if the muharim cuts his own hair while still in ahram at the end of his haj or umra is it ok or he has to get hair cut by a non muharim person, & if he dose this our of not knowing correct verdict then what is the penalty for this. dose same apply for females.

All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad is His Slave and Messenger.

Firstly, it is impermissible for a Muhrim to cut his hair until after performing Tawaaf and Saʻy if the person is performing ‘Umrah, and until the Day of Nahr (10th day of Thul-Hijjah) if one is performing Hajj. When it is time for the Muhrim to cut or shorten his hair to end his state of Ihraam and conclude his Hajj or ʻUmrah, it is permissible for him to either cut his own hair or to have someone cut it for him. This applies to both men and women. If this other person is in a state of Ihraam as well, some scholars held that it is impermissible for him (a person who is in a state of Ihraam) to cut someone's hair just as it is impermissible for him to cut his own hair or have it cut.

The Encyclopedia of Fiqh reads, “Scholars held different opinions regarding a person (in the state of Ihraam) cutting another person's hair. The Hanafis deemed it prohibited as is also one of the views adopted by the Maalikis. The view adopted by the Shaafiʻis and Hanbalis, and another opinion of the Maalikis is that it is allowable. They, i.e. Shaafiʻis, Hanbalis, and Maalikis, cited as evidence that this Muhrim would be shaving hair that is not inviolable as far as his own Ihraam is concerned, so it is not prohibited, nor is expiation required. The Hanafis, on the other hand, held that since a Muhrim is prohibited from cutting his own hair, then he is also prohibited from cutting the hair of others, as Allaah says (what means): {And do not shave your heads until the sacrificial animal has reached its place of slaughter.} [Quran 2:196] One usually would not shave his own head, but since it is forbidden for him to shave the heads of others, then it is forbidden for him to shave his own head with greater reason, regardless of whether the person being shaved is in a state of Ihraam or not.” [End of quote]

Please refer to Fatwa 228409.

Allaah Knows best.