Aavas Financiers Limited (AAVAS.NS) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-26). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Aavas Financiers Limited under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2026-03-31. AAVAS.NS files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 157.43% | 30.00% | Fail |
| Interest-bearing investments | 21.29% | 30.00% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 74.39% | 33.00% | Fail |
| Interest-bearing investments | 10.06% | 33.00% | Pass |
| Non-liquid assets | 89.87% | at least 20.00% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 74.39% | 33.33% | Fail |
| Cash + interest-bearing securities | 10.06% | 33.33% | Pass |
| Accounts receivable | 10.13% | 33.33% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 74.39% | 33.33% | Fail |
| Cash + interest-bearing securities | 10.06% | 33.33% | Pass |
| Accounts receivable | 10.13% | 50.00% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 125.29% | 33.00% | Fail |
| Cash + interest-bearing securities | 16.94% | 33.00% | Pass |
| Accounts receivable | 0.12% | 33.00% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 125.68% | 33.00% | Fail |
| Cash + interest-bearing securities | 16.99% | 49.00% | Pass |
| Accounts receivable | 0.12% | 49.00% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 125.68% | 33.33% | Fail |
| Cash + interest-bearing securities | 16.99% | 33.33% | Pass |
| Accounts receivable | 17.11% | 49.00% | Pass |
| Non-permissible income | 5.28% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 36.90 | NEUTRAL |
| Stochastic %K (14) | 32.90 | NEUTRAL |
| CCI (20) | -73.41 | NEUTRAL |
| Williams %R (14) | -67.10 | NEUTRAL |
| MACD (12,26,9) | 2.27 | BUY |
| ROC (10) | 0.45 | BUY |
| Momentum (10) | 5.70 | BUY |
| EMA (10) | 1289.71 | SELL |
| SMA (10) | 1279.08 | SELL |
| EMA (20) | 1311.58 | SELL |
| SMA (20) | 1313.20 | SELL |
| EMA (30) | 1331.61 | SELL |
| SMA (30) | 1340.92 | SELL |
| EMA (50) | 1354.98 | SELL |
| SMA (50) | 1389.17 | SELL |
| EMA (100) | 1374.29 | SELL |
| SMA (100) | 1392.21 | SELL |
| EMA (200) | 1415.42 | SELL |
| SMA (200) | 1373.80 | SELL |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Mortgage Finance
Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows; home construction loans for residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; and home loan balance transfer, as well as cash salaried plus loans and small ticket size loans. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.