SIP Calculator — Pakistan
See how a monthly mutual-fund investment grows over time at Pakistan's historical equity returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero to see results.
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.
A real-data rate check: long-term investment returns in Pakistan (2026)
Pakistan's equity market has delivered some of the highest headline returns in the world in recent years, but it is also one of the most volatile. According to the Pakistan Stock Exchange (PSX) Data Portal's official 5-year progress report, the KSE-100 index closed at 44,596.07 points at end-2021 and at 174,054.32 points at end-2025 — a roughly 40.6% compound annual growth rate over that 4-year window, an unusually strong run not to be read as a "normal" year.
A longer, fund-level track record gives a steadier reference point. NBP Fund Management reports that its flagship NBP Stock Fund (NSF) has returned 17.0% per annum since its inception on January 19, 2007 (through August 31, 2026), against its KSE-30 Total Return benchmark's 12.4% p.a. over the same span. That 19-and-a-half-year record spans multiple boom-bust cycles, including a -14.0% year (FY2022) and a -2.2% year (FY2023), alongside outsized gains such as +85.1% (FY2024) and +67.4% (FY2025). We use a more conservative 15% annual return as the calculator's default for a diversified Pakistani equity/mutual-fund SIP.
A more realistic example: investing PKR 10,000 every month for 10 years (120 months) at a 15% annual return, using FV = P × [((1+r)^n − 1)/r] × (1+r): FV ≈ PKR 27,87,000 (about Rs. 2.79 million). Of this, only PKR 12,00,000 is money actually contributed — the remaining roughly PKR 15,87,000 is compounded growth.
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.
Are mutual fund gains taxed in Pakistan?
Mutual funds deduct capital gains tax at source — 15% for stock funds held by individuals, with the rate varying by fund type, and no tax deducted if a security is held over six years. Check current FBR rules or your fund's tax statement for specifics.
Is a 15% annual return realistic for a Pakistani SIP or mutual fund plan?
It's a reasonably conservative estimate. NBP Fund Management's NBP Stock Fund has returned about 17% per annum since its January 2007 inception (through August 2026), while the KSE-100 index itself grew far faster in 2021-2025 (roughly 40.6% CAGR per PSX's own progress report). Because that recent run included some exceptional years, 15% is a more sustainable planning assumption than extrapolating the last few years forward.
Why not use the KSE-100's recent 40%+ annual growth as the default rate?
The KSE-100's 2021-2025 run (44,596 to 174,054 points, per PSX's data portal) included a near-doubling in 2024 alone, an unusually strong year unlikely to repeat every year. Pakistani equities have also had negative years (e.g., -14.0% in FY2022 for NBP Stock Fund). Using the multi-decade average return of a real fund gives a more dependable default for long-term SIP planning.
Related calculators
Sources
PSX Data Portal, Pakistan Stock Exchange (2026): 5-year progress report showing KSE-100 index levels. NBP Fund Management (as of August 31, 2026): NBP Stock Fund performance page showing 17.0% p.a. since inception. See our methodology and editorial policy for how we source and update this data.