MARUTI

Maruti Suzuki

HALAL — SCREEN DOES NOT PASSstock

Is MARUTI Halal?

Car manufacturer — vehicles are permissible products.

What You Should Know

Maruti Suzuki's FY2025-26 consolidated results report ₹148,881 crore of assets, ₹102.50 crore of lease liabilities, ₹1,580 crore of cash and bank balances, ₹74,288.70 crore of investments and ₹183,316 crore of revenue. Debt/assets and receivables-plus-cash/assets pass, but liquidity/assets is 50.96% under the examined asset screen; car financing, insurance broking and debt-mutual-fund exposure remain qualitative review items.

⚠️ Concerns

  • Liquidity/assets is 50.96% under the examined asset screen
  • Car financing and insurance-broking activities
  • Investments include debt mutual funds and fixed deposits
  • Disclosed interest income is 0.21% of revenue

Current quantitative Sharia screen

Based on consolidated-audited-financial-results figures for the period ended 2026-03-31; calculated 2026-07-15.

INR · crore
Interest-bearing debt / assets
0.07%Within limit
Below 33.333% under FTSE Yasaar

102.5 / 148,881

Cash + interest-bearing securities / assets
50.96%Above limit
Below 33.333% under FTSE Yasaar

75,868.7 / 148,881

Receivables + cash / assets
4.65%Within limit
Below 50% under FTSE Yasaar

6,922 / 148,881

Non-compliant income / revenue
0.21%Within limit
No more than 5% under FTSE Yasaar

383.9 / 183,316

FTSE Yasaar
v4.6, February 2026
Financial
Fails
Overall
Fails

Debt/assets is 0.07%, liquidity/assets is 50.96%, receivables-plus-cash/assets is 4.65% and interest income is 0.21%; the financial ratios pass but ancillary activity remains incomplete.

MSCI Islamic (total-assets series)
October 2024 methodology
Financial
Fails
Overall
Fails

Debt/assets is 0.07%, liquidity/assets is 50.96% and receivables-plus-cash/assets is 4.65%; the examined activity and income inputs remain incomplete.

Malaysia SAC financial ratios
single 5% activity benchmark adopted November 2025
Financial
Fails
Overall
Fails

Debt/assets is 0.07% and interest income is below the examined 5% activity benchmark; this is a calculation against SAC ratios, not an official classification.

Market-cap denominator methods
MSCI M-Series, S&P and Dow Jones methods differ
Financial
Not calculated
Overall
Not calculated

A licensed 24- or 36-month market-cap series is not stored, so market-cap denominator methods are not calculated.

Business-activity disclosure

Maruti Suzuki's core business is manufacturing and selling motor vehicles, components and spare parts, which is generally permissible. The group also reports car financing, fleet management, insurance broking and other ancillary activities that are not separately quantified.

Limitation: The consolidated result does not provide a universal prohibited-revenue numerator for finance, insurance-broking or downstream vehicle end uses.

Purification

Interest income is disclosed, but no scholar-approved purification percentage is calculated and ancillary activity is not fully allocated.

Inputs, assumptions and primary sources
  • Amounts are INR crore converted from Maruti Suzuki's consolidated audited results reported in INR million.
  • Debt is lease liabilities only; no conventional borrowings are reported in the consolidated balance sheet.
  • Cash includes cash equivalents plus other bank balances; investments combine equity-accounted, non-current and current investments.
  • Trade receivables are INR 5,342 crore; consolidated revenue from operations is INR 183,316 crore and disclosed interest income is INR 383.9 crore.
  • The issuer states that car financing and related activities are not material in financial terms but are part of the group activity mix.

This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.

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