Is MAX HEALTHCARE INS LTD 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.
Fiqh & Shariah Ruling: Lifesaving healthcare services, clinical diagnostics, hospital care, and medical treatment are 100% HALAL and Virtuous (Mustahabb) under Islamic jurisprudence (Hifz al-Nafs / Preservation of Life). Stocks in this sector are permissible at Stage 1 and evaluated under Stage 2 financial ratio screening.
Islamic Jurisprudence (Hifz al-Nafs / Preservation of Life) & AAOIFI Standard 21
Stage 2: Financial Ratios
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Disclaimer: These metrics are provided as a supplementary reference based on available public data. This representation reflects our structured assessment; users are advised to conduct their own independent verification prior to making investment decisions. We do not assume legal or ethical liability for final investment outcomes.
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“FY 2025-26 (1 April 2025 ā 31 March 2026) Company kaam Max Healthcare hospitals, diagnostics, home healthcare, medical education aur research chalati hai. 2...”
“FY 2025-26 (1 April 2025 ā 31 March 2026) Company kaam Max Healthcare hospitals, diagnostics, home healthcare, medical education aur research chalati hai. 21 facilities, 11 cities, 6,000+ beds. Main business: Hospital network, Max Lab, Max@Home, MIME, international patients. Consolidated income Revenue from operations ā¹8,373 cr; total income ā¹8,536 cr; other income ā¹163 cr. Healthcare services 95.43%; drugs/pharma 2.80%; other operating 1.77%. Max Lab ā¹201 cr = 2.40%; Max@Home ā¹263 cr = 3.14%. Network: gross revenue ā¹10,538 cr; EBITDA ā¹2,638 cr; PAT ā¹1,631 cr. Interest aur expenses (consolidated) Interest income ā¹115 cr = total income 1.35%, revenue 1.37%. Finance cost ā¹235 cr = total income 2.75%, revenue 2.81%. Total expenses ā¹6,812 cr = total income 79.80%, revenue 81.35%. Standalone Revenue from operations ā¹2,874 cr; total income ā¹3,176 cr. Interest income ā¹198 cr = total income 6.25%, revenue 6.91%. Finance cost ā¹40 cr = total income 1.26%, revenue”
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Ratio Definitions & Logic
Ratio 1 ā Interest-Bearing Debt / Total Assets
Formula: (Funded Interest-Bearing Debt Ć· Total Assets) Ć 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 ā Impermissible Income / Revenue
Formula: (Bank Deposits & FDs + Bonds & Debt Securities + Other Impure Income) Ć· Total Revenue Ć 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 ā Liquid Assets / Total Assets
Formula: Total Liquid Assets Ć· Total Assets Ć 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
MAXHEALTH.NS ā¢ MAX HEALTHCARE INS LTD
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.
ā ļø 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.