When we see a pious man, who is outwardly living his life as per tenets of Islam, we are overawed and earnestly wish to be like him. But we do not whether are among the blessed or not. And even they would never know that they would among the blessed on the Day of Judgement. And this goes true for everyone of us for no matter how good are acts are in this world, we would not know whether our good deeds despite our sincerity and humility would be of any help to us when the Divine scales will be established on that fateful day.
This is exactly the theme of verses 103–104 of Surah 18. Kahf (The Cave) that teach a sobering lesson: the greatest tragedy is not merely to do little, but to spend an entire life doing what one imagines to be good, only to discover that pride, false belief, insincerity, or rejection of divine guidance had emptied those deeds of their value. Let us unpack these two verses and reflect on it very diligently to really know how worldly good deeds may be of no consequence on the Day of Judgement after we have been resurrected.
Surah Al-Kahf 18:103–104
قُلْ هَلْ نُنَبِّئُكُم بِٱلْأَخْسَرِينَ أَعْمَٰلًا
“Say, ‘Shall We inform you of those who are the greatest losers in respect of their deeds?’”
ٱلَّذِينَ ضَلَّ سَعْيُهُمْ فِى ٱلْحَيَوٰةِ ٱلدُّنْيَا وَهُمْ يَحْسَبُونَ أَنَّهُمْ يُحْسِنُونَ صُنْعًا
“They are those whose efforts are lost in the life of this world, while they think that they are doing excellent work.”
Explanation Verse 103: A question that awakens the conscience
Allah commands the Prophet ﷺ to ask: “Shall We inform you of the greatest losers in deeds?”
The question is deliberately striking. Normally, we think the greatest loser is someone who does nothing, wastes opportunities, or openly commits evil. But this verse prepares us for a more frightening possibility: a person may perform many deeds, make great efforts, sacrifice time and wealth, and still find those efforts worthless before Allah.
The word “أَخْسَرِينَ akhsarīn” means not merely “losers,” but the greatest or most complete losers. They lose twice:
- They spend their lives working and struggling.
- They discover in the Hereafter that what they relied upon has no value before Allah.
Thus, the verse forces every person to examine not only how much they are doing, but also whether what they are doing is accepted by Allah.
Explanation Verse 104: Effort without guidance
Allah then answers the question: “Those whose efforts have gone astray in the worldly life, while they think that they are doing good.”
The Arabic expression “ ضَلَّ سَعْيُهُمْ ḍalla saʿyuhum” means that their striving has missed its proper destination. Their effort may be intense, sincere, impressive, and admired by others, but it is travelling in the wrong direction.
The most alarming part is: “While they think that they are doing excellent work.”
They are not necessarily people who believe themselves to be evil. Rather, they may be fully convinced of their goodness. Their problem is not a lack of effort but a lack of correct guidance, faith, sincerity, or conformity with Allah’s commands.
Scholarly Explanation (Verse 104)
In his classical commentary (Tafsir Ibn Kathir), the renowned Islamic scholar Ibn Kathir explains that this verse describes the "greatest losers" in respect to their deeds. It refers to people who exert intense effort and perform acts in this worldly life thinking they are righteous and doing good, but whose deeds are entirely rejected by Allah. He adds that the verse highlights a terrifying form of self-delusion. These individuals are completely misguided ("those whose effort is lost in worldly life"), yet they are entirely oblivious to their error ("they think that they are doing well"). Their hearts are blinded, leading them to believe their actions are pleasing to God, when in reality, they are accumulating nothing but loss.
Sayyid Abul Ala Maududi explains: This verse has two meanings. The one is the same that we have adopted in the translation. The other meaning is this: "...those who confined all their endeavors to the worldly life". That is, whatever they did, they did for this world without paying any regard to God and the Hereafter. As they considered the worldly life to be the real life, they made the success and prosperity in this world their sole aim and object. Even if they professed the existence of Allah, they never paid any heed to the two implications of this profession: to lead their lives in a way to please Allah and to come out successful on the Day they shall have to render an account of what they did in this world. This was because they considered themselves to be mere rational animals who were absolutely independent and free from every kind of responsibility and had nothing else to do but to enjoy the good things of the world like animals in a meadow.
The following verse, 18:105, explains the underlying cause: they rejected Allah’s signs and the meeting with Him. Therefore, their deeds lost their ultimate spiritual foundation.
Read explanation of this verse in conjunction with our earlier post: Who will be the greatest losers in respect of their deeds
How the two verses are linked
Verse 103 asks the question, while verse 104 provides the unexpected answer.
- Verse 103 creates curiosity: Who are the greatest losers?
- Verse 104 reveals that they are not merely the inactive or openly immoral, but those who work hard under a false sense of righteousness.
Together, the verses teach that effort alone does not guarantee salvation. A deed must be based on: (1) correct faith, (2) sincere intention, (3) knowledge and guidance, (4) and conformity with what Allah has commanded. These verses teach us that "A person can be busy doing good deeds he may actually be misguided, sincere but mistaken, or socially praised but spiritually bankrupt."
Context within Surah Al-Kahf
These verses appear near the conclusion of Surah Al-Kahf, after several stories illustrating how human beings can be deceived:
- The People of the Cave show the importance of preserving faith.
- The owner of the two gardens is deceived by wealth and worldly success.
- Musa عليه السلام learns that human knowledge is limited.
- Dhul-Qarnayn shows how power should be exercised with justice and humility.
After these examples, verses 103–104 give a general warning: human beings may be deceived not only by wealth, knowledge, and power, but also by their own sense of moral correctness. The verses are therefore closely connected with one of the Surah’s central themes: appearances can be misleading, while Allah alone knows the true value and outcome of things.
Applicability today
These verses are especially relevant in an age when people measure goodness through popularity, productivity, public approval, or personal feelings.
A person may say, “My intentions are good,” but good intentions do not make every method lawful. Someone may promote an ideology, religious practice, political cause, or social movement while never examining whether it agrees with truth and divine guidance.
The verses warn us against:
- Practicing religion according to personal preference rather than the Qur’an and authentic Sunnah;
- Performing good deeds for reputation, praise, followers, or public recognition;
- Defending injustice because it serves one’s group, party, sect, or personal interests;
- Spreading information without verification while believing one is helping others;
- Becoming so confident in one’s own opinion that correction is rejected;
- Judging success only by visible results rather than by obedience to Allah.
Modern technology intensifies this danger. Social media can create an echo chamber in which a person repeatedly receives approval and begins to assume that public applause proves moral correctness. But the Qur’an teaches that popularity is not the same as truth, and sincerity is not a substitute for guidance.
How can we avoid becoming such people?
This is the crux of the above two verses. These verses teach us to reflect on their substance so that we should regularly ask ourselves:
- Is this action supported by the Qur’an and authentic Sunnah?
- Am I seeking Allah’s pleasure or people’s admiration?
- Am I willing to correct myself when shown clear evidence?
- Does my action contain injustice, arrogance, or harm?
- Do I remember that I will meet Allah and answer for my choices?
The protection lies in combining īmān, sincerity, knowledge, humility, and righteous action. This is reflected in the final verse of the Surah:
“So whoever hopes for the meeting with his Lord, let him do righteous work and associate no one in the worship of his Lord.” —Surah Al-Kahf 18:110
Final Reflection
Thus, verses 103–104 teach a sobering lesson: the greatest tragedy is not merely to do little, but to spend an entire life doing what one imagines to be good, only to discover that pride, false belief, insincerity, or rejection of divine guidance had emptied those deeds of their value.
Let us start looking inwardly rather than outwardly after reflecting on these two verses. Let humility permeate in us and let us do good only to please Allah by following His commandments and surface less outwardly lest any action of us unknowingly white washes our good deeds - leaving us empty handed when we meet our Lord on the promised day.
May Allāh (سبحانه و تعالى) help us understand Qur'ān and follow the Sunnah of Prophet Muhammad ﷺ, which is embodiment of commandments of Allah contained in the Qur'ān. May Allah help us to be like the ones He loves and let our lives be lived helping others and not making others' lives miserable or unlivable. May all our wrong doings, whether intentional or unintentional, be forgiven before the angel of death knocks on our door.
وَمَا عَلَيۡنَاۤ اِلَّا الۡبَلٰغُ الۡمُبِيۡنُ
(36:17) and our duty is no more than to clearly convey the Message.”
That is Our duty is only to convey to you the message that Allah has entrusted us with. Then it is for you to accept it or reject it. We have not been made responsible for making you accept it forcibly, and if you do not accept it, we shall not be seized in consequence of your disbelief, you will yourselves be answerable for your actions on Day of Resurrection.
May Allah forgive me if my posts ever imply a piety far greater than I possess. I am most in need of guidance.
Reading the Qur'ān should be a daily obligation of a Muslim - Reading it with translation will make it meaningful. But reading its Exegesis / Tafsir will make you understand it fully. It will also help the Muslims to have grasp over social issues and their answers discussed in the Qur'an and other matter related to inter faith so that they are able to discuss issues with non-Muslims with authority based on refences from Qur'an.
Note: When we mention God in our posts, we mean One True God, we call Allah in Islam, with no associates. Allah is the Sole Creator of all things, and that Allah is all-powerful and all-knowing. Allah has no offspring, no race, no gender, no body, and is unaffected by the characteristics of human life.
You may refer to more Selected Verses from Surah 18. Al Kahf (The cave), already published.
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- Selected verses from selected Surahs of Al-Qurʾān for compiled verses from other surahs.
- Selected Verses from Al Qur'an about a Specific Subject (Reference Page) to know more about what Qur'an says about specific subjects
- Selected Verses from the Qur'an.
You may also refer to our Reference Pages and Understanding Al Qur'an for knowing more about Islam and Qur'ān.
An effort has been made to gather explanation / exegesis of the surahs and selected verses of Al-Qurʾān from authentic sources and then present a least possible condensed explanation of the surah. In that the exegesis of the chapters of the Quran is mainly based on the "Tafhim al-Qur'an - The Meaning of the Qur'an" by one of the most enlightened scholars of the Muslim World Sayyid Abul Ala Maududi.
In addition, other sources which have been explored and views of other scholars have been incorporated while explaining meaning of a verse. Those desirous of detailed explanations and tafsir (exegesis), may refer to these sites. For expansion of meaning and themes / contextual background help from ChatGPT is also taken.
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