Social and Development Alliance (SDA) is a Shariah-compliant social welfare initiative of Darul Khair. SDA provides Qarz-e-Hasana (interest-free benevolent financial assistance) and supports individuals and families facing genuine financial hardship while promoting financial inclusion, self-employment, and community development.

No.

SDA is not a bank, Non-Banking Financial Company (NBFC), money lender, or commercial finance company. SDA is a charitable initiative operated by Darul Khair.

Qarz-e-Hasana is an interest-free financial assistance provided for a genuine need. The borrower is required to return only the original amount without paying any interest (Riba), penalty, or hidden charges.

Eligible Indian citizens who satisfy SDA's eligibility criteria, verification process and documentation requirements may apply.

Yes.

Eligible non-members may apply for Qarz up to ₹3,000, subject to SDA policy, including guarantors and Masjid verification.

No.

Every application is individually assessed based on:

• Genuine need
• Verification
• Documentation
• Eligibility
• Availability of funds
• SDA policy

Submitting an application does not guarantee approval.

No.

SDA never charges:

• Interest (Riba)
• Processing interest
• Late payment interest
• Hidden financial charges

Verification helps SDA:

• Protect charitable funds.
• Ensure assistance reaches genuine applicants.
• Prevent fraud.
• Maintain transparency.

You can register through the SDA Website or Mobile App and start contributing according to your chosen membership plan.

No.

Membership is voluntary.

However, Members may receive additional eligibility benefits under SDA policies.

Generally, no.

Membership contributions are charitable donations and are generally non-refundable except where required by law or verified duplicate or erroneous transactions.

No.

Membership is purely charitable.

Members do not receive:

• Interest
• Profit
• Ownership
• Investment returns

Applications can be submitted through the SDA Website or Mobile App by completing the application form and uploading the required documents.

Depending on the application, SDA may request:

• Aadhaar Card
• PAN Card (where applicable)
• Address Proof
• Income Proof
• Bank Details
• Guarantor Details
• Masjid Verification
• Any additional supporting documents

Approval time depends upon:

• Verification
• Completeness of documents
• Committee review
• Availability of funds

Yes.

SDA may approve, defer or reject applications based on its policies and eligibility requirements.

Yes.

You may submit a fresh application if your circumstances change or after addressing the reasons for rejection.

Repayment begins according to the repayment schedule agreed upon at the time of approval.

Yes.

Partial or full repayment can be made at any time without additional charges.

You should immediately inform SDA.

After verification, SDA may review your circumstances and consider rescheduling your repayments.

If you experience genuine hardship due to unemployment, illness, accident or another emergency, inform SDA immediately.

Each case is reviewed individually.

No.

SDA never charges:

• Late fees
• Penalties
• Interest

If a borrower deliberately avoids repayment despite having the financial ability to repay, SDA may:

• Issue reminders;
• Contact guarantors;
• Suspend future eligibility;
• Restrict access to SDA programmes; and
• Initiate civil and/or criminal proceedings where applicable.

Where appropriate, SDA may restrict future assistance after due verification and after providing the borrower a reasonable opportunity to explain.

Yes.

Anyone may make repayment on behalf of the borrower, provided the correct borrower details are supplied.

After verification, SDA may adjust the excess amount, refund it where appropriate, or treat it as a voluntary donation with your consent.

Guarantors help verify your identity, credibility and assist SDA in maintaining communication when necessary.

The borrower remains primarily responsible for repayment.

The guarantor's role is to support verification and communication.

Yes.

SDA maintains a separate Zakaat Fund.

Zakaat is distributed only in accordance with Islamic principles and to eligible beneficiaries after verification.

Where a borrower qualifies as Gharimeen (debtors) under Islamic principles and satisfies SDA's eligibility requirements, SDA may consider assistance through the Zakaat Fund after verification and subject to availability.

Yes.

Anyone may make a voluntary charitable donation.

Yes.

Electronic acknowledgements and receipts are issued after successful transactions.

Please report payment issues within 72 hours so SDA can investigate and assist you.

Yes.

SDA processes personal information in accordance with applicable Indian laws and its Privacy Policy.

No.

SDA does not sell personal information to third parties.

No.

Users must not attempt hacking, fraud, spam, malware distribution or unauthorised access.

Yes.

Accounts may be suspended for fraud, misuse, false information or violation of SDA policies.

Yes.

Applicants may submit a written appeal within the time specified by SDA.

Appeals are reviewed by the authorised SDA Committee.

No.

Approval depends on eligibility, verification and availability of charitable funds.

SDA is a charitable initiative of Darul Khair.

You may contact SDA through:

• Website
• Mobile App
• Email
• WhatsApp
• Telephone

Official contact details are available on the Contact Us page.

Volunteer registration is available through the SDA Website or Mobile App, subject to SDA's volunteer policy.

Yes.

SDA may amend its policies, Terms & Conditions and procedures from time to time. Updated versions will be published on the official website and mobile application.

If your question is not answered here, please contact SDA through the official support channels. Our team will be happy to assist you.