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Home/Screener/HDFCLIFE
NSEInsuranceIndia
HDFCLIFE logo

HDFC Life Insurance Company Limited

Non-Compliant
₹565

-1.39% today · Day ₹555 – ₹569 · NSE (public)

4/6Pass

This stock doesn't meet 3 Shariah rules. See below to understand why.

68/100
Non-Compliant

This stock doesn't meet 3 Shariah rules. See below to understand why.

Market Cap₹1.2 L
Revenue₹90,069
Total Debt₹2,950
Debt / Mcap2.68%
Non-Halal Income14.10%
SectorInsurance
✦
Insurance›Insurance
▲
Large Cap›Market cap of ₹1.2 L
⇅
Low Risk›Debt ratio 2.68%
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Price Chart
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52-Week Range4% from low
₹555₹565₹821
52-Week Low₹555
52-Week High₹821
Prev Close₹573

Multi-Methodology Screening

Screened against 3 international Shariah standards

ConsensusNon-Compliant0/3 pass
S&P Shariah IndicesNon-Compliant
Debt Ratio2.7%/ 33.0%
Non-Halal Income14.1%/ 5.0%
Interest Income14.1%/ 5.0%
Receivables1.3%/ 33.0%
Cash & IB Securities2.2%/ 33.0%
SectorProhibited

Business sector is non-compliant (prohibited activity).

Non-permissible income is 14.1% of revenue (limit: <5%).

Interest income is 14.1% of revenue (limit: <5%).

AAOIFI StandardsNon-Compliant
Debt Ratio0.8%/ 30.0%
Non-Halal Income14.1%/ 5.0%
Interest Income14.1%/ 5.0%
Receivables0.4%/ 49.0%
Cash & IB Securities2.2%/ 30.0%
SectorProhibited

Business sector is non-compliant (prohibited activity).

Non-permissible income is 14.1% of revenue (limit: <5%).

Interest income is 14.1% of revenue (limit: <5%).

FTSE Yasaar (Maxis)Non-Compliant
Debt Ratio0.8%/ 33.0%
Non-Halal Income14.1%/ 5.0%
Interest Income14.1%/ 5.0%
Receivables0.4%/ 50.0%
Cash & IB Securities2.2%/ 33.0%
SectorProhibited

Business sector is non-compliant (prohibited activity).

Non-permissible income is 14.1% of revenue (limit: <5%).

Interest income is 14.1% of revenue (limit: <5%).

Each methodology uses different denominators and thresholds. A stock may be compliant under one standard but not another. The consensus reflects the majority verdict across all three.

Compliance check

Green = safe, amber = close to limit, red = over the limit

Debt level
2.68%
How much debt the company carriesLimit: 33.00%
Current debt
2.42%
Debt compared to current company valueLimit: 33.00%
Income purity
14.10%
How much income comes from non-halal sourcesLimit: 5.00%
Interest earned
14.10%

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NIACL logo
Interest income as portion of total revenueLimit: 5.00%
Money owed to company
1.27%
Outstanding receivables compared to company valueLimit: 33.00%
Cash & interest-bearing
2.18%
Cash and interest-bearing securities as a portion of total assetsLimit: 33.00%
Fixed Assets / Total Assets
0.16%
Asset composition indicatorNo hard threshold

Screening rules

Why it screened this way

✗

Business sector is non-compliant (prohibited activity).

✗

Non-permissible income is 14.1% of revenue (limit: <5%).

✗

Interest income is 14.1% of revenue (limit: <5%).

Screening results indicate whether this stock meets specific methodology criteria. They do not constitute a fatwa or religious ruling. Consult a qualified Shariah scholar for definitive guidance. View methodology
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