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Is SBI Cards and Payment Services 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›SBICARD
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SBICARDNSE

SBI Cards and Payment Services Ltd.

Financial Services · Large Cap · India
₹596.55
▼ ₹28.7 (-4.59%) today
Day Range: ₹594.45 – ₹608
Volume: 11.5 L · as of 4 Jun 2026, 5:36 am
Shariah Status
Not Compliant
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Last screened 3 Jun 2026, 7:38 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 equity screening for the Indian market.

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© 2026 BarakFi · Educational screening · Not a religious ruling or financial adviceMade in India
Threshold: 30%
87.4%
Fail
Interest Income
Interest and treasury-based income as a share of business income. Must stay below 5%.
Threshold: 5%
49.8%
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%
0.4%
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%
3.2%
Pass
Why Not Compliant
SBI Cards and Payment Services Ltd. currently screens as not compliant on BarakFi. Failed on: debt_ratio, interest_income_ratio.
Market Data
Current Price
₹596.55
Day Range
₹594.45 – ₹608
52-Week Range
₹594.45 – ₹1,027.25
Volume
11.5 L
Market Cap
₹56,768 Cr
P/E Ratio
—
About SBI Cards and Payment Services Ltd.

SBI Cards & Payment Services Ltd. provides credit cards and payment solutions. The company is headquartered in Gurgaon, Haryana and currently employs 3,907 full-time employees. The company went IPO on 2020-03-16. The firm provides credit card services. The firm offers a wide range of credit cards to individual cardholders and corporate clients, which includes super premium card, premium cards, travel and shopping cards, classic cards, exclusive co-branded cards as well as corporate cards. The firm also offers value-added payment products and services.

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 ServicesLarge CapIndiaNSENifty 500Nifty SMALLCAP 100
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BAJAJFINSV
Bajaj Finserv Ltd.
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SHRIRAMFIN
Shriram Finance Limited
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ICICIAMC
ICICI Prudential Asset Management Company Ltd.
Compliant
Key Compliance Ratios
Debt Ratio87.4%
Interest Income49.8%
Non-permissible IncomeNot detected
Receivables Ratio0.4%
Overall StatusNot Compliant
Stock Information
TickerSBICARD
ExchangeNSE
SectorFinancial Services
CountryIndia
Market Cap₹56,768 Cr
36M Avg MCap₹59,523 Cr
Cap SizeLarge 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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