The List of Shariah Compliance Stocks.

As Dated- 01-10-2020-  Updated- 25/02/2024

Company Name Sectors Shariah Compliant
Adani Gas Ltd. Oil & Gas Compliant
Ajanta Pharma Ltd. Health care Compliant
Apollo Hospitals Enterprise Ltd. Health care Compliant
Sona BLW Precision Forging Automobile Compliant
Sirca Paints Ltd Consumer Compliant
Atul Ltd. Capital Goods Compliant
Avanti Feeds Ltd. Consumer Compliant
Bharat Petroleum Corporation Ltd. Oil & Gas None Compliant
Biocon Ltd. Health care None Compliant
Cipla Ltd. Health care Compliant
Coal India Ltd. Metal & Minings Compliant
Deepak Nitrite Ltd Capital Goods Compliant
Dr. Lal Pathlabs Ltd. Health care Compliant
T V S  Motor Automobile None Compliant
GAIL (India) Ltd. Oil & Gas Compliant
Havells India Ltd Capital Goods Compliant
Hero MotoCorp Ltd. Automobile Compliant
Hindustan Unilever Ltd. Consumer Compliant
Hindustan Zinc Ltd. Metal & Minings Compliant
Indiamart Intermesh Ltd Consumer Compliant
Indian Energy Exchange Ltd. Power & Utilities Compliant
Infosys Ltd. IT Compliant
ITC Consumer None Compliant
JK Cement Ltd Real estate Compliant
Jyothy Labs Ltd. Consumer Compliant
KRBL Ltd Consumer Compliant
Larsen & Toubro Ltd. Capital Goods Compliant
Maruti Suzuki India Ltd. Automobile Compliant
Mindtree Ltd. IT Compliant
Motherson Sumi Wiring India Ltd. Automobile Compliant
Natco Pharma Ltd. Health care Compliant
Nestle India Ltd. Consumer Compliant
NMDC Ltd. Metal & Minings Compliant
NTPC Power & Utilities Not
Oil & Natural Gas Corporation Ltd. Oil & Gas None Compliant
Petronet LNG Ltd. Oil & Gas Compliant
Pidilite Industries Ltd. Capital Goods Compliant
Power Grid Power & Utilities None Compliant
Relaxo Footwears Ltd. Consumer Compliant
Shree Cement Ltd. Real estate Compliant
Sun Pharmaceutical Industries Ltd. Health care Compliant
Suven Pharmaceuticals Ltd. Health care Compliant
Tata Consultancy Services Ltd. IT Compliant
Tata steel Metal & Minings None Compliant
Titan Company Ltd. Consumer Compliant
Ultratech Cement Ltd. Real estate Compliant
Tanla Platform IT Compliant
Electronics Mart of India Consumer Compliant
Whirlpool Of India Ltd. Capital Goods Compliant
HCL Ltd. IT Compliant
Source: Annual Report of Company & BSE india

Disclaimer: We are providing the list of Shariah compliance stocks for your reference. Before investing in these stocks you have to do your research and analysis.

Wish you all the best for your investment journey.

Jazakallah Khair

Investo Halal  Team

Know the company background research of different companies to invest.

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Just as investors invest in any other type of investments, such as fixed deposits, recurring deposits (RD), Post office deposits and hope to make a profit on it after a certain time.

Also, Mutual Fund Investment is also an excellent medium of investment where investors can earn better returns by investing.

“Mutual Fund is a less risky option with more profit”

What is Mutual Funds?

Mutual fund is made with two words – Mutual and fund

Mutual means – mutual, mixed, mutual bonding,

fund means – money (money collected together).

In this way Mutual Fund means – a lot of people were gathered together to invest money.

Mutual Funds managed by a Fund Manager who has experience in financial markets.

In this way, the money deposited from different investors is invested in stock market and government or corporate bonds, etc. according to the objective and condition already stated in that mutual fund.

In other words, “Mutual fund is an INVESTMENT system in which a huge FUND is prepared by mixing together the money of many people and Managed by Fund Manager.

How Mutual Funds works –

Mutual Fund is a Unit Investment System

Mutual fund is a system of investment in which money is deposited, deposited from different investors, and units are given to the investors in exchange for the money deposited,

Mutual Fund Unit & Mutual Fund Unit Holder:

Mutual fund investor is called a unit holder.

A unit given to a mutual fund investor has a price, also known as a mutual fund unit price,

And this unit price changes daily, which tells the profit or loss to the investor in the mutual fund,

NFO- New Fund Offer

Any mutual fund scheme, when the offer that is brought to the public to invest in the scheme for the first time, is called New Fund Offer.

In NFO, investors are offered Unit of Mutual Fund for a fixed Price.

For example, if TATA brings a mutual fund scheme, then KIM (Key Information), SID (Scheme Offer Document) and leaflets can be seen on its website, Where all information related to the offer is available,

NFO also has a minimum investment Amount, like 5000, or 10000 rupees,

And the NFO opens for a few days, and then becomes CLOSE,

Once the NFO is CLOSE, suppose

The company collected Rs 10 crore from NFO, and had a unit PRICE of Rs 10,

So in this way there are total units, 1 crore,

And if I put 50000 rupees in NFO, then I will get 5000 units,

Let’s assume profits are 15 % and consider one year.

Now total profit for one year will be 1.5 crore. The profits divided by no. of shares.

After calculation we got 1.5 RS Profit for each share.

Now you have 5000 shares ,then total profits = 1.5 x 5000= 7500 RS.

You have to remember the below point for investing in Mutual Funds.

  1. First you have to check shariah compliance Mutual Funds.
  2. In India there are only few funds which are shariah compliant and they will show shariah certificates.
  3. Needs patience to hold for a long time ,Minimum 10 years for good results.
  4. The Best way to invest in Mutual Funds through SIP (Systematic investment plan).
  5. Invest in Mutual Funds through Direct Plan, not Regular Plan.
  6. In Mutual funds you can create more money due to Power of Compounding. Compounding works only for long terms.
  7. Mutual Funds Needs regular investments.
  8. You can start with a minimum 5000 RS for the first time and after this multiple of 100 will be okay.
  9. You have to diversify your monthly investment in at least 3 funds.
  10. You can invest in Lump Sum amounts also.

I hope you will learn and understand about the Mutual Funds. This is based on my research for educational purposes.

Wishing you best for your investment Journey. Jaza kallah Khair.

  1. Look to the Equity in  Balance sheets :
  Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Sep-19
Share Capital + 64 64 64 64 64 64 64 64 64 64 64 64 64

2-Look to the Assets:    Assets are growing 107 to 1388,

Fixed Assets + 107 121 134 157 221 243 248 309 304 268 296 317 1388

3-Check Profits:

Net Profit 41 59 63 88 259 172 191 231 217 159 221 329 379

4-Check the dividend:  They are giving dividend 15-32 % .

Dividend Payout % 32% 27% 31% 29% 15% 22% 22% 18% 21% 28% 23% 24%  

5-Check the reserve:

Reserves 195 233 272 329 508 635 776 957 1,157 1,260 1,410 1,678 1,659

6-Check the Loans:

Borrowings 52 45 30 76 0 0 0 0 0 0 0 0 217

7-Check the Cash:

Cash Equivalents 34.83 37.43 57.34 138.89 123.03 187.69 255.75 210.06 342.47 522.04 591.19 840.32 800.02

8-Checked the Growth:

Sales + 867 987 1,092 1,275 1,549 1,842 2,065 2,694 2,423 2,474 2,634 2,931 3,116

9-Check the OPM %:                  This is growing up.

OPM % 7% 9% 11% 13% 15% 16% 16% 13% 11% 12% 14% 17% 25%


Results- Overall Company is financial sound.

This research is based on my experience before investing you have to do your own research and used it as guide.

Wish you best for your investment journey

Jazakalllah Khair

Business Model of Vakrangee:


-Now these are all services provided by the company at one shop , called NEXZEN VAKRANGEE KENDRA.

– No Any company providing all service at one place.


Franchise Model: 


Employees :



Positive Points:


To Gain Trust:

Income from Store:

Nextzen Outlet Commission Sharing ratio:  Ranging from 65:35 to 80:20 based on Service Type

  1. Income from ATM:

Benefits to Company:

  1. Income From E-Commerce:
  1. Banking Services: Franchisees are getting commission up to 60000 thousand monthly.
  1. Domestic Transfer: Charging 1% of transaction value and company is taking 30% of service.
  2. IRCTC- 
  3. Insurance.
  4. TeleMedicine: V-Health 
  5. BPPS- Services- 
  6. Mobile & DTH Recharge.
  7. Courier Services-
  8. Mutual Funds.

Financial Aspect:    

  1. Look to the  Equity in Balance sheets :
  Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Sep-19
Share Capital +  21  21 21 22 24 25 50 50 50 53 53 106 106

2-Look to the Assets:    

Other Assets +  63 73 223 414 563 943 1,238 1,753 1,959 2,246 2,871 2,558 2,629

3-Check Profits:

Net Profit 50 4 24 48 71 104 175 322 395 531 680 25 47

4-Check the dividend:  They are giving a dividend 15-32 % .

Dividend Payout % 9% 49% 14% 10% 7% 10% 7% 4% 17% 20% 4% 105% – 

5-Check the reserve: 

Reserves 250 247 274 323 392 464 627 907 1,530 2,001 2,487 2,496 2,496

6-Check the Loans:

Borrowings 1 22 69 163 459 542 492 416 320 144 0 0 0

7-Check the Cash:

Cash Equivalents 4.42 4.48 4.89 17.59 28.41 31.89 29.34 38.2 167.2 603.2 1474.45 1144.17 1146.39

8-Checked the Sales Growth:

  Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 TTM
Sales +  224 294 428 890 1,353 1,547 1,952 2,780 3,191 4,000 6,502 1,508 579

9-Check the OPM %:   

OPM % 45% 38% 19% 16% 18% 25% 27% 26% 26% 24% 15% -1% 1%

The above Research for the purpose of support only . On the basis of this you can do your research before Investing. I am doing research only for Halal Company.

All the best for your Halal Investing Journey.


Investo Halal

D-Mart is a one-stop supermarket chain that aims to offer customers a wide range of basic home and personal products under one roof. 

Each DMart store stocks home utility products – including food, toiletries, beauty products, garments, kitchenware, bed and bath linen, home appliances and more – available at competitive prices that our customers appreciate. 

Core objective is to offer customers good products at great value.

DMart was started by Mr. Radhakishan Damani and his family to address the growing needs of the Indian family. 

The launch of its first store in Powai in 2002,

DMart today has a well-established presence in 206 locations across Maharashtra, Gujarat, Andhra Pradesh, Madhya Pradesh, Karnataka, Telangana, Chhattisgarh, NCR, Tamil Nadu, Punjab and Rajasthan. 

With our mission to be the lowest priced retailer in the regions we operate, our business continues to grow with new locations planned in more cities.

Business Structure:

D-Mart Hyper market One stop solutions & deals with 3-categories

Business Model:   B2C

Buy Product from Manufacturers and sell to the End User.

That’s why operating profit Margin will be more.t

Benefits of Organized Retails Store:

Business Growth Parameters:

  1. Form of Business Type:      Structural 
  Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19
Sales +  2,209 3,341 4,686 6,439 8,584 11,898 15,033 20,005
Expenses +  2,071 3,126 4,345 5,981 7,920 10,929 13,680 18,371
Operating Profit 138 215 342 458 664 968 1,353 1,633
OPM % 6% 6% 7% 7% 8% 8% 9% 8%

2. Stage of Business:            Growing 

3. Evolution of Business:      Geographical Expansion.

•Maharashtra (70)

• Gujarat (34)

• Telangana (21)

• Karnataka (16)

• Andhra Pradesh (11)

• Madhya Pradesh (6)

• Rajasthan (5)

• Punjab (3)

• Tamil Nadu (3)

• Chhattisgarh (3)

• NCR (1)

• Daman (1)

Now huge opportunity in North India, Central and east India.

2002   –         1 Store in Mumbai

2009-2010     –     25 store 

2011-2012     –     50 Store

2015-2016     –     100 store

2019-2020     –     196 store

Industry Overview?

Risk Factor: 

  1. Discount price, how long they will survive due to more competition in the retails sector.
  2. Consequently 2 years getting lost in E-Commerce. What will be the future in E-Commerce?

The Key Product Categories Can Be Classified Into:

Foods Non-Foods General Merchandise & Apparel
Dairy, staples, groceries, snacks, frozen products, processed foods, beverages & confectionery and fruits & vegetables Home care products, personal care products, toiletries and other over-the-counter products Bed & bath, toys & games, crockery, plastic goods, garments, footwear, utensils and home appliances
51.25% Revenue Contribution FY 2018-19 20.46% Revenue Contribution FY 2018-19 28.29% Revenue Contribution FY 2018-19
51.55% Revenue Contribution FY 2017-18 20.03% Revenue Contribution FY 2017-18 28.42% Revenue Contribution FY 2017-18
53.32% Revenue Contribution 2016-17 19.85% Revenue Contribution 2016-17 26.83% Revenue Contribution 2016-17

Summaries of Qualitative Analysis:

  1. Company: 
  1. Business Model:                 –        B 2 C

The Company has 3- segment:

  1. Food items-    Revenue sharing- 51.25%
  2. Non-Foods –    Revenue  —-        – 20.46%
  3. General & Apparel  –  Revenue-   –  28.29%
  1. Management :
  1. Expansion :
  1. Risk Factors:

Low Price- Their main motto is to sell at low price as compared to others. But how long they will survive if other players come and also sell at a low price. Then how you hold the customer.

E-Commerce- This market is going to next booms in groceries retailing. Many retailers are already working and many are coming. They are also in the initial stage. How to manage.

6. Subsidiaries:

  1. Align Retail Trades Private Limited – Company incorporated on 22nd September, 2006, is engaged in the business of packing and selling of grocery products, spices, dry fruits, etc. Its revenue from operations for FY 2019 stood at ` 920.10 crore against `701.86 crore in the previous.

Company incorporated on 8th June, 2004. It is engaged in the business of operating food stalls at DMart stores. The Company reported net profit after tax of `5.67 crore against `4.17 crore for the previous year.


Company incorporated on 11th November, 2014 is engaged in the business of online grocery retail under the brand name “DMart Ready”. its mobile app DMart online grocery shopping and through the website Customers can either self-pick up their online orders from any designated Dmart Ready Pick-Up Points or get them delivered at their doorstep. The Company registered a loss of `50.82 crore against the loss of ` 48.08 crore in FY 2018.


Company incorporated on 21st February, 2014, with main object of, among others, development of land and construction and earned net profit after tax of `0.47 crore for FY 2019 against `0.48 crore lakhs for FY 2018.


Now in Details:

About Management:

  1. Founder:    Mr. Radhakrishnan Damani.

According to Forbes’ Real-Time Billionaires Index, the promoters of D Mart, Mr. Radhakishan Damani, have been named as 2nd richest Indian as on February 15, 2020 with a net worth a $17.8 billion.

About Chairman: Mr. Ramesh Damani

Currently, Ramesh Shrichand Damani occupies the position of Chairman of Avenue Supermarts Ltd. Mr. Damani is also on the board of Aptech Ltd., V.I.P. Industries Ltd. and Ramesh S Damani Finance Pvt Ltd.

He was a member of Bombay Stock Exchange (BSE) and considered as one of the most successful investors in India. A proponent of the Warren Buffett style of value investing.

He received an MBA from California State University-Northridge and an undergraduate degree from H.R. College of Commerce & Economics.

Massage from Chairman:        

Annual Report- 2017:

Our business model has stood the test of time, and we are focused on doing a few things but doing it well and ensuring we continue to be amongst the preferred retailers in India.

Annual Report-2018: 

Annual Report-2019: 

2- Managing Director & CEO:     Ignatius Navil Noronha.


CEO     – June 12, 2019

Massage from CEO:

Annual Report- 2017:

Annual Report-2018: 

Annual Report-2019: 

Business Overview from Annual Reports:

Business & Operation:

Annual Report-2017: 

Annual Report-2018: 

Key factors that will continue to drive this momentum are

Annual Report-2019:

Key Performance Indicators: 

Annual Report-2017

Share Capital :


Key Managerial Personnel:

Employee Salary:  Average percentage increase made in the salaries of Employees other than the managerial personnel in the financial year was 12% whereas the increase in the managerial remuneration was 2.31%. The increases in remuneration are as per the policy of the Company.

Annual Report-2018:

Share Capital :


Transfer to Reserves: 

Key Managerial Personnel:

CSR Activity:

Employee Salary:  

Annual Report-2019:

Share Capital:


Transfer to Reserves: 

Key Managerial Personnel:

CSR Activity:

Employee Salary:  



The Company has 5 subsidiaries as on 31st March, 2019.


Competitive Study:

  1. Walmart Financial Result:
  1. COSTCO Financial Results:


With reference to Sharia investment standards, they are ethical investments. Islamic investors prefer to invest those companies, which earn their profit through Islamic ways or Halal means.

If you want to invest to follow Islamic principles and through Sharia Conformity, you are prohibited from making investments in ‘Non Conformity stocks’, which include Banking, Interest based company, Insurance, Pork,  Alcohol, Tobacco, Gambling, Weapons, Entertainment Industry etc.

Basically two types of Screening required to Find Sharia Conformity Stocks.

1.    Industry Based Conformity.

2.    Financial Ratio Based Conformity.

1.   Industries Based Conformity:

Those companies running their business ethically that could not harm their product or service to any people, emotionally or physically are complying with sharia Law.

All those companies will be considered as shariah Compliance, means investing in these companies is Halal.

According to the Islamic law, Muslims are not allowed to invest in anything that will increase immorality, increase drugs or alcohol or even invest in companies which promote weapons of mass destruction.

What is the Non-Conformity Industry?

There are many industries that are non-complianceand investment in these companies are not allowed as per Islamic Law.

2.     Financial Ratio Based Compliance:

Companies need to pass the below parameters for Islamic Investment.

1-    Debt Ratio:

The Ratio of total Debt to Market Value of Equity is less than than 33 %. Considering trailing 12 Months Average.

2-    Cash Ratio:

The ratio of Accounts Receivables to the Market value of Equity  is less than 33%. Considering Trailing 12 months Average.

3-    Interest Ratio:

The ratio of total Cash + Interest Bearing Securities to the Market value of Equity is less than 33 %. Considering trailing 12 months Average.

4-    Impure Income ratio:

The ratio of total Interest + Impure Income to the Total Income is less than 5%. Considering trailing 12 months average.


– For Impure Ratio you have to check the percentage and same percentage of profit needed to give charity for purity of your income.

– If a company passes the above ratio along with the sector-based screens, the trading and investments in such companies are allowed as Per Sharia.

The stock market is a risky place for many people who don’t know about it. There are  many myths and if you believe in these myths, you will lose a lot of money. Some of these myths are made by people who do not want to invest in the stock market.

Howeapeat.ver many myths are not true and in the stock market only assumption is the history repeats.Rest all things work based on  fundamentally and technically.

We always advise investors to do their own research before investing in the market .This will give you more understanding about the market and your investment. Try to make your investing strategy on facts and not on myths.

Now in this post ,I am going to list the 13 biggest myths of the stock market.

1.Investing in the share market is like a gambling.

Most people think investing in the stock market is like gambling. Why they are saying is because they don’t know the basics of share markets.

we need to understand what exactly does it mean to buy stocks. In the stock market the investors buy the share of any company. It means he will be the partner of that company as per his share values.Now he will be ready for getting profit but at the same time also lose when company business declines. For people who invest in the share market means they are doing like a business.

But in the case of Gambling it merely takes money looser and gives to the winner.

Now don’t confuse …

2.Stock market is the place for the rich people.

Most people are not investing in the stock market because they believe that this is only for the rich.

This is completely wrong. This is one of the oldest myths. But the reality of the stock market is you can start with less money from 100 RS. No business where you can start with less money as compared to stock markets.

In case of mutual funds you can start with 5000 RS. Nowadays this amount is not a big deal.

3.Stock that has gone down will go up.

There is no gravitational force to pull down always.

It depends on many factors like business model,fundamentals of stocks ,profits of the company, financial strong holding and sales growth.

If you invest with a fundamental strong company for long terms ,definitely you will get good returns.

4.You Need a Lot of Money to Invest.

This is not true, Even you can start with 100 RS to invest in the share market. They don’t know anything about stock markets that people talked about this myth.

5.Investing is too Risky.

In any work there is a risk. But you have to know how to reduce the effect of risk. Same like in the share market is always a risk. You can minimize that risk to invest for long terms with a fundamentally strong company.

6.Gold is a Classic, Smart Investment.

This not true. Many research shows investment is share market is a smart investment specially for equity. The returns of equity is always more than Gold returns.

7.Buy a Home is an Investment.

Buying a home or any property is not an investment. Because this is a dead asset and investment is liquid asset.

I hope you will clear all your myths about share market.for any clarification please contact us.

Wish you for your investment journey. Jaza Kallah Khair.

Today everyone, especially young people, work hard day and night to live a good and comfortable life. If we talk about savings, they will say that they save 20-30 of the monthly income and they are very happy about this. If you save 20-30 percent of your income and are satisfied with it, then we tell you a game. Imagine that you have put all your savings in a boxe. After your retirement.

Now open your box and see what you have got. Also include 6 percent inflation in this entire calculation. You will get some amount as a retirement fund. Now see how you are going to manage your post-retirement expenses. Did you get what you thought? No no You must have understood that such savings are not enough to live a normal life. So where did you make a mistake? How is this big difference in your retirement funds?

You did not consider the inflation rate at the time of saving.In India inflation rate is 6-7%, it means if your money is idle for years means you are losing 6-7 % every year. That’s why investment to counter inflation and create wealth.


The difference between your monthly income and expenses is called saving. Add all your expenses like food, luxury, school fees, med fees, drivers, rent, bills, maintenance and everything. What will be left is your savings.

Control your expenses for savings:

Pay attention to your expenses and control them. You can control expenses by limiting credit card usage, paying bills on time and adopting the right resources. Eliminate unnecessary expenses, this will increase your savings. If you invest more than your savings, then you will get good returns going forward.

It is important to track your savings, putting a deadline, or timeline, and a value to your goals. For example, if you are saving for your annual tour, you might want to target some money to save in some  months to withdraw at the time of tour.


Investing means increasing your saved money to grow, such as investing in fixed deposits, stock markets, mutual funds and other investment options.

Why Investment Needed.

After an age you feel that the money you have is not enough, you may need more money in future. In such a situation, you take the path of investment.

Initially, everyone is nervous about investing, but later when the understanding increases, then the investment process starts to get better. The truth is that if you are so big that you can earn money, then you should also invest money. Investing is not really anything but a process whereby you can use your money.

No person wants to work for a lifetime. This is also a major reason that you should invest your money so that your future can be secured. Whatever your goal is to send children abroad for higher education or to spend your retirement time by the sea, investing properly can help you achieve your financial goals.

Saving is not Investment.

Assume you have a son who wants to become a doctor in the next 15 years. In today’s situation, you need at least 50-60 lakh rupees for medical studies. Therefore, you have to save about 4 lakhs every year to fulfill your son’s gesture. Okay, you will probably save this amount as well. Do you know how much money your son needs in the next 15 years for medical studies?

About 1.0 crore rupees. You can also add 6 percent inflation only then you will be able to calculate the right. Merely saving a certain amount every month or every year will not fulfill your future objective.

Unlike saving, when you invest your money, you do not just keep it safe but try to increase it. Saving money in a bank account cannot be called investing.

I hope that you have got knowledge of all the things related to Saving & Investing. 

Wish you best for your Investment Journey.

Jazakallah Khair

This post is for all of you, who want to invest in the stock market through Halal Ways, but before investing often get entangled in the question of 

How to start investing in the stock market? 

How to Invest in the Stock Market?

By reading this article, you will understand very well, how to invest in the stock market as per shariah principles.

To invest in the stock market, you have to buy the share of the company listed in the stock market, and you cannot go to the direct stock market to buy or sell any share,

You have to select the company which complies with shariah Principles and you need a stock broker to buy and sell any shares, you can buy and sell any shares from the stock market only through the stock broker, the stock broker is the important link that allows the investor to reach the stock market. 

Now you have understood that you need a stock broker to invest in the stock market, whenever you go to a stock broker, you have two accounts opened with the stock broker and one bank account required.

  1. Demat Account 
  2. Trading Account.
  3. Bank Account 

Now when you open a DEMAT and TRADING account with a stock broker, then after that you can easily buy and sell any shares,

Buying share in the stock market and making a profit by selling it is called INVESTING IN STOCK MARKET.

Stock Market is the place or platform where you can buy and sell the shares of a registered company. 

How can you buy shares?

With the help of Trading Account, you have to Place your order with the stockbroker using Trading Platform as per the convenience given by your stock broker to buy as many shares of any company as you want, if you have the necessary amount available to buy shares in the trading account, then assuming your order is valid. The stockbroker will instantly process your order and within a few seconds you will get those shares. All these shares will go to the Demat account and stay there up to the selling.

How can you sell shares?

Again whatever order you want to sell, you can place an order to sell that quantity of stocks using the stockbroker’s Trading platform to place the order to stockbroker, and the stockbroker immediately process the order to the stock market, then your shares are sold in seconds after demand,

Risk of Stock Market.

The stock market is always a risky Investment. Due to this many people don’t want to invest in the share market. But they don’t know if you have proper knowledge and patients so your risks will be minimal.

To reduced the risk you to follow 

Now you know the basics of the stock market and how to invest in stock markets.

So before investing in the stock market, you must also remember the following things

The Following Things to Note Before Investing in Stocks Market.

  1. You have to convince yourself to Invest in the stock Market.
  2. To know the stock market is a business not a gambling.
  3. To Select a discount broker to open a trading account.
  4. To Learn Basics of Stock Markets.
  5. To Learn About Halal Investment.
  6. To know investment in Equity is only Halal.
  7. To make your investment goal.
  8. To know your risk bearing capacity.
  9. To know about fundamentals of a company.
  10. Choose fundamentally strong stocks.
  11. Make your own long term strategy for investment.

Hope you will be able to understand how to invest in the stock market, after reading of this post.

If you still have any question on how to invest in the stock market, then you can ask your questions in the comment below or through WhatsApp, you will get the answer as soon as possible.

Wish you the best for your investment Journey.

Jazakallah Khair.

In this article, we will discuss what are the various options for Halal investment ideas and options in India (Shariah conformity) and their advantages and disadvantages.

There are mainly four types of investment options  available for Investors in India. Now we will discuss which is Halal investment.

  1. Real Estate.
  2. Share Market.
  3. Gold.
  4. Banking.


Investment in real estate is almost risk free if you get good deals. You will get rental income and for commercial properties it will be more income.


  1. No inflation effect.
  2. Real estate can provide a steady stream of income.
  3. Real estate can provide diversification to your portfolio if you combine it with other asset classes.
  4. Real Estate is trusted by most people and has an emotional value like gold.


1. Real Estate investments can be risky and could even provide negative returns in case of bad deals.

2.  They are highly illiquid. Any time you can transfer into cash.

3. Real estate investments have high transaction and maintenance costs.

4. Capital gains from real estate is taxed at a higher rate than those from equity or equity mutual funds.

5. Gains or losses can be subject to the property selected.

6. Investments in real estate have to be big in size.


Many options are available in share markets as follows.

  1. Equity 
  2. Mutual Funds
  3. Bond
  4. Commodity Trading 
  5. Forex.

According to the Shariah Principle you can only invest in equity and Mutual Funds.


Equity means ownership of that business. Equity will give more returns if you invest for long terms, but for short terms it will be volatile in nature. You can select shariah companies who do not involve banking, insurance,alcohol ,pork ,gambling,tobacco and weapons. 


  1. High risk and high return, you can reduce your risk for long term investing and create good wealths
  2. High Liquidity as compared to other investments.
  3. You will get dividend income .
  4. The return of equity investment is exponential as compared to other investments.


  1. In equity investment there is no guarantee of income from  principles invested. sometimes it will go negative. For short terms the stock can be volatile and give negative returns.
  2. For retail investors it is very difficult to achieve diversification by investing in the stock market. It will take time to learn about diversification.
  3. The costs of transaction and taxes are borne directly by the investor.


Mutual funds are the safest investment in the share market, especially for new investors who want to learn and create their wealth slowly.

In indian market there are only three funds that comply with sharia principles.

  1. Tata Ethical Fund
  2. Taurus Ethical Fund
  3. Reliance Shariah Bees ETF Fund.

Advantage .



A bond is a fixed income source that represents a loan made by an investor to a borrower (typically corporate or governmental). Bonds are used by companies, municipalities, states, and sovereign governments to finance projects and operations. Owners of bonds are debtholders, or creditors, of the issuer. 


Commodity trading is the buying and selling of a large range of products including oil and gas, metals such as gold and silver and soft commodities like cocoa, coffee, wheat and sugar.

In the principles of shariah for trading of any goods or product it must be physical ownership.  It means whatever you buy ,you will be the owner of that goods and must be present in physical form. Then you can sell to others .

But in share market we can not get in physical form that why it is not permissible in Islam.


Forex trading means currency trading , like dollar,Euro,ponds ….and Indian rupees.

This is also not allowed in islam.

I hope you will learn about investment options in India and which one is compliant with shariah principles.

Wish you best for your investment journey.

Jazakallah Khair.

If you know the basic knowledge about the share market ,then you can earn money .

In the sharemarket you can earn money through 2-ways.


Trader is the person who does trading means buying and selling the share in the stock market. If you want to make trading as a profession or regular income just like a job,then you have to do full time work.

There are many options to trade in the share market and make money.

Others Income apart from share value..

Intraday Trading.

The buying and selling of shares on the same day is called intraday trading. When the market opens, buy the share and before the market closes sell the share.

The market opening time is 9:15 AM and closing time is 3:30 PM.

For intraday trading required full time work, you can not generate profit through part time.


  1. Intraday trading is not permissible in islam.
  2. Broker form by giving money for one day to trade.

Swing Trading.

The type of trade which is completed within a few days,weeks and months .

In this trade you buy the share ,keep it for a few days,weeks or few months and wait for profit.


Swing Trading is permissible in islam.

Short Term Trading:

The type of trade which is completed within 2-5 years is called short trading.

If you buy the stocks ,keep it for 2-5 years to make profit .


Short term trading is permissible in islam.

Long Term Trading:

The type of trading which is completed for more than 5 years.

In this case you buy the share and keep it for the long term to generate wealth. Many top investors in the world create wealth through long term trading. You can generate passive income through long term investing.


Short term trading is permissible in islam.

Option Trading.

Option trading is a contract that allows an investor to buy or sell an underlying instrument like a share, ETF or even index at a predetermined price over a certain period of time. Buying and selling options is done on the options market, which trades contracts based on securities.

Buying an option that allows you to buy shares at a later time is called a “call option,” whereas buying an option that allows you to sell shares at a later time is called a “put option.”

Option trading is less risky because they give less return as compared to equity.

Note – Option trading is not permissible in Islam.

Because options are not the same as stocks because they do not represent ownership in a company.

Future Trading:

Stock Future contract is an agreement to buy or sell a specified quantity of underlying equity shares for a future date at a price agreed upon between the buyer and seller. The contracts have standardized specifications like market lot, expiry day, unit of price quotation, tick size and method of settlement.


Future trading is not permissible in Islam.

Short Selling.

it is very interesting to understand the process of short selling, because in this concept shares are sold first and bought later, and the reduction in stock price can also make profit.

In general trading we buy first and after sometime sell to book profit. But in case of short selling ,it is sold first and later brought to book the profit or loss.


Short selling trading is not permissible in islam .because there is no ownership position at the time of selling.


Dividend is a part of a company’s NET PROFIT  given by a company to its shareholder.

After making tax and all other types of ADJUSTMENT, the some percentage of NET PROFIT is distributed equally among the shareholder of the company, and the person who holds the shares, Gets the benefit of dividend in the same proportion,

There are two types of Dividend.

  1. INTERIM DIVIDEND – When a company announces a quarterly dividend within the financial year, it is called interim dividend.
  2. FINAL DIVIDEND – When the company announces Annual Dividend at the end of the Financial Year, it is called final dividend.

Note. Dividend is permissible in Islam.


A bonus share is an additional share paid absolutely free to the company’s current shareholders.

For  an example, you have purchased 100 shares of the company infosys, and the company announces the issuance of bonus shares in the ratio of 1: 1 (1 bonus for 1 share)

So in this case, you will get 200 shares extra because 100 free shares will be given by the company.

Bonus share always issues in ratio such as 1:1,2:1, 3:1.


By issuing bonus shares, the “number of shares” increases with the investor, but does not increase the “amount of investment”

I hope you will understand how to make money in the share market, after reading this post.

All the best for your investment journey.

Jazakallah Khair.