Zoya halal stock screener
Zoya is a halal stock screening app with a free tier and a paid Pro tier for deeper research features. Zoya provides halal stock screening with AAOIFI as the default methodology and additional methodology comparison for Pro users. It is designed as a research tool, not a broker or personalized investment adviser.
Official sources
What we could verify for Zoya
Zoya has strong help-center evidence for screening methodology and Pro features. The old 'no premium tiers' wording is no longer reliable, so the review should describe Zoya as freemium.
Checked Aug 4, 2026
What this supports
- Zoya publishes a free tier and a Pro subscription tier with expanded reports, methodology switching, broker connections, ETF/fund screening, and alerts.
- Zoya's default screening standard is AAOIFI, while Pro users can compare additional recognized methodologies.
- Zoya says it is non-custodial and that assets remain with the user's broker or institution.
- Zoya states that it is not a broker-dealer or investment adviser and does not provide personalized investment advice.
Still verify
- Confirm localized Zoya Pro pricing in the app store for the reader's country.
- Check supported brokers before assuming in-app trading will work for a specific user.
- Treat Zoya ratings as research inputs, not as a fatwa or buy/sell recommendation.
Official source links
Official, regulator, help-center, or disclosure pages
Supports non-custodial positioning, feature set, market coverage, and investment-risk disclosure.
Supports AAOIFI default screening, methodology differences, and update-cycle context.
Supports U.S. Pro price and localized-pricing caveat.
Supports free-vs-Pro feature differences.
Use this section as a starting point, not as investment advice, insurance advice, legal advice, tax advice, or a religious ruling.
Quick verdict
Use Zoya for screening, not for broker access
Zoya belongs in the first step of the Hala decision graph: checking whether a stock, ETF, or fund appears to fit a Shariah screening methodology. It should not be treated as a broker, a personal fatwa, a tax answer, or proof that a Singapore user can buy the asset.
Best for
- Checking a stock or ETF before choosing a broker
- Comparing business activity, ratios, holdings, and methodology signals
- Keeping a repeatable evidence trail before a user makes an investing decision
Not enough for
- Opening or funding a brokerage account
- Confirming Singapore broker availability, CPF/SRS eligibility, or tax treatment
- Replacing qualified financial, tax, legal, or religious guidance for edge cases
Zoya in the halal screening workflow
A screener helps answer the asset question before the platform question
| Step | Question | Notes to capture |
|---|---|---|
| 1. Identify | Which exact ticker or fund? | Record ticker, exchange, share class, fund name, or portfolio holding. |
| 2. Screen | What does the screener say? | Record status, methodology, business activity, ratios, holdings, and update date. |
| 3. Compare | Does another method disagree? | Check whether AAOIFI, index, app, or scholar methodology leads to a different result. |
| 4. Execute | Where can it be bought? | Move to broker, ETF product, or country page after the screening evidence is captured. |
Methodology checks before trusting a result
A green or red label is only useful when the method behind it is clear
What to inspect
- Business activity screens and prohibited revenue treatment.
- Financial ratio thresholds, including debt, cash, receivables, and interest income treatment.
- Holdings coverage for ETFs or mutual funds, not just the fund name.
- Last update date, data source, and whether the result is final, questionable, or needs review.
Where screeners can disagree
- Different standards can use different thresholds or calculation rules.
- Revenue classifications and segment data can be interpreted differently.
- Company financials, ETF holdings, and fund constituents can change after the last update.
- A screener result is a research input, not a personal ruling for every investor.
Singapore workflow after using a screener
Screening tells you what to research next, not where to click buy
If screening a stock
- Confirm the exact listing and exchange supported by your broker
- Check SGD/USD conversion, commission, custody, and statement records
- Avoid account features that create margin, lending, derivatives, or interest exposure
If screening an ETF or fund
- Open the factsheet, holdings, index methodology, expense ratio, and prospectus
- Confirm broker access and listing currency separately
- Do not claim CPF/SRS eligibility without official product and wrapper evidence
Where this screener fits in the Hala decision graph
Move from screening into comparison, product evidence, and broker access
Compare Zoya with the right alternatives
Screeners, brokers, and managed portfolios have different jobs
Frequently Asked Questions
Is Zoya halal?+
Zoya is a screening or research tool, not an investment product by itself. Use it to review stocks, ETFs, funds, methodology, and evidence; do not treat the tool name as a halal ruling for every investment.
Does Zoya replace a broker?+
No. Zoya helps with screening and research. You still need a separate broker, fund platform, robo-advisor, or product provider to actually invest.
Can Singapore investors use Zoya?+
Treat Singapore usability as evidence-dependent. The key checks are app access, supported markets, pricing, methodology coverage, and whether the exact stock, ETF, or fund you want to research is included.
Why can Musaffa and Zoya show different results?+
Screeners can differ because they use different data vendors, update schedules, thresholds, revenue treatment, fund-holdings data, and methodology interpretation. When results disagree, compare the business activity notes, financial ratios, holdings, and update dates.
Is a green screener result enough to invest?+
No. A green result is a research signal. You still need to check price risk, portfolio concentration, broker access, fees, tax records, purification needs, and whether your own methodology or adviser accepts the result.
What should I record from a screener result?+
Record the ticker or fund name, exchange, screening standard, status, business activity result, financial ratios, holdings where relevant, update date, source link, and any questionable or conflicting notes.