Is Raghunath Tobacco Co. Ltd. Halal & Shariah Compliant?
Shariah Screening Verdict
FINANCIAL DATA UPDATE IN PROGRESS • RAGHUTOB.BO
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Stage 1: Business Activity (Sector/Industry level Classification)
Belongs to Residential & Commercial Real Estate › Real Estate Development. Prohibited (HARAM) business activity under Shariah standards.
Tobacco is prohibited by many contemporary Islamic scholars because of its established harm to health and its wasteful nature. This is supported by the Qur'anic principles of not causing harm or destruction and avoiding waste/extravagance. Relevant verses include Qur'an 2:195 (do not throw yourselves into destruction), Qur'an 4:29 (do not kill yourselves), and Qur'an 7:157 (the Prophet ﷺ permits good things and prohibits harmful/evil things).
Stage 2: Financial Ratios
“CIGRETTEE WALI COMPANY HAI - PLS CHECK”
“Core business non-permissible in Islam: RTCL Limited ka kaam real estate (land sale/rental) aur interest-based loans/income hai. Interest (riba) Islam mein hara...”
“Core business non-permissible in Islam: RTCL Limited ka kaam real estate (land sale/rental) aur interest-based loans/income hai. Interest (riba) Islam mein haram hai, is liye Shariah ke mutabiq is company mein investment permissible nahi. Company kya karti hai: Real estate development, land sale, rental income aur loans par interest. Manufacturing/trading nahi. Segments: Trading/Agency 0%, Departmental Store 0%, Real Estate 100% (FY 2025-26). Total revenue FY26 (Apr 2025 – Mar 2026): 282.10 lakh rupaye. · Land sale (Revenue from Operations): 104.88 lakh = 37.18%. · Interest income: 116.967 lakh = 41.46%. · Rental income: 60.255 lakh = 21.36%. Debt (31 Mar 2026): 248.94 lakh rupaye. · Revenue ke mukable: 88.25%. · Total assets ke mukable: standalone 6.40%, consolidated 4.89%. Liquid assets: Cash 14.10 lakh + Trade receivables 52.66 lakh = 66.76 lakh. · Standalone total assets ka 1.72%. · Illiquid assets: 98.28%. · Consolidated: liquid 1.31%, illiquid 98.69%. FY25 comparison: Revenue 165.07 lakh, interest income 107.48 lakh (65.11%), debt 232.43 lakh (revenue ka 140.80%). Note: Yeh financial screening hai; final Shariah ruling ke liye apne Shariah advisor se rujoo karein.”
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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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Dividend Purification Calculator
RAGHUTOB.BO • Raghunath Tobacco Co. Ltd.
Is company ke official financial disclosures me 0.00% impure income report hui hai. Iska matlab aapka poora dividend 100% halal aur paak hai — koi purification raqam nikalne ki zaroorat nahi hai.
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.