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70 articles
The Sahulat Network: The Story of India's Interest-Free Finance Map (2026)
Sahulat Microfinance Society is not a lender. It is the promoter, standard-setter and mapmaker of India's interest-free cooperative sector: 51 entities, 122 branches, 14 states as of March 2025.
Al-Khair Co-operative Credit Society: The Complete Guide (2026)
Patna's Al-Khair is the most price-transparent interest-free society in India: published membership costs, doorstep deposits, and printed loan charges of 8 to 18 percent one-time. The complete guide with every caveat.
Bait-Un-Nas'r: Mumbai's 50-Year Interest-Free Institution, Reviewed (2026)
Established October 1976 with INR 11,635, Bait-Un-Nas'r now runs nine branches across Mumbai and Thane with five deposit schemes and five qard hasan loan lines. The complete guide, caveats included.
Janseva Co-operative Credit Society: The Complete Guide (2026)
Janseva's founding resolution commits it to Quran and Sunnah within Indian law. Twelve permitted states, qard-e-hasanah deposits, a debt-rescue-first loan ladder and SHG microfinance. The full guide.
Al-Khair vs Bait-Un-Nas'r vs Janseva: Choosing an Interest-Free Society in India (2026)
India's three most documented interest-free societies differ where it counts: geography, pricing transparency, product depth and doctrine. The side-by-side comparison, built from their own published terms.
Qard Hasan Explained: The Contract Behind India's Interest-Free Finance (2026)
Qard hasan is a loan repaid exactly as borrowed, with any excess for the lender prohibited as riba. What the contract requires, why it is hard to institutionalise, and how India's cooperatives actually apply it.
The True Cost of 'Interest-Free' Loans in India: Service Charges, Annualised (2026)
Interest-free does not mean free. Al-Khair's printed one-time charges of 8 to 18 percent annualise to roughly 16 to 32 percent depending on tenor. The honest arithmetic for every documented product.
Is a Service Charge Riba? The Unresolved Debate at the Heart of India's Interest-Free Sector (2026)
India's interest-free societies charge 8 to 18 percent one-time, or annual-rate charges, on loans they call qard hasan. Cost recovery or riba in function? The debate, both sides, with no false resolution.
Mumbai's Interest-Free Finance Guide: Bait-Un-Nas'r, Janseva and the City's Halal Money Map (2026)
Mumbai is the capital of Indian interest-free finance: Bait-Un-Nas'r's nine branches from Mahim to Mumbra, Janseva's Colaba headquarters, and fifty years of institutional history. The city guide.