FARHAN MEER🤑🤑

Software provide karna apne aap mein koi galat kaam nahi hai — phir banking companies ko software provide karne wali IT companies Shariah Compliant kaise ho sakti hain? 🤔 Is Reel mein hum simple way mein samjhenge: • IT companies ka banking sector ko software provide karna Shariah perspective se kaise dekha jata hai? • Kya banking company ko software/service provide karna automatically business ko non-compliant bana deta hai? • TASIS ko bheje gaye email mein is issue par kya clarification diya gaya? • TASIS ke according, is matter par unki Shariah Board ne detailed discussion kiya hai. • PCS aur Infosys jaisi IT companies banking companies ko software provide karti hain — is activity ko Shariah screening mein kaise consider kiya jata hai? • Infosys ki official website par listed business activities aur services ko kaise check kiya ja sakta hai? • Infosys ke financial screening mein Total Debt to Total Assets 2.09% hai, jabki permissible limit 25% batayi gayi hai. • Infosys ka Interest Income 1.88% hai, jabki permissible limit 2.5% hai. • Business activities aur financial ratios ko collectively analyse karke Shariah compliance ka assessment kaise kiya jata hai? • TASIS ki methodology ke according Infosys ko Shariah Compliant kyun consider kiya gaya hai?

Islam mein Interest (Riba) Haram hai — phir Shariah Compliant Investing mein 2.5% Interest Criteria kyun hota hai? 🤔 Is Reel mein hum simple aur practical way mein samjhenge: • Islam mein Interest/Riba ko Haram kyun mana gaya hai? • Jab Interest Haram hai, to Shariah screening mein 2.5% ka criteria kyun rakha jata hai? • India ke practical financial system mein companies ka bank mein cash rakhna kaise interest exposure create karta hai? • Kya aaj ke time mein completely zero-interest exposure wali company milna practically possible hai? • Company ke paas emergency ya excess cash hone par wo usse kahan rakhti hai? • Shariah-compliant equity investing mein financial screening aur permissible limits ka kya role hai? • 2.5% criteria ka actual meaning kya hai — aur kya iska matlab Interest halal ho gaya? • Globally accepted Shariah screening methodology ko follow karna kyun important hai? • Agar hum completely zero-interest exposure par insist karein, to stock market mein investment opportunities kitni limited ho sakti hain? • Shariah principles aur practical financial system ke beech balance ko samajhna kyun zaroori hai?

TCS & Infosys Halal hain ya Haram? Ye ek aisa question hai jisko lekar Muslim investors ke beech kaafi confusion hai. Ek taraf TASIS aur Islamicly TCS/Infosys ko Shariah Compliant maante hain, jabki Islamic Stock in companies ko Non-Compliant classify karta hai. Toh aakhir difference kya hai? Is video mein hum detail mein samjhenge: 1.TASIS ka background aur Shariah screening methodology 2.Islamicly ka research ecosystem aur Shariah scholars 3.Islamic Stock ki screening methodology aur Shariah team 4.TCS & Infosys ke business ka actual nature 5.BFSI/Financial Services revenue ka issue 6.BFSI Client vs BFSI Business — kya dono same cheez hain? 7.Interest income ke screening thresholds 8.TCS/Infosys ko kuch Shariah screeners Halal aur kuch Haram kyun classify karte hain? 9.Different Shariah methodologies ke beech actual disagreement kya hai? Is video ka purpose kisi particular organisation ya scholar ko गलत साबित करना nahi hai, balki different Shariah screening methodologies aur unke reasoning ko samajhna hai.

etirement ke liye sirf corpus banana enough nahi hai. Retirement ke baad us corpus ko efficiently use karna aur protect karna bhi equally important hai. - Retirement planning mein SWP ka role kya hai. - Retirement corpus se kitna withdrawal karna chahiye. - Retirement ke baad Inflation ka impact. - Corpus par Tax aur Zakat ka kya effect ho sakta hai. - Retirement planning mein Health Insurance kyun important ho sakta hai. - Medical emergency se retirement corpus ko protect karne ka importance. - Retirement ke baad regular income + corpus protection dono ko plan karna.

Sirf high net worth hona enough nahi hai. Retirement corpus mein wahi assets count hone chahiye jo retirement ke baad aapko regular income provide kar sakein. * Net Worth aur Retirement Corpus mein kya difference hai. * Apna ghar ₹2.5 Crore ka hai, toh kya woh Retirement Corpus hai? * Land aur Gold ko retirement corpus mein count karna chahiye ya nahi? * Mutual Funds aur Stocks se retirement income kaise generate ho sakti hai. * SWP ke through retirement corpus se monthly income ka concept. * ₹5 Crore net worth mein actual usable retirement corpus kitna ho sakta hai. * Retirement planning mein income-generating assets ko identify karna kyun zaroori hai.

Early years mein SIP karne ka advantage bahut bada hota hai, kyunki compounding ko zyada time milta hai. SIP ki duration kam karoge, toh required SIP amount kaafi badh sakta hai. * 20 Years vs 10 Years vs 5 Years SIP ka comparison. * ₹1 Crore target ke liye different SIP durations mein kitni monthly SIP chahiye. * SIP jaldi start karne se compounding ka benefit kaise milta hai. * SIP period kam hone par required SIP amount kaise increase hota hai. * Early years mein SIP increase aur Top-Up kyun important hai. * Time + Consistency + Compounding wealth creation mein kitna important role play karte hain.

Early start karna retirement planning mein sabse powerful advantage hai. SIP ko fixed commitment nahi, balki income ke saath grow hone wali strategy samajhna chahiye. * Age 30, 40 aur 50 par ₹5 Crore target ke liye required SIP ka difference. * Har 5 saal delay hone par SIP amount kitna increase ho sakta hai. * First salary se hi SIP start karna kyun beneficial hai. * Har year SIP ko Step-Up/Top-Up karna kyun zaroori hai. * Income badhne ke saath SIP amount bhi increase karna. * Goals fixed hone chahiye, lekin SIP amount flexible ho sakta hai. * Early investing + regular top-up se long-term goals achieve karna easier ho sakta hai.

SIP aajkal bahut popular hai, lekin sirf SIP start kar dena enough nahi hai. Sabse pehle apna goal decide karo, phir us goal ke according SIP amount calculate karo. - SIP start karne se pehle Goal decide karna kyun zaroori hai. - Random ₹2,000–₹5,000 ki SIP karna kyun enough nahi ho sakta. - Aapki monthly savings ke according SIP start karna. - Goal decide karke required SIP amount calculate karna. - SIP ko goal-based investment banana kyun important hai. - “SIP kyun kar rahe ho?” iska answer pata hona zaroori hai.

Retirement planning sirf aaj ke expenses aur corpus ko dekhkar nahi karni chahiye. Inflation ko consider karna sabse important hai, warna future ki poori calculation wrong ho sakti hai. - Retirement planning mein Inflation ko ignore karna sabse badi mistake hai. - Rule of 72 se future expenses ka calculation kaise karein. - 6% inflation par 12 saal mein expenses double kaise hote hain. - Aaj ke ₹50,000 expenses, 24 saal baad ₹2 Lakh kaise ho sakte hain. - Aaj ka ₹1 Crore retirement corpus, 12 saal baad ₹2 Crore kyun ho sakta hai. - Galat inflation assumption se Corpus aur SIP calculation dono galat ho sakte hain.

Kya aap retirement ke liye sahi planning kar rahe hain? Retirement planning sirf SIP start karne ya ek bada corpus banane ka naam nahi hai. Planning ke dauraan ki gayi kuch common mistakes aapke retirement corpus aur future financial security ko seriously impact kar sakti hain. Is video mein hum 10 important Retirement Planning Mistakes ko practical examples aur calculations ke saath samjhenge — aur dekhenge ki in mistakes se kaise bacha ja sakta hai. Is video mein hum cover karenge: ✅ Inflation ko ignore karna ✅ Retirement corpus ko properly calculate na karna ✅ Retirement planning ko delay karna ✅ Bachchon ke financial goals ko retirement se zyada priority dena ✅ Market ke ups & downs ke according emotional decisions lena ✅ Sirf corpus par focus karna aur retirement cash flow ko ignore karna ✅ Long-term investment plan par discipline maintain na karna ✅ Investment returns ko overestimate karna ✅ Health Insurance ko ignore karna ✅ Retirement ke liye proper investment strategy na banana Saath hi hum SIP, Step-up SIP, Lump-sum Top-ups aur disciplined investing ke role ko bhi samjhenge, taaki aap apna retirement corpus systematically build kar sakein.