A Letter from Khair Labs  ·  Founding Principles

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

Namaa AI is a fully autonomous trading agent for the NSE India, built by Khair Labs for Muslim investors who refuse to choose between institutional-grade returns and uncompromising Shariah compliance.

﴿ 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

Khair Labs focuses on building technology-driven fintech tools for the Muslim community. Namaa is our flagship product, combining institutional-grade quantitative strategies with Islamic finance principles.

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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

Namaa has maintained a 100% Shariah-compliant trade record since inception. This is not a feature. It is the foundation of Namaa, and it will never be compromised. Built by Khair Labs — a studio committed to technology that aligns with Islamic values.