Screening rules
Why it screened this way
✗
No hard-rule violations detected.
USFinancial ServicesIndia
Mastercard Incorporated
Cautious₹493
We can't fully confirm this stock yet — it needs a manual check by a scholar or compliance expert.
100/100
Cautious
We can't fully confirm this stock yet — it needs a manual check by a scholar or compliance expert.
Market Cap₹4.4 L
Revenue₹32,791
Total Debt₹19,000
Debt / Mcap4.79%
Non-Halal Income2.19%
SectorFinancial Services
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Multi-Methodology Screening
Screened against 4 international Shariah standards
ConsensusNon-Compliant0/4 pass
S&P Shariah IndicesCautious
Debt Ratio4.8%/ 33.0%
Non-Halal Income2.2%/ 5.0%
Interest Income2.2%/ 5.0%
Receivables1.1%/ 33.0%
Cash & IB Securities20.1%/ 33.0%
SectorAllowed
AAOIFI StandardsNon-Compliant
Debt Ratio35.1%/ 30.0%
Non-Halal Income2.2%/ 5.0%
Interest Income2.2%/ 5.0%
Receivables8.5%/ 49.0%
Cash & IB Securities20.1%/ 30.0%
SectorAllowed
Debt is 35.1% of total assets, exceeding the 30% threshold set by AAOIFI.
Debt is 35.1% of current total assets, exceeding the 30% threshold.
FTSE Yasaar (Maxis)Non-Compliant
Debt Ratio35.1%/ 33.0%
Non-Halal Income2.2%/ 5.0%
Interest Income2.2%/ 5.0%
Receivables8.5%/ 50.0%
Cash & IB Securities20.1%/ 33.0%
SectorAllowed
Debt is 35.1% of total assets, exceeding the 33% threshold set by FTSE.
Debt is 35.1% of current total assets, exceeding the 33% threshold.
Khatkhatay Independent NormsNon-Compliant
Debt Ratio35.1%/ 25.0%
Non-Halal Income2.2%/ 5.0%
Interest Income2.2%/ 5.0%
Receivables8.5%/ 100.0%
Cash & IB Securities20.1%/ 10.0%
SectorAllowed
Debt is 35.1% of total assets, exceeding the 25% threshold set by Independent.
Debt is 35.1% of current total assets, exceeding the 25% threshold.
Cash & interest-bearing securities are 20.1% of total assets, exceeding the 10% limit under Independent.
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
4.79%Current debt
4.31%Income purity
2.19%Interest earned
2.19%Similar stocks
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