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Is Aavas Financiers Ltd. Shariah Compliant? | BarakFi | BarakFi
NIFTY 5023,842.75+0.54%SENSEX78,553.20+0.54%NIFTY BANK51,236.80-0.17%NIFTY IT33,156.40+0.75%NIFTY PHARMA19,872.35+0.28%NIFTY AUTO23,145.90-0.48%NIFTY FMCG56,234.15+0.32%INDIA VIX13.42-2.75%NIFTY 5023,842.75+0.54%SENSEX78,553.20+0.54%NIFTY BANK51,236.80-0.17%NIFTY IT33,156.40+0.75%NIFTY PHARMA19,872.35+0.28%NIFTY AUTO23,145.90-0.48%NIFTY FMCG56,234.15+0.32%INDIA VIX13.42-2.75%
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Home›Screener›AAVAS
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AAVASNSE

Aavas Financiers Ltd.

Financial Services · Mid Cap · India
₹1,320
▼ ₹73.3 (-5.26%) today
Day Range: ₹1,306.2 – ₹1,343.7
Volume: 48.7K · as of 1 Jun 2026, 2:26 pm
Shariah Status
Not Compliant
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Last screened 29 May 2026, 7:31 pm IST.
Methodology
AAOIFI aligned · 2026.04.2
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Not Compliant
Compliance
Market Data
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Shariah Compliance Breakdown
Debt Ratio
Interest-bearing debt compared to methodology denominator (AAOIFI: total assets). Must stay below 30%.
Disclaimer:The information on this page is for educational purposes only and does not constitute a religious ruling (fatwa) or financial advice. Shariah compliance status is derived from publicly available financial data and BarakFi's methodology mapping. Individual scholars may reach different conclusions. Always consult a qualified Islamic finance scholar and a licensed financial advisor before making investment decisions.
BarakFi
Shariah-compliant stock research for Indian equities. Educational only.
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MethodologyAbout
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© 2026 BarakFi · Educational screening · Not a religious ruling or financial adviceMade in India
Threshold: 30%
93.3%
Fail
Interest Income
Interest and treasury-based income as a share of business income. Must stay below 5%.
Threshold: 5%
86.0%
Fail
Non-permissible Income
Non-halal income compared to total business income. Must stay below 5%.
Threshold: 5%
Not detected
Pass
Accounts Receivable
Receivables compared to methodology denominator (AAOIFI: total assets). Must stay below 49%.
Threshold: 49%
0.1%
Pass
Business Activity
Core business lines should avoid prohibited sectors and interest-driven revenue dependence.
Allowed
Pass
Cash & Interest-bearing Assets
Cash, equivalents, and interest-bearing balances compared to total assets. Must stay below 30%.
Threshold: 30%
0.1%
Pass
Why Not Compliant
Aavas Financiers Ltd. currently screens as not compliant on BarakFi. Failed on: debt_ratio, interest_income_ratio.
Market Data
Current Price
₹1,320
Day Range
₹1,306.2 – ₹1,343.7
52-Week Range
₹1,060.4 – ₹2,152.9
Volume
48.7K
Market Cap
₹10,649 Cr
P/E Ratio
16.7×
About Aavas Financiers Ltd.

Aavas Financiers Ltd. engages in the provision of housing loans to customers belonging to low and middle income segment in semi-urban and rural areas. The company is headquartered in Jaipur, Rajasthan and currently employs 6,034 full-time employees. The company went IPO on 2018-10-08. The firm is engaged in providing the home loans to the customers belonging to low- and middle-income segment in semi urban and rural areas. The Company’s offerings include home loan, plot and home construction loan, home improvement loan, home loan balance transfer, loan against property, micro, small and medium enterprise (MSME) loan, emergency credit line guarantee scheme, and small ticket size (STS) loan. The company offers customers home loans for the purchase or construction of residential properties, and for the extension and repair of existing housing units. The company also offers other mortgage loans, including loans against property. The firm operates in markets, such as Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha and Karnataka.

BarakFi combines that company context with filing-driven screening ratios, market-cap evidence, and live quote snapshots so you can review the stock through a Shariah-screening lens without losing the underlying business picture.

Index and universe context: Nifty 500 • Nifty SMALLCAP 100.

Financial ServicesMid CapIndiaNSENifty 500Nifty SMALLCAP 100
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Key Compliance Ratios
Debt Ratio93.3%
Interest Income86.0%
Non-permissible IncomeNot detected
Receivables Ratio0.1%
Overall StatusNot Compliant
Stock Information
TickerAAVAS
ExchangeNSE
SectorFinancial Services
CountryIndia
Market Cap₹10,649 Cr
36M Avg MCap₹12,735 Cr
Cap SizeMid Cap
About this Screening
This page uses an AAOIFI-aligned methodology version 2026.04.2, checking debt, interest income, non-permissible income, receivables, and balance-sheet context from the current filings dataset.

This is educational only — not a religious ruling or financial advice. Read the full methodology for threshold context and update cadence.

Read full methodology →
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