『ISLAMIC FINANCE RESEARCH』のカバーアート

ISLAMIC FINANCE RESEARCH

ISLAMIC FINANCE RESEARCH

著者: Zayd Haji
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I’m Zayd Haji, host of the Islamic Finance Research podcast on Spotify. I break down Islamic finance and equity markets using a top-to-bottom analysis approach. In business research, I analyze 4,000+ companies’ annual reports, linking macro trends with micro insights to reveal actionable strategies. In Islamic Finance, my Zayd’s Rules – Halal Economy series explains 150+ Shariah-compliant concepts, showing finance as justice, transparency, and amanah. Disclaimer: Based on NSE, BSE, RBI data, company reports, and screener. Not investment advice. https://g.co/kgs/bf9b1XZayd Haji 個人ファイナンス 経済学
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  • GST 2.0 Explained | GST Reform 2025 | New GST Rate on Bike, Cars & Essentials | GST Price Drop List | GST on Grocery | Amul New GST Rates | GST New Slab 2025 | After GST Bike & Scooty Price in India
    2025/09/25

    GST 2.0 Explained | GST Reform 2025 | New GST Rate on Bike, Cars & Essentials | GST Price Drop List | GST on Grocery | Amul New GST Rates | GST New Slab 2025 | After GST Bike & Scooty Price in India

    Explore the impact of GST 2.0 reforms on India’s economy in 2025 with Zayd Haji. From essential goods like soaps, toothpaste, groceries, and packaged foods to high-value items such as cars, motorcycles, and electronics, we break down how the new GST slabs affect consumption, affordability, and the middle-class financial burden. Learn how the 5% and 18% slabs aim to provide relief for daily essentials while luxury and sin goods see a sharp increase to 40%, raising questions about fairness, equity, and real economic growth.

    In this detailed episode, we analyze:

    • The gross domestic product of India reflects the strength of India and economy, showing how India’s economy and the national economy of India adapt to gst reform and new tax rates. With new income tax slab, new tax regime slabs, new regime tax slab, and the new tax slab replacing old regime tax slab and old tax regime slab, citizens track latest tax slab, recent tax slab, tax new slab, and tax slab new regime. India economy in trillion and India per person income link with gst 2.0, gst on bike, new gst rate, and gst explained, shaping growth.

    • We also discuss the structural challenges:

      • Stagnant entry-level salaries in IT and private sectors versus rising executive pay.

      • Impact of layered taxation on disposable income and consumption.

      • How countries like UAE and Saudi Arabia stimulate growth with no personal income tax.

      • The role of moderate inflation and fiscal debt in India’s economic stability.

      From Infosys fresher salaries to household affordability, from luxury car taxation to sin goods, GST 2.0 promises relief, but does it translate into real economic growth? We explore the contradictions, the wins, and the limitations, backed by statistics, CPI data, and government insights.

      Additionally, the episode ties economic fairness with Islamic principles of justice, Zakāh, and ethical wealth distribution, emphasizing how equitable policies and fair wages could transform society, uplift the middle class, and stimulate sustainable growth.


      REFERENCES:

      India Debt 2025

      India’s total public debt is projected to reach ₹196.78 lakh crore by March 2026, highlighting rising fiscal pressures.

      Source: Government of India – Ministry of Finance, 2025

      Link: https://drive.google.com/file/d/1Om0ZhxoWK3b9tmLpJSiHFxB3r_98HpEH/view?usp=drive_link


      India GDP 2025

      India’s GDP is expected to grow at 7.8% in Q1 of 2025-26, reflecting continued economic recovery.

      Source: Ministry of Statistics and Programme Implementation, 2025

      Link: https://drive.google.com/file/d/1JWmwbf6nPzEt8ZIvg9yDHw58sBUnJxzE/view?usp=drive_link


      India GST 2.0 2025

      GST 2.0 reforms simplify taxation with 5% and 18% slabs while maintaining higher levies on luxury and sin goods.

      Source: GST Council, Government of India, 2025

      Link: https://drive.google.com/file/d/1XjIEPoFL_wCtIY_BNWo3BdFI_KqEXhkV/view?usp=drive_link


      India GST Doubts 2025

      Clarifications on GST 2.0 cover time of supply, invoicing, and input tax credit protections for businesses.

      Source: Central Board of Indirect Taxes and Customs (CBIC), 2025

      Link: https://drive.google.com/file/d/14ik5HKKXcDbUAytf7d1lKiZtaQGrtDp1/view?usp=drive_link


      India Inflation 2025

      Consumer Price Index (CPI) inflation for India remains low at 1.55% in 2025, with rural and urban food inflation negative.

      Source: Ministry of Statistics and Programme Implementation (CPI Data), 2025

      Link: https://drive.google.com/file/d/1dsiDTzXsUSzPIvZe6WyqgYdAsvriXW30/view?usp=drive_link


      India Tax Collection 2025

      India collected over ₹27.02 lakh crore in taxes during FY 2024-25, nearly doubling collections in five years.

      Source: Ministry of Finance – Tax Department, 2025

      Link: https://drive.google.com/file/d/1TKIBzISziZYy5WWnS1fh4XDF0zZ1SM1Q/view?usp=drive_link

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    28 分
  • Atul Limited SWOT Analysis, Financial Data & Competitive Business Case Study | Industry Analysis, Market Research Reports, Governance, Risk Assessment & Fundamental Research by Zayd Haji | IFR
    2025/09/04
    Atul Limited SWOT Analysis, Financial Data, and Competitive Business Case Study are explored in depth by Zayd Haji under IFR. This research combines Industry Analysis, Market Research Reports, Governance insights, Risk Assessment, and Fundamental Research to reveal Atul’s true business position.Reports & ResourcesABB India Ltd PDF – Leading player in power, automation, and industrial technology solutions.Aegis Logistics Ltd PDF – Key logistics company specializing in liquid terminal and gas distribution.Amara Raja Energy & Mobility Ltd PDF – Prominent energy solutions provider known for automotive and industrial batteries.Atul Limited PDF – Diversified chemical company with global presence across life sciences and performance chemicals.Bombay Dyeing PDF – Renowned textiles and real estate company with a strong legacy in India.Atul Limited, one of India’s most respected and diversified chemical companies, stands as a compelling case of how business governance, financial data analysis, and industry research combine to create long-term value. In this video, we deliver a comprehensive SWOT analysis, detailed fundamental analysis, and a strategic business case study of Atul Limited. This exploration is part of the Company Research series by Zayd Haji, where we decode the numbers, strategies, and governance structures behind leading corporations.Our research is built on primary research, secondary research, and competitive intelligence, with insights drawn from annual reports, financial statements, economic surveys, and trusted analytical platforms. By applying proven research and methodology, we bring clarity to Atul Limited’s financial health, competitive position, and future growth prospects.SWOT Analysis: Strengths, weaknesses, opportunities, and threats shaping Atul Limited’s operations.Analyzing Financial Data: Revenue, profits, margins, return ratios, and time series analysis of trends.Competitive Analysis: How Atul Limited positions itself against global and domestic competitors.Competitor Research and Analysis: Benchmarking strategies against peers for realistic comparison.Fundamental Analysis: Assessing intrinsic value through balance sheets, income statements, and cash flow.Company Governance and Business Governance: Examining structure, ethical practices, and leadership decisions.Industry Analysis: Broader view of the chemical sector in India and internationally.Market Research Reports: Integrating forecasts and data-driven insights from industry reports.Founded in 1947, Atul Limited has built a wide legacy with over 900 products and 400 formulations serving nearly 4,000 customers across 30 industries. Its presence spans more than 80 countries, covering life sciences, performance chemicals, adhesives, coatings, and crop protection solutions. With strong research and development capabilities, the company has delivered innovations such as patented formulations and sustainable chemistry practices, ensuring relevance in both domestic and international markets.Yet challenges remain. Cyclical demand in textiles and agriculture, rising environmental compliance costs, and global competition test its resilience. Through business research, we analyze how these risks influence profitability, return on capital employed, and long-term sustainability.This case study is designed for students, investors, researchers, and professionals who seek a structured understanding of how companies grow in competitive markets. It goes beyond surface-level summaries to reveal governance, innovation, and resilience as cornerstones of Atul’s journey.This video is part of Zayd Haji’s Company Research Playlist, crafted to enhance financial literacy through in-depth business research, market research reports, and fundamental analysis. Join us as we uncover Atul Limited’s story—where opportunities drive growth and challenges shape strength.
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    31 分
  • Top Stock Research: Bombay Dyeing & Manufacturing Company Ltd | Company Analysis, Market Insights, BSE India Share Price-Global Share Market, Business Research | IFR ISLAMIC FINANCE RESEARCH ZAYD HAJI
    2025/08/21

    Investors seeking top stock research in the global share market and international share market often rely on insights from business research, market research companies, and market research groups to track leading stock market companies. Detailed company analysis and market analysis help in analyzing financial data, identifying opportunities in BSE listed companies, and evaluating movements in the BSE India share price, BSE Limited share price, and BSE Ltd share price. Tracking global market indices and the global stock index alongside performance of BSE India Limited, BSE Limited, and BSE Ltd share provides clarity on trends. For those evaluating the best shares to buy now, research-driven strategies ensure stronger investment decisions in dynamic markets.


    Bombay Dyeing and Manufacturing Company Ltd (NSE: BOMDYEING, BSE: 500020) is one of India’s oldest and most recognized names in the textile and real estate sector, with a legacy that now positions it as a diversified business player. For investors and researchers in the global share market and international share market, the company provides a case study of transformation, financial restructuring, and asset monetisation.

    Currently, the company operates across three primary segments: Polyester Staple Fibre (PSF), Real Estate Development, and Retail Textiles. The polyester division remains the largest contributor, accounting for nearly 88% of revenues in FY25, making Bombay Dyeing one of the top seven PSF producers in India, holding around a 12% market share. Its products include a wide range of virgin polyester fibres and PET chips, with applications across industries.

    The real estate business has seen significant traction, particularly with landmark projects like the Island City Centre (ICC) Towers in Dadar, Mumbai. The company also monetised prime land at Worli through strategic divestments to global players like Sumitomo Realty, which allowed Bombay Dyeing to eliminate its multi-year debt burden. Today, it stands debt-free, a rare position among BSE listed companies in the textile and real estate sectors.

    On the retail side, the company continues to build its legacy brand through 350+ exclusive stores and 2,000+ multi-brand outlets across India, offering premium home furnishings, linens, towels, and apparel. Despite retail contributing a smaller share to total revenues, its wide consumer footprint reinforces brand strength.

    From a financial research perspective, the company’s story is less about consistent revenue growth and more about strategic asset monetisation. In FY24, Bombay Dyeing reported a net profit of ₹2,949 Cr, primarily driven by land sales and other income rather than core operations. This highlights a unique angle for stock market companies analysis—while operational margins remain weak, the company’s ability to unlock value from its land bank and investments keeps investor interest alive.

    For those tracking BSE India share price, BSE Limited share price, and BSE Ltd share performance, Bombay Dyeing represents a “special situation” stock rather than a compounding growth story. Investors evaluating the best shares to buy now must note that the company’s returns are event-driven, highly dependent on timing of land sales, regulatory approvals, and successful execution of large real estate projects.

    In the broader global stock index and global market indices context, Bombay Dyeing is not a dominant international player but offers insights into how legacy Indian businesses reinvent themselves through asset restructuring. For market research companies and market research groups, the company is a valuable subject for analyzing financial data, studying turnaround strategies, and benchmarking real estate monetisation plays in emerging markets.

    The key positives include a debt-free balance sheet, strong liquidity buffer from asset sales, and prime land parcels in Mumbai that could drive future cash flows.

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    32 分
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