The Holy Quran 2:81 — Surah Al-Baqarah
Arabic text
بَلَىٰ مَن كَسَبَ سَيِّئَةً وَأَحَـٰطَتْ بِهِۦ خَطِيٓـَٔتُهُۥ فَأُو۟لَـٰٓئِكَ أَصْحَـٰبُ ٱلنَّارِ ۖ هُمْ فِيهَا خَـٰلِدُونَ
Translation
Without any doubt (you shall enter Jahannam and remain there forever)! Those who commit evil (Shirk) and whose evil acts have enveloped them (causing them to die as Mushrikeen), these are the ones who will be the occupants (inhabitants) of the Fire (of Jahannam) where they will live forever.
Tafsir (excerpt) — Tafsir Usmani
When sins encompass someone: this means that sins so overpower him that there remains no side of him where sin does not prevail. Hence, if faith and affirmation (tasdiq) remain in the heart, the encompassing mentioned will not be realised. So this situation can apply only to a kafir.
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