz-ḳhvāhoñ ko is pata chalā

    har fard le ke apnā bahī-khātā aa gayā

    thā har taraf se shor ki tashrīf lā.iye

    sannāTā kah rahā thā ki DanDe bajā.iye

    pahlī jo aa.ī ek qayāmat machā ga.ī

    bil le ke qarz-ḳhvāhoñ ik fauj aa ga.ī

    har qarz-ḳhvāh hadd-e-adab lāñgne lagā

    dil apnī maġhfirat duā māñgne lagā

    har samt laad laad ke girne lage jo bam

    garmāyā dil to aayā tabī.at meñ pech-o-ḳham

    rah rah ke apnī boTiyāñ ham nochne lage

    aur ḳhud-kushī raah na.ī sochne lage

    hai qarz ye shaan ki lo aur kabhī na do

    das biis haath khaao to do chaar ḳhud dharo

    marne pe qarz-ḳhvāhoñ ke chande se yuuñ uTho

    damḌī na apnī ḳharch ho is ThāTh se maro

    chhe saat saal qarz ke paise na jab diye

    das biis sūd-ḳhvār to yūñhī Dhalak ga.e

    jo adh-mūe the vo bhī the kuchh aise kaj-rave

    be-sabr ho ke bole hazrat ham to ab chale

    vo ham ne qarz-ḳhvāhoñ miTTī palīd

    vo ḳhud to mar ga.e pa raqam un rah ga.ī

    hum ko mulazmat jo khaDe ghaT mil gai

    bachhon ki naw kanon ke sahil se ja lagi

    chiTThi phir un ko hum ne ba-sad-shauq yun likhi

    aaya karo idhar bhi mari jaan kabhi kabhi

    dil ne kaha ki jhum ke nare lagaiye

    taKHti laga ke piTh se ab ghum jaiye

    aa jaiye to mil ke mahajan ko luT len

    qarza wo len ki asl kabhi den na sud den

    wo qarz phir liye hain ki allah ki panah!

    rupe usi se len meri jis par paDi nigah

    phir us ke bhagne ki bhi chhoDi na koi rah

    sab ke langoTi bandh gai, haalat hui tabah

    yara na tha fughan ka, na mauqa tha aah ka

    pitta phaTa hua tha har ek qarz-KHwah ka

    qarze pe hum ne ek makan aisa le liya

    jis mein ki do taraf se tha jaane ka rasta

    jab sare qarz-KHwahon ko is ka pata chala

    har fard le ke apna bahi-khata aa gaya

    tha har taraf se shor ki tashrif laiye

    sannaTa kah raha tha ki DanDe bajaiye

    pahli jo aai ek qayamat macha gai

    bil le ke qarz-KHwahon ki ek fauj aa gai

    har qarz-KHwah hadd-e-adab langne laga

    dil apni maghfirat ki dua mangne laga

    har samt lad lad ke girne lage jo bam

    garmaya dil to aaya tabiat mein pech-o-KHam

    rah rah ke apni boTiyan hum nochne lage

    aur KHud-kushi ki rah nai sochne lage

    hai qarz ki ye shan ki lo aur kabhi na do

    das bis hath khao to do chaar KHud dharo

    marne pe qarz-KHwahon ke chande se yun uTho

    damDi na apni KHarch ho is ThaTh se maro

    chhe sat sal qarz ke paise na jab diye

    das bis sud-KHwar to yunhi Dhalak gae

    jo adh-mue the wo bhi the kuchh aise kaj-rawe

    be-sabr ho ke bole hazrat hum to ab chale

    wo hum ne qarz-KHwahon ki miTTi palid ki

    wo KHud to mar gae pa raqam un ki rah gai

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