A Letter from Khair Labs  ·  Founding Principles

نماء means growth.
We built Namaa so growth
never costs you your faith.

Namaa AI is a Shariah-aware, AI-guided trading toolset for NSE India, built by Khair Labs Private Limited for Muslim investors who want institutional-grade rigour without compromising their faith. It scans and prepares every trade — you confirm before it's placed, on your own Zerodha API.

﴿ إِنَّ اللَّهَ يُحِبُّ إِذَا عَمِلَ أَحَدُكُمْ عَمَلًا أَنْ يُتْقِنَهُ ﴾ Trading is an act of work. Halal trading is an act of worship.
We owe every rupee the same discipline — no shortcuts, no compromises, no hand-waving. — Khair Labs, Founding Note

Our Principles

🕌

Shariah First

Every trading decision passes through Shariah compliance. No compromises, no exceptions.

🛡️

Safety by Design

Circuit breakers, cash reserves, and assertion-level safety rules. Built for capital preservation.

🔍

Full Transparency

Every cost, every tax, every reasoning step is logged and auditable. Nothing is hidden.

Built by Khair Labs Private Limited

Khair Labs Private Limited is an Indian private limited company building technology-driven fintech tools for the Muslim community. Namaa AI is our flagship product — institutional-grade quantitative strategy software, configured and operated by you, on your own broker account, against your own API credentials.

Khair Labs Private Limited is the contracting party, the data fiduciary (DPDP 2023), and the Razorpay merchant of record for all subscriptions. We are not a SEBI-registered Investment Adviser, Research Analyst, Portfolio Manager or broker. We do not give personalised investment advice.

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Shariah Methodology

How we enforce compliance — at the infrastructure level.

Step 1 — Shariah Universe (Monthly)

We aggregate holdings from 5 Shariah-certified mutual funds: Tata Ethical Fund, Taurus Ethical Fund, Nippon Shariah BeES, Quantum Ethical Fund, and the Nifty 500 Shariah TRI index. Any stock held by at least one of these funds enters the candidate pool.

Step 2 — Six-Rule Secondary Filter

Every candidate passes 6 quantitative rules: debt-to-market-cap below 33%, accounts receivable below 49% of assets, non-permissible income below 5%, promoter pledge below 20%, no haram sector exposure, and no interest-based primary business.

Step 3 — ORIS AI Re-verification (Per Trade)

Before every trade, ORIS AI runs a Shariah compliance check on the specific stock using real-time financial data. If ORIS flags any concern, the trade is skipped — regardless of strategy score. This step cannot be disabled.

Our Commitment

Every trade your agent surfaces passes the screen above before it can execute. The screen is a methodology — not a religious certification or fatwa. For the personal religious due diligence on any specific holding, consult a qualified scholar. Read the full technical methodology or check your own portfolio free. Built by Khair Labs Private Limited, a studio committed to technology that aligns with Islamic values.