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.
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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.