Satin Creditcare Network Limited (SATIN.NS) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). 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 Satin Creditcare Network 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. SATIN.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 | 439.51% | 30.00% | Fail |
| Interest-bearing investments | 89.45% | 30.00% | Fail |
| Non-permissible income | 3.62% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 76.40% | 33.00% | Fail |
| Interest-bearing investments | 15.55% | 33.00% | Pass |
| Non-liquid assets | 84.39% | at least 20.00% | Pass |
| Non-permissible income | 3.62% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 76.40% | 33.33% | Fail |
| Cash + interest-bearing securities | 15.55% | 33.33% | Pass |
| Accounts receivable | 15.61% | 33.33% | Pass |
| Non-permissible income | 3.62% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 76.40% | 33.33% | Fail |
| Cash + interest-bearing securities | 15.55% | 33.33% | Pass |
| Accounts receivable | 15.61% | 50.00% | Pass |
| Non-permissible income | 3.62% | 5.00% | Pass |
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 | 559.64% | 33.00% | Fail |
| Cash + interest-bearing securities | 113.90% | 33.00% | Fail |
| Accounts receivable | 0.41% | 33.00% | Pass |
| Non-permissible income | 3.62% | 5.00% | Pass |
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 | 526.35% | 33.00% | Fail |
| Cash + interest-bearing securities | 107.13% | 49.00% | Fail |
| Accounts receivable | 0.39% | 49.00% | Pass |
| Non-permissible income | 3.62% | 5.00% | Pass |
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 | 526.35% | 33.33% | Fail |
| Cash + interest-bearing securities | 107.13% | 33.33% | Fail |
| Accounts receivable | 107.52% | 49.00% | Fail |
| Non-permissible income | 3.62% | 5.00% | Pass |
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) | 38.70 | NEUTRAL |
| Stochastic %K (14) | 29.04 | NEUTRAL |
| CCI (20) | -91.52 | NEUTRAL |
| Williams %R (14) | -70.96 | NEUTRAL |
| MACD (12,26,9) | 0.17 | BUY |
| ROC (10) | -4.13 | SELL |
| Momentum (10) | -9.33 | SELL |
| EMA (10) | 218.96 | SELL |
| SMA (10) | 218.85 | SELL |
| EMA (20) | 222.72 | SELL |
| SMA (20) | 222.29 | SELL |
| EMA (30) | 226.06 | SELL |
| SMA (30) | 224.78 | SELL |
| EMA (50) | 228.50 | SELL |
| SMA (50) | 238.39 | SELL |
| EMA (100) | 220.77 | SELL |
| SMA (100) | 229.17 | SELL |
| EMA (200) | 194.55 | BUY |
| SMA (200) | 189.89 | BUY |
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 · Credit Services
Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company offers microcredit to economically active women in rural, semi-urban, and urban regions; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; water and sanitation loans; loans for clean energy and various business needs; and loans to corporate institutions and micro finance companies. It also provides financing solutions for solar energy, purchase of bicycles, home appliances, and mobile phones for small businesses and individuals; micro, small, and medium enterprise loans for merchants, retailers, wholesalers, manufacturers, service providers, salaried, self-employed professionals, and agri businesses; and housing loans. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, 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 2026-09-08 · Asset managers net 912361 (-21819)
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.