Is ICDSLTD Halal & Shariah Compliant?
Shariah Screening Verdict
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Stage 1: Business Activity (Sector/Industry level Classification)
Core business activity is screened at the industry level; users are advised to verify company-specific revenue segments.
Stage 2: Financial Ratios
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“ICDS Limited (jiska purana naam Non-Banking Financial Company tha) ab kuch aur hi andaaz mein kaam kar rahi hai. 2002 mein RBI ne iska NBFC license cancel kar d...”
“ICDS Limited (jiska purana naam Non-Banking Financial Company tha) ab kuch aur hi andaaz mein kaam kar rahi hai. 2002 mein RBI ne iska NBFC license cancel kar diya tha, is liye ab yeh naya license lene ki koshish kar rahi hai aur tab tak yeh doosre kaam kar rahi hai. Yeh Company Filhaal 4 tarah ke kaam (segments) karti hai: 1. Rent / Premises (Rental Income) – Apni buildings aur investment properties ko kiraye par dena. 2. Trading Activities – Share market mein quotal shares (equity shares) khareedna aur bechna. 3. Others (Insurance Commission) – Life Insurance Corporation (LIC), ICICI Lombard, Bajaj aur Shriram General Insurance companies ka insurance products bechna aur commission lena. 4. Recovery / Financial Services – Purani (2002 se pehle) di gayi defaulted loans ki recovery karna. Breakdown of income / earnings (Sources): · Rent aur Maintenance charges se kamai: 1,280.4 Lakh ₹ (kafi bada hissa hai iska). · Trading of shares & securities (profit on sale of shares) se: 28.01 Lakh ₹. · Insurance Commission aur Service charges se: 9.15 Lakh ₹. · Interest Income (آپ کا سوال) – Company ne interest ki 3 forms mein kamai ki: 1. Bank Fixed Deposits (FDs) par interest mila: 42.10 Lakh ₹. 2. Inter-Corporate Loan (doosri company ko diye gaye loan) par interest: Note 9 ke mutabiq, Company ne Manipal Energy & Infratech Limited ko 5 Crore ₹ ka loan diya hai (balance sheet par 50,000 '000s dikh raha hai) jis par interest milta hai. (Other Interest ka total 64.26 Lakh ₹ tha, jisme yeh bhi shaamil hai). 3. Lease Security Deposit par Unwinding Interest (yaane kirayedaar se liye gaye security deposit par jo deemed interest hota hai) se: 9.87 Lakh ₹. · Dividend Income (doosri companies ke shares par) se: 15.54 Lakh ₹. · Sundry balances written back (purane pending accounts clear hone par) se: 0.46 Lakh ₹. Note: Ibrat ke taur par, FY 2025-26 mein Profit after tax (standalone) 46.37 Lakh ₹ raha, jab ke consolidated (subsidiary company sahit) mein 109.31 Lakh ₹ profit hua. Mukhtasir yeh ke yeh company rent, trading, insurance commission, aur interest/dividend se paisa kama rahi hai. Sab se zyada income rent ki hai, aur interest income iska doosra (ya teesra) bada zariya hai.”
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Ratio Definitions & Logic
Ratio 1 — Interest-Bearing Debt / Total Assets
Formula: (Funded Interest-Bearing Debt ÷ Total Assets) × 100. Total Debt strictly comprises funded interest-bearing bank borrowings (short-term working capital credit facilities and long-term term loans, credit lines, bonds, debentures, and commercial paper). Operating lease liabilities (Ind AS 116 / Ijarah store, shop, and warehouse rental contracts) are operational usufruct rentals, not Riba-bearing loans, and are strictly excluded from interest-bearing debt per leading national and international Shariah advisory standards. The standard screening threshold limit must be strictly less than 33.00%.
Ratio 2 — Impermissible Income / Revenue
Formula: (Bank Deposits & FDs + Bonds & Debt Securities + Other Impure Income) ÷ Total Revenue × 100. Includes all interest earned by the company (from bank fixed deposits, savings balances, debt instruments, and debentures) along with unpurified non-operating returns inspected directly from financial statement notes to accounts (Note 30 / 35). Pure operational revenue is strictly segregated from non-operating returns. The standard screening threshold limit must be strictly less than or equal to 5.00% per leading national and international Shariah advisory standards.
Ratio 3 — Liquid Assets / Total Assets
Formula: Total Liquid Assets ÷ Total Assets × 100. Total Liquid Assets equals Cash & Bank Balances + Short-Term Current Investments + Trade Receivables (Sundry Debtors). The screening threshold limit must be strictly less than 90.00%.
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Shariah compliance verdicts strictly evaluate official annual audited financial statements filed within 3 years of the current date.
Evaluated on group consolidated financial statements covering the parent entity and all active operating subsidiaries.
Verified Financial Disclosures: Financial figures extracted from available financial disclosures and validated against reporting-period and audit-status requirements.
Dividend Purification Calculator
ICDSLTD.NS • ICDSLTD
Shariah scholars (AAOIFI standards ke tahat) ihtiyat (precaution) ke taur par impure income ka 2x (double) hissa charity mein dene ka mashwara dete hain, taaki bank float, transit interest ya delayed accounting adjustments ka shubha khatam ho sake.
⚠️ Zaroori baat: Is raqam ko bagair sawab ki niyat ke welfare/sadqah mein dena hota hai kyunki iska maqsad sawab nahi balki apne bache hue maalam ko haraam/shubhe se paak karna hai.