SBFC Finance Limited (SBFC.BO) 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 SBFC Finance 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. SBFC.BO 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 | 64.96% | 30.00% | Fail |
| Interest-bearing investments | 6.69% | 30.00% | Pass |
| Non-permissible income | 1.34% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 64.60% | 33.00% | Fail |
| Interest-bearing investments | 6.65% | 33.00% | Pass |
| Non-liquid assets | 93.35% | at least 20.00% | Pass |
| Non-permissible income | 1.34% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 64.60% | 33.33% | Fail |
| Cash + interest-bearing securities | 6.65% | 33.33% | Pass |
| Accounts receivable | 6.65% | 33.33% | Pass |
| Non-permissible income | 1.34% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 64.60% | 33.33% | Fail |
| Cash + interest-bearing securities | 6.65% | 33.33% | Pass |
| Accounts receivable | 6.65% | 50.00% | Pass |
| Non-permissible income | 1.34% | 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 | 67.07% | 33.00% | Fail |
| Cash + interest-bearing securities | 6.90% | 33.00% | Pass |
| Accounts receivable | 0.00% | 33.00% | Pass |
| Non-permissible income | 1.34% | 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 | 70.22% | 33.00% | Fail |
| Cash + interest-bearing securities | 7.23% | 49.00% | Pass |
| Accounts receivable | 0.00% | 49.00% | Pass |
| Non-permissible income | 1.34% | 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 | 70.22% | 33.33% | Fail |
| Cash + interest-bearing securities | 7.23% | 33.33% | Pass |
| Accounts receivable | 7.23% | 49.00% | Pass |
| Non-permissible income | 1.34% | 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) | 55.10 | NEUTRAL |
| Stochastic %K (14) | 52.07 | NEUTRAL |
| CCI (20) | 26.95 | NEUTRAL |
| Williams %R (14) | -47.93 | NEUTRAL |
| MACD (12,26,9) | -0.05 | SELL |
| ROC (10) | -0.74 | SELL |
| Momentum (10) | -0.73 | SELL |
| EMA (10) | 98.34 | SELL |
| SMA (10) | 98.95 | SELL |
| EMA (20) | 97.22 | BUY |
| SMA (20) | 96.83 | BUY |
| EMA (30) | 96.29 | BUY |
| SMA (30) | 95.70 | BUY |
| EMA (50) | 95.15 | BUY |
| SMA (50) | 94.20 | BUY |
| EMA (100) | 94.59 | BUY |
| SMA (100) | 93.40 | BUY |
| EMA (200) | 97.40 | BUY |
| SMA (200) | 95.28 | 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
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services. It also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals, and other individual customers. SBFC Finance Limited was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
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.