Zoya Review - Halal Finance Products
Reviewed quarterly and updated for major content changes.
Zoya offers halal financial products and services designed to align with Islamic principles. These options provide alternatives to conventional interest-based financial products, using structures like Murabaha, Ijara, and Musharakah.
Opens provider's site - no obligation
HalalWallet 2026 Review
Zoya - At a Glance
1
Products Reviewed
All
Provinces (Nationwide)
1
Category
Shariah Compliance Review
Oversight Level
Review details on provider's website
Shariah compliance should always be verified directly with Zoya. HalalWallet reports publicly available oversight information but does not issue fatwas or certify compliance.
Bottom Line
Zoya is a Shariah-compliant financial provider serving Indian Muslims. Review the products listed above and compare with other providers to find the best fit for your needs.
Products from Zoya
Why It's Halal
Zoya applies the AAOIFI screening methodology 'under the guidance of our shariah advisors' per its own FAQ: core business must be permissible, and financial screens cap non-permissible revenue at 5% with interest-bearing debt and securities each under 30% of market cap. The site is straightforward about gray areas, labeling 'questionable' companies where scholars differ. Honest caveats: the homepage does not print its advisors' names (our US records document the panel), Pro pricing is only published in-app/app-store rather than on a public pricing page, and for Indian users Zoya is research-only with no SEBI standing and no INR billing (crawled zoya.finance 2026-08-06).
Zoya
Zoya Shariah Stock Screening (India)
Shariah compliance screening app whose own FAQ lists India among covered markets ('major exchanges in the US, UK, Canada, Australia, Germany, India, Japan, Poland, Taiwan, and OTC markets'). Zoya provides AAOIFI-based compliance status on 40,000+ stocks, ETFs and mutual funds, with the dataset refreshed daily and compliance reports updated on each company's financial reporting cycle. The free tier covers compliance status; Zoya Pro (app-store pricing $14.99/month or $119.99/year per Zoya's help center, verified 2026-08-05 in our US crawl) unlocks full ratio-level reports and multiple index rulebooks (S&P, MSCI, Dow Jones, FTSE). Its brokerage integration (Alpaca) is a US-market service, so Indian users get the research and screening layer (crawled zoya.finance 2026-08-06).
Opens provider site - no obligation
Where Available
Based on listings we track, Zoya operates nationwide:
Nationwide availability
Availability may vary by product type. Always verify current availability directly with Zoya.
How We Compare
- • We review publicly available information from providers, including Shariah compliance documentation.
- • We compare financing structures, total costs, down payment requirements, and state availability.
- • We prioritize providers that clearly explain their halal compliance rationale and operate with transparency.
- • We note which products are available nationwide versus regionally.
- • Learn more about our methodology.
Quick Answer
Zoya offers halal financial products that comply with Shariah principles, avoiding interest (riba) and prohibited industries. Their products are available in 1 state and include Investing options.
Key Takeaways
- Zoya offers Shariah-compliant financial products that avoid interest and prohibited industries.
- Products are available in 1 state: Nationwide.
- Product categories include Investing.
- Always verify compliance directly with Zoya and consult qualified Islamic finance advisors when needed.
- Compare Zoya's products with other providers to find the best fit for your needs.
Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-03-09
How to cite this page
Preferred format:
For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.
Related Guides
Frequently Asked Questions
What types of halal products does Zoya offer?
Zoya offers 1 product across 1 category. Specific product types, terms, and availability can vary. Review the products listed above or contact Zoya directly for current offerings.
How does Zoya ensure Shariah compliance?
Review Zoya's publicly available Shariah compliance documentation, understand the product structures they use, and check for independent oversight or Shariah board involvement. Always verify compliance directly with Zoya and consult with qualified Islamic finance advisors for guidance on specific products.
Is Zoya available in my state?
Zoya operates nationwide, though specific products may have regional limitations. Always verify current availability directly with Zoya.
Are Zoya's products more expensive than conventional options?
Halal financing structures can have different fee structures compared to conventional products. Some options may be competitive with conventional rates, while others may have different cost structures. Pricing varies by product type, location, and individual circumstances. Always compare total costs and terms when evaluating options.
How do I contact Zoya?
Contact information for Zoya should be available through their website or the product listings above. Use the action links provided with each product to visit Zoya's website or contact them directly for more information.
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