MPIBXETF / FundBNY Mellon Intermediate Bond Fund
Verdicts genuinely change. Free email alert the moment MPIBX's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
BNY Mellon Intermediate Bond Fund · BNY MELLON FUNDS TRUST
101 holdings
NON-COMPLIANT 74.21% of portfolio weight is in non-compliant holdings, over the 5% threshold.
54.96% of that is conventional interest-bearing debt, identified from the fund's own filing rather than by screening an issuer. Sukuk are deliberately excluded from this test and are never counted here.
101 holdings, 71 matched (81% of weight). Portfolio as of 2025-11-30, filed 2026-01-26. Source: SEC Form N-PORT.
7.01% of this portfolio’s income is non-permissible — weighted across holdings, computed over 17% of portfolio weight (23 of 101 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.
6.8% compliant 0.0% questionable 74.2% non-compliant 18.5% unscreened
All holdings (101)
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| US TREASURY N/B | NON_COMPLIANT | 4.31% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 3.84% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 3.74% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 3.45% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 2.76% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 2.72% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 2.36% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 2.17% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 2.13% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 2.08% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.89% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.71% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.66% | no in-house ratios for this holding |
| FEDERAL HOME LOAN BANK | NON_COMPLIANT | 1.62% | no in-house ratios for this holding |
| FEDERAL HOME LOAN BANK | NON_COMPLIANT | 1.58% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.53% | no in-house ratios for this holding |
| FREDDIE MAC | NON_COMPLIANT | 1.39% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.39% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.28% | no in-house ratios for this holding |
| FLORIDA ST BRD OF ADMIN FIN CO | UNSCREENED | 1.24% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.20% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 1.17% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 1.14% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| C CITIGROUP INC | NON_COMPLIANT | 1.12% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| FEDERAL FARM CREDIT BANK | NON_COMPLIANT | 1.04% | no in-house ratios for this holding |
| T AT&T INC | NON_COMPLIANT | 1.03% | AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6% |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.98% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| US TREASURY N/B | NON_COMPLIANT | 0.98% | no in-house ratios for this holding |
| FEDERAL FARM CREDIT BANK | NON_COMPLIANT | 0.97% | no in-house ratios for this holding |
| NEW YORK ST DORM AUTH ST PERSO | UNSCREENED | 0.96% | no in-house ratios for this holding |
| TMUS T-MOBILE USA INC | NON_COMPLIANT | 0.95% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| BARC.L BARCLAYS PLC | NON_COMPLIANT | 0.92% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ABBV ABBVIE INC | COMPLIANT | 0.92% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| COOPERATIEVE RABOBANK UA | UNSCREENED | 0.89% | no in-house ratios for this holding |
| AERCAP IRELAND CAP/GLOBA | UNSCREENED | 0.88% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.86% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| HD HOME DEPOT INC | COMPLIANT | 0.84% | AAOIFI18.6% Usmani56.1% Dow Jones Islamic16.3% S&P Shariah17.0% MSCI Islamic53.3% MSCI Islamic M-Series17.0% FTSE Shariah44.5% |
| TOYOTA MOTOR CREDIT CORP | UNSCREENED | 0.83% | no in-house ratios for this holding |
| JOHN DEERE CAPITAL CORP | UNSCREENED | 0.83% | no in-house ratios for this holding |
| SANTANDER HOLDINGS USA | UNSCREENED | 0.81% | no in-house ratios for this holding |
| RY ROYAL BANK OF CANADA | COMPLIANT | 0.81% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| GENERAL MOTORS FINL CO | UNSCREENED | 0.81% | no in-house ratios for this holding |
| CSCO CISCO SYSTEMS INC | COMPLIANT | 0.80% | AAOIFI5.7% Usmani18.9% Dow Jones Islamic8.4% S&P Shariah9.5% MSCI Islamic18.9% MSCI Islamic M-Series9.5% FTSE Shariah17.6% |
| Freddie Mac | NON_COMPLIANT | 0.80% | no in-house ratios for this holding |
| AVGO BROADCOM INC | COMPLIANT | 0.80% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| ANHEUSER-BUSCH INBEV WOR | UNSCREENED | 0.79% | no in-house ratios for this holding |
| FISV FISERV INC | NON_COMPLIANT | 0.79% | AAOIFI99.4% Usmani34.6% Dow Jones Islamic38.9% S&P Shariah36.9% MSCI Islamic34.6% MSCI Islamic M-Series36.9% FTSE Shariah34.5% |
| 4502.T TAKEDA PHARMACEUTICAL | NON_COMPLIANT | 0.79% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.77% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.76% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| PAYX PAYCHEX INC | COMPLIANT | 0.75% | AAOIFI13.2% Usmani29.6% Dow Jones Islamic10.7% S&P Shariah11.0% MSCI Islamic29.6% MSCI Islamic M-Series11.0% FTSE Shariah29.1% |
| BMO.TO BANK OF MONTREAL | NON_COMPLIANT | 0.75% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| GLE.PA SOCIETE GENERALE | NON_COMPLIANT | 0.73% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| STAN.L STANDARD CHARTERED PLC | NON_COMPLIANT | 0.73% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CVS CVS HEALTH CORP | NON_COMPLIANT | 0.73% | AAOIFI61.7% Usmani30.1% Dow Jones Islamic84.9% S&P Shariah88.7% MSCI Islamic30.1% MSCI Islamic M-Series88.7% FTSE Shariah24.2% |
| CMCSA COMCAST CORP | NON_COMPLIANT | 0.71% | AAOIFI116.3% Usmani35.1% Dow Jones Islamic144.7% S&P Shariah134.9% MSCI Islamic35.1% MSCI Islamic M-Series134.9% FTSE Shariah35.1% |
| COTERRA ENERGY OP CO | UNSCREENED | 0.70% | no in-house ratios for this holding |
| PFIZER INVESTMENT ENTER | UNSCREENED | 0.69% | no in-house ratios for this holding |
| KRAFT HEINZ FOODS CO | UNSCREENED | 0.68% | no in-house ratios for this holding |
| AMGN AMGEN INC | COMPLIANT | 0.68% | AAOIFI24.9% Usmani59.9% Dow Jones Islamic33.6% S&P Shariah35.1% MSCI Islamic59.9% MSCI Islamic M-Series35.1% FTSE Shariah59.9% |
| UNH UNITEDHEALTH GROUP INC | NON_COMPLIANT | 0.68% | AAOIFI20.4% Usmani23.7% Dow Jones Islamic20.4% S&P Shariah18.8% MSCI Islamic23.7% MSCI Islamic M-Series18.8% FTSE Shariah23.7% |
| DEUTSCHE BANK NY | UNSCREENED | 0.67% | no in-house ratios for this holding |
| AIR LEASE CORP | UNSCREENED | 0.67% | no in-house ratios for this holding |
| DELTA AIR LINES 2020-AA | UNSCREENED | 0.65% | no in-house ratios for this holding |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.64% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| BLACK HILLS CORP | UNSCREENED | 0.63% | no in-house ratios for this holding |
| SNPS SYNOPSYS INC | COMPLIANT | 0.63% | AAOIFI14.4% Usmani22.7% Dow Jones Islamic13.2% S&P Shariah13.2% MSCI Islamic22.7% MSCI Islamic M-Series13.2% FTSE Shariah21.0% |
| AMER AIRLN 15-1 A PTT | UNSCREENED | 0.62% | no in-house ratios for this holding |
| ASTRAZENECA FINANCE LLC | UNSCREENED | 0.62% | no in-house ratios for this holding |
| CFG CITIZENS FINANCIAL GROUP | NON_COMPLIANT | 0.62% | AAOIFI92.6% Usmani11.8% Dow Jones Islamic125.5% S&P Shariah143.3% MSCI Islamic11.8% MSCI Islamic M-Series143.3% FTSE Shariah11.8% |
| US TREASURY N/B | NON_COMPLIANT | 0.60% | no in-house ratios for this holding |
| NEW JERSEY ST TURNPIKE AUTH TU | UNSCREENED | 0.60% | no in-house ratios for this holding |
| MSI MOTOROLA SOLUTIONS INC | COMPLIANT | 0.59% | AAOIFI12.4% Usmani50.0% Dow Jones Islamic13.4% S&P Shariah14.5% MSCI Islamic50.0% MSCI Islamic M-Series14.5% FTSE Shariah46.9% |
| BA BOEING CO | NON_COMPLIANT | 0.59% | AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2% |
| NWG.L NATWEST GROUP PLC | NON_COMPLIANT | 0.59% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ACA.PA CREDIT AGRICOLE SA | NON_COMPLIANT | 0.57% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| US TREASURY N/B | NON_COMPLIANT | 0.56% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 0.55% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 0.55% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 0.54% | no in-house ratios for this holding |
| OKE ONEOK INC | NON_COMPLIANT | 0.54% | AAOIFI52.4% Usmani46.0% Dow Jones Islamic62.1% S&P Shariah68.1% MSCI Islamic46.0% MSCI Islamic M-Series68.1% FTSE Shariah46.0% |
| DREYFUS INSTITUTIONAL PREFERRE | UNSCREENED | 0.52% | no in-house ratios for this holding |
| VZ VERIZON COMMUNICATIONS | NON_COMPLIANT | 0.52% | AAOIFI98.4% Usmani45.9% Dow Jones Islamic109.0% S&P Shariah116.8% MSCI Islamic45.9% MSCI Islamic M-Series116.8% FTSE Shariah40.3% |
| CATERPILLAR FINL SERVICE | UNSCREENED | 0.51% | no in-house ratios for this holding |
| FOUNDRY JV HOLDCO LLC | UNSCREENED | 0.50% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.50% | no in-house ratios for this holding |
| Government National Mortgage A | NON_COMPLIANT | 0.49% | no in-house ratios for this holding |
| US TREASURY N/B | NON_COMPLIANT | 0.49% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.48% | no in-house ratios for this holding |
| NA.TO NATIONAL BANK OF CANADA | NON_COMPLIANT | 0.42% | AAOIFI133.1% Usmani18.9% Dow Jones Islamic— S&P Shariah— MSCI Islamic18.8% MSCI Islamic M-Series— FTSE Shariah18.8% |
| FEDERAL HOME LOAN BANK | NON_COMPLIANT | 0.40% | no in-house ratios for this holding |
| ARES CAPITAL CORP | UNSCREENED | 0.40% | no in-house ratios for this holding |
| ONTARIO TEACHERS' FINANC | UNSCREENED | 0.37% | no in-house ratios for this holding |
| JAPAN FIN ORG MUNICIPAL | UNSCREENED | 0.36% | no in-house ratios for this holding |
| CDP FINANCIAL INC | UNSCREENED | 0.34% | no in-house ratios for this holding |
| ONTARIO TEACHERS' FINANC | UNSCREENED | 0.34% | no in-house ratios for this holding |
| AXP AMERICAN EXPRESS CO | NON_COMPLIANT | 0.33% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| ARES CAPITAL CORP | UNSCREENED | 0.29% | no in-house ratios for this holding |
| BRITISH COLUMBIA PROV OF | UNSCREENED | 0.20% | no in-house ratios for this holding |
| DREYFUS INSTITUTIONAL PREFERRED GOVERNMENT PLUS MONEY MARKET FUND | UNSCREENED | 0.08% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.02% | no in-house ratios for this holding |
The published standards disagree about this fund by 2 points of portfolio weight — 8.5% of it passes AAOIFI, 6.7% passes Usmani. Which number is yours depends on which standard you follow.
These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.
ratios pass on 8.5% ratios fail on 17.6% 73.4% not rated under AAOIFI
ratios pass on 6.7% ratios fail on 14.6% 78.2% not rated under Usmani
ratios pass on 7.7% ratios fail on 17.9% 73.9% not rated under Dow Jones Islamic
ratios pass on 7.0% ratios fail on 17.9% 74.7% not rated under S&P Shariah
ratios pass on 6.7% ratios fail on 14.6% 78.2% not rated under MSCI Islamic
ratios pass on 7.0% ratios fail on 18.7% 73.9% not rated under MSCI Islamic M-Series
ratios pass on 6.7% ratios fail on 14.6% 78.2% not rated under FTSE Shariah
35 of 101 listed holdings carry our own per-methodology verdicts (26% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 26 (19% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| US TREASURY N/B | 4.31% |
| US TREASURY N/B | 3.84% |
| US TREASURY N/B | 3.74% |
| US TREASURY N/B | 3.45% |
| US TREASURY N/B | 2.76% |
| US TREASURY N/B | 2.72% |
| US TREASURY N/B | 2.36% |
| US TREASURY N/B | 2.17% |
| US TREASURY N/B | 2.13% |
| US TREASURY N/B | 2.08% |
Trade setup
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
BNY Mellon Intermediate Bond Fund (MPIBX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.
Screened on its holdings, not its name
HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A holding it cannot cover far enough is reported as unrated rather than counted as a pass.
| Holding | Weight | Verdict |
|---|---|---|
| US TREASURY N/Bnot matched to a ticker | 4.31% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 3.84% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 3.74% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 3.45% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 2.76% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 2.72% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 2.36% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 2.17% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 2.13% | Non-compliant |
| US TREASURY N/Bnot matched to a ticker | 2.08% | Non-compliant |
Top 10 of 101 holdings, 29.6% of the fund by weight. Every holding is screened, not only these.
What holds the number back
The positions keeping this fund short of 100% compliant by weight.
- US TREASURY N/Bnon-compliant4.31%
- US TREASURY N/Bnon-compliant3.84%
- US TREASURY N/Bnon-compliant3.74%
- US TREASURY N/Bnon-compliant3.45%
- US TREASURY N/Bnon-compliant2.76%
- US TREASURY N/Bnon-compliant2.72%
What changed, and when
Verdict history for MPIBX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
- 2026-09-07 No change recorded No verdict change for MPIBX has been recorded since tracking began. The scan ledger records that the compliance detectors ran, not which symbols each pass covered.
ℹ️ no compliance scan has run for 4 days - this is not a reading of today
SMC — Top Down
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
Before you act on this
The questions worth asking about any verdict on this page, answered plainly.
Is a fund screened on its name?
No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.
What does unrated weight mean?
It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.
Does the issuer's board make it compliant?
It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.
How often is this re-screened?
When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Compare with
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
AI Summary
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.