SIP Calculator — Pakistan
See how a monthly mutual-fund investment grows over time at Pakistan's historical equity returns. No signup, no tracking.
Expected long-term returns
| Asset | Long-term return | Notes |
|---|---|---|
| KSE-100 equity funds | ≈ 14% p.a. | Long-term historical average |
| Islamic equity funds | ≈ 13–14% | Shariah-screened (Al Meezan) |
| Money-market / income funds | ≈ 11–13% | Lower risk, lower return |
| Bank savings | ≈ 11–12% | Capital-safe |
Returns are historical averages, not guarantees. Markets fall as well as rise; invest for the long term and diversify.
Where to invest
- Al Meezan Investments — largest Islamic asset manager; Shariah-compliant equity and income funds
- UBL Fund Managers — wide range of equity, income and money-market funds
- MCB-Arif Habib — established funds with online SIP setup
- NBP Funds / HBL Asset Management — broad fund line-ups, minimum SIP often PKR 1,000
Worked example — the power of compounding
Example: ₨10,000/month for 15 years at 14% p.a.
- Future value: ₨6,128,538
- Total invested: ₨1,800,000
- Estimated gains from compounding: ₨4,328,538
That's roughly 3.4× your money — most of it from compounding, not contributions. Starting earlier matters more than investing more.
Tips for SIP investing in Pakistan
- Minimum monthly investment is usually PKR 1,000, so you can start small and increase later.
- Use a step-up SIP — raise the amount each year with your income — to grow the corpus much faster.
- Islamic (Shariah-compliant) equity funds are widely available if you want to avoid riba.
Frequently Asked Questions
How does a SIP work in Pakistan?
A Systematic Investment Plan invests a fixed amount each month into a mutual fund. You buy more units when prices are low and fewer when high (rupee-cost averaging), and returns compound over time.
What return can I expect?
The KSE-100 has returned about 14% per year over the long term, though any single year can be sharply up or down. Income and money-market funds are steadier at roughly 11–13%.
What is the minimum SIP amount?
Most asset managers allow SIPs from around PKR 1,000 per month, so you can start small and step up the amount as your income grows.
Are Islamic (halal) SIP options available?
Yes. Al Meezan and the Islamic windows of other managers offer Shariah-screened equity and income funds with no interest-based holdings.
Is SIP better than a fixed deposit or savings certificate?
SIPs target higher long-term growth via equities but carry market risk. National Savings certificates and bank deposits are safer but usually return less. Many investors hold both.