The investment certificates that are issued by Riba-based banks of all three types – Class A, B and C – are all prohibited. Certificates of Class A and Class B are prohibited because they are loans that are guaranteed with guaranteed interest. Certificates of Class C are in fact based on Riba and that it is included in the general principle which says that “Every loan that brings a benefit is Riba.”

Every game that involves using dice is prohibited because it comes under the heading of dice games, which are prohibited. Ludo is a game that relies on the use of the dice. Therefore, playing Ludo is prohibited in Islam.