This question was post during "Islam insaaniyat ke liye rehmat, na ke zehmat" in Urdu speech by Dr. Zakir Naik.
If at a particular time, a lady has no desire for sex with her husband, but he insists for it, what is her right of refusal in this context?
If a husband expresses his desire for sexual intercourse with his wife, and asks her to fulfill his need, then she should fulfill her husband's desire, and she has no right to refuse him or deprive him of his need (unless of course if she is undergoing her monthly menstruation period or is down with illness.
Islam encourages and insists on chastity and fidelity. Islam prohibits and condemn illicit sexual relations, extra-maritial affairs, pre-marriage sex, fornication, adultery, prostitution, pornography and promiscuity. It is for this reason that a wife is bound to fulfill her husband's sexual desires so as to prevent him form straying.
Narrarted Abu Huraira
Allah's Apostle (Pbuh) said, " If a husband calls his wife to his bed (i.e. to have sexual relations) and she refuses and causes him to sleep in anger, the angels will curse her till morning." (Sahih Al-Bukhari Vol. 4 Hadith No. 460 & Sahih Muslim Vol. 2 Hadith No. 3368)
Narrated Abu Huraira
The Messenger of Allah (swt) said: By him in whose hand is my life, when a man calls his wife to his bed, and she does not respond, the One Who is in the heaven is displeased with her untill he (her husband) is pleased with her. (Sahih Muslim Vol. 2 Hadith No. 3367)
Narrated Taiq ibn Ali
Allah's Messenger (Pbuh) said, " When a man calls his wife to satisfy his desire she must go to him even if she is occupied at the oven." (Al Tirmidhi Hadith No. 1160 & Ibn Ma'jah Hadith No. 4165)
From all the above mentioned Ahadith, it is Wajib upon the wife to fulfill the desire of her husband whenever he wishes. If the relationship between the husband and the wife is truly based on Islamic principles, in which both of them treat each other with love, affection, kindness, fulfilling all Islamic desires and settling all matters with mutual agreement and understanding, the question of the wife refusing the sexual desire of the husband does not arise. Nor does the question arise of the husband being insistent or getting perturbed at her not wanting to have sex.
Allah (swt) says in the Qur'an in Surah Rum, Chapter 30, verse no. 21:
" And among His signs is this that He created for you mates from among yourselves that you may dwell in tranquility with them and He has put love and mercy between your (hearts); verily in that are Signs for those who reflect."
If on certain rare occasions, the husband shows a desire for sexual intercourse with his wife, and for some genuine reason the wife shows a hesitation (not refusal), then it is possible, the husband can be understanding and voluntarily and happily give indication for postponement!
Allah (swt) says in the Qur'an, in Surah Baqara, chapter 2, verse no. 187:
"They (your wives) are your garments. And you are their garments."
Here, because of the strong bond between the husband and the wife, if the husband is not displeased or angry, the angels will not curse his wife and neither will she displease the Almighty.
Allah knows the best
Ref : irf.net/index.php