✅ What / Where

Physical gold (coins, bars, jewellery), Gold ETFs, Digital Gold (SafeGold, MMTC‑PAMP).

❌ Avoid

Sovereign Gold Bonds (SGB) – pay 2.5% interest (Riba).

🔹 How

Buy from reputable dealers or via ETFs on Groww/Zerodha. Always hold physical or backed units.

✅ What / Where

Direct property (no interest‑based loan). Halal REITs – e.g. Embassy Office Parks, Mindspace.

❌ Avoid

Properties leased to banks, bars, casinos. REITs with debt >33% or interest >5%.

🔹 How

Screen REITs using AAOIFI rules. For direct property, avoid conventional mortgages (use Islamic finance if available).

✅ What / Where

Tata Ethical Fund, Taurus Ethical Fund, Nippon India Shariah Fund, Quantum Ethical Fund.

❌ Avoid

Conventional funds that invest in banking, alcohol, tobacco stocks.

🔹 How

Open a Groww/Zerodha account, search the fund name, and start a SIP from ₹500/month. Always verify the fund's current screening status.

✅ What / Where

The 100+ companies listed in our Stock Screen are pre‑screened for Shariah compliance (based on AAOIFI).

❌ Avoid

Buying blindly – always re‑verify the latest financial ratios on Screener.in before investing.

🔹 How

Use a demat account (Groww/Zerodha). Search the stock symbol, check our screening explanation, then verify independently. Consider purification if minor impermissible income exists.