Pak-Qatar Monthly Income Plan (PQMIP) focuses on Corporate and High Net Worth investors, who prefer monthly dividend under a stable Income category with an objective to invest in medium to long-term income instruments as well as, short-tenor money market instruments to generate superior, long-term, risk-adjusted returns in accordance with Shariah practices.
| Pak-Qatar Monthly Income Plan (PQMIP) | |
| Fund Title | Pak-Qatar Islamic Income Fund |
| Fund Category | Shariah Compliant Islamic Income Scheme |
| Plan Title | Pak-Qatar Monthly Income Plan (PQMIP) |
| Risk Profile | Medium (Principal at Medium Risk) |
| Objective | The objective is to focus on Corporate and High Net Worth investors who prefer monthly dividend under a stable Income category with an objective to invest in medium to long-term income instruments as well as, short-tenor money market instruments to generate superior, long-term, risk-adjusted returns in accordance with Shariah practices. |
| IPO Date | 27th September 2022 to 3rd October 2022 (both days inclusive) |
| Benchmark | Six (6) months average deposit rates of three (3) A rated scheduled Islamic Banks or Islamic windows of Conventional Banks as selected by MUFAP |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Monthly |
| Investor Category | The Fund focuses on Corporate and High Net Worth investors who prefer monthly dividend under a stable Income category |
| Minimum Investment | PKR 500,000/- and thereafter PKR 500,000/- and above |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00am to 4:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward |
| Dealing Days | Business Days |
| Fund Rating | A+ (With Stable Outlook) Rating by PACRA |
| Shariah Advisor | Dr. Mufti Muhammad Zubair Usmani |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 10% of Gross earnings of the Plan |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Monthly Income Plan |
Pak-Qatar Income Plan (PQIP) focuses on Corporate and High Net Worth investors who prefer long term wealth generation and capital gain with an objective to invest in medium to long-term income instruments as well as, short-tenor money market instruments to generate superior, long-term, risk-adjusted returns in accordance with Shariah practices.
| Pak-Qatar Income Plan (PQIP) | |
| Fund Title | Pak-Qatar Islamic Income Fund |
| Fund Category | Shariah Compliant Islamic Income Scheme |
| Plan Title | Pak-Qatar Income Plan (PQIP) |
| Risk Profile | Medium (Principal at Medium Risk) |
| Objective | The objective is to focus on Corporate and High Net Worth investors who prefer long term wealth generation and capital gain with an objective to invest in medium to long-term income instruments as well as, short-tenor money market instruments to generate superior, long-term, risk-adjusted returns in accordance with Shariah practices |
| IPO Date | 27th September 2022 to 3rd October 2022 (both days inclusive) |
| Benchmark | Six (6) months average deposit rates of three (3) A rated scheduled Islamic Banks or Islamic windows of Conventional Banks as selected by MUFAP |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Annually |
| Investor Category | The Fund focuses on Corporate and High Net Worth investors who prefer long term wealth generation and capital gain. |
| Minimum Investment | PKR 500,000/- and thereafter PKR 500,000/- and above |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00am to 4:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward |
| Dealing Days | Business Days |
| Fund Rating | A+ (With Stable Outlook) Rating by PACRA |
| Shariah Advisor | Dr. Mufti Muhammad Zubair Usmani |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 10% of Gross earnings of the Plan |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Income Plan |
Pak-Qatar Khalis Bachat Plan (PQKBP) focuses on retail investors who prefer yearly dividend under a stable Income category. Further we offer complementary Takaful Benefits under this Plan to retailers having objective to invest in medium to long-term income instruments as well as, short-tenor money market instruments to generate superior, long-term, risk-adjusted returns in accordance with Shariah practices.
| Pak-Qatar Khalis Bachat Plan (PQKBP) | |
| Fund Title | Pak-Qatar Islamic Income Fund |
| Fund Category | Shariah Compliant Islamic Income Scheme |
| Plan Title | Pak-Qatar Khalis Bachat Plan (PQKBP) |
| Risk Profile | Medium (Principal at Medium Risk) |
| Objective | The objective is to focus on retail investors who prefer yearly dividend under a stable Income category. Further we offer complementary Takaful Benefits under this Plan to retailers having objective to invest in medium to long-term income instruments as well as, short-tenor money market instruments to generate superior, long-term, risk-adjusted returns in accordance with Shariah practices |
| IPO Date | 27th September 2022 to 3rd October 2022 (both days inclusive) |
| Benchmark | Six (6) months average deposit rates of three (3) A rated scheduled Islamic Banks or Islamic windows of Conventional Banks as selected by MUFAP |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Annually |
| Investor Category | The Fund focuses on retail investors who prefer yearly dividend under a stable Income category with complementary Takaful Benefits under this Plan to retailers. |
| Minimum Investment | PKR 1,000/- and thereafter PKR 1,000/- and above |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00am to 4:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward |
| Dealing Days | Business Days |
| Fund Rating | A (With Stable Outlook) Rating by PACRA |
| Shariah Advisor | Dr. Mufti Muhammad Zubair Usmani |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 15% of Gross earnings of the Plan |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Khalis Bachat Plan |
The objective is to focus on generating competitive return while seeking maximum possible preservation of capital by investing in low risk and liquid Shariah Compliant instruments in accordance with Shariah Compliant Islamic Money Market Category.
| Pak-Qatar Islamic Cash Fund (PQICF) | |
| Fund Title | Pak-Qatar Islamic Cash Fund |
| Fund Category | Shariah Compliant Islamic Money Market Scheme |
| Plan Title | Pak-Qatar Cash Plan (PQCP) |
| Risk Profile | Low (Principal at Low Risk) |
| Objective | The objective is to focus on generating competitive return while seeking maximum possible preservation of capital by investing in low risk and liquid Shariah Compliant instruments in accordance with Shariah Compliant Islamic Money Market Category |
| IPO Date | 27th September 2022 to 3rd October 2022 (both days inclusive) |
| Benchmark | Three (3) months average deposit rates of three (3) AA rated scheduled Islamic Banks or Islamic windows of Conventional Banks as selected by MUFAP. |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Annually |
| Investor Category | The Fund focuses on Corporate and High Net Worth investors with preference for liquidity and capital appreciation |
| Minimum Investment | PKR 1,000,000/- and thereafter PKR 500,000/- and above |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00am to 4:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward |
| Dealing Days | Business Days |
| Fund Rating | AA (With Stable Outlook) Rating by PACRA |
| Shariah Advisor | Dr. Mufti Muhammad Zubair Usmani |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 10% of Gross earnings of the Plan |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Cash Plan |
The objective is to focus on generating competitive return while seeking maximum possible preservation of capital by investing in low risk and liquid Shariah Compliant instruments in accordance with Shariah Compliant Islamic Money Market Category.
| Pak-Qatar Daily Dividend Plan | |
| Fund Title | Pak-Qatar Islamic Cash Fund |
| Fund Category | Shariah Compliant Islamic Money Market Scheme |
| Plan Title | Pak-Qatar Daily Dividend Plan (PQDDP) |
| Risk Profile | Low (Principal at Low Risk) |
| Objective | The objective is to focus on generating competitive return while seeking maximum possible preservation of capital by investing in low risk and liquid Shariah Compliant instruments in accordance with Shariah Compliant Islamic Money Market Category |
| IPO Date | 27th September 2022 to 3rd October 2022 (both days inclusive) |
| Benchmark | Three (3) months average deposit rates of three (3) AA rated scheduled Islamic Banks or Islamic windows of Conventional Banks as selected by MUFAP. |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Daily |
| Investor Category | The Fund focuses on Corporate and High Net Worth investors who prefer Daily dividend with high preference for liquidity |
| Minimum Investment | PKR 1,000,000/- and thereafter PKR 500,000/- and above |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00am to 4:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward |
| Dealing Days | Business Days |
| Fund Rating | AA (With Stable Outlook) Rating by PACRA |
| Shariah Advisor | Dr. Mufti Muhammad Zubair Usmani |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 10% of Gross earnings of the Plan |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Daily Dividend Plan |
The objective is to focus on generating competitive return while seeking maximum possible preservation of capital by investing in low risk and liquid Shariah Compliant instruments in accordance with Shariah Compliant Islamic Money Market Category.
| Pak-Qatar Asan Munafa Plan (PQAMP) | |
| Fund Title | Pak-Qatar Islamic Cash Fund |
| Fund Category | Shariah Compliant Islamic Money Market Scheme |
| Plan Title | Pak-Qatar Asan Munafa Plan (PQAMP) |
| Risk Profile | Low (Principal at Low Risk) |
| Objective | The objective is to focus on generating competitive return while seeking maximum possible preservation of capital by investing in low risk and liquid Shariah Compliant instruments in accordance with Shariah Compliant Islamic Money Market Category |
| IPO Date | 27th September 2022 to 3rd October 2022 (both days inclusive) |
| Benchmark | Three (3) months average deposit rates of three (3) AA rated scheduled Islamic Banks or Islamic windows of Conventional Banks as selected by MUFAP. |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Annually |
| Investor Category | The Fund focuses on retail investors having short term liquidity with complementary takaful benefits |
| Minimum Investment | PKR 1,000/- and thereafter PKR 1,000/- and above |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00am to 4:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward |
| Dealing Days | Business Days |
| Fund Rating | AA (With Stable Outlook) Rating by PACRA |
| Shariah Advisor | Dr. Mufti Muhammad Zubair Usmani |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 10% of Gross earnings of the Plan |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Asan Munafa Plan |
The investment objective is to generate long term capital growth through actively managed portfolio in accordance with Shariah Compliant Islamic Equity Category.
| Pak-Qatar Islamic Stock Fund | |
| Fund Title | Pak-Qatar Islamic Stock Fund |
| Fund Category | Shariah Compliant Equity Scheme |
| Risk Profile | High (Principal at High Risk) |
| Objective | The objective is to generate long term capital growth through actively managed portfolio in accordance with Shariah Compliant Equity Category. |
| IPO Date | 21st & 22nd September 2022 (both days inclusive) |
| Benchmark | KMI-30 |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 with stable outlook by PACRA |
| Frequency of Dividend | Annually |
| Investor Category | The Fund focuses on investors who prefer exposure to equity market under long term view |
| Minimum Investment | Initial Investment PKR 1,000/- and thereafter PKR 500/- and above |
| Lockin Period | None |
| Entry Load | Up to 3% |
| Exit Load | Nil |
| Cut-off Timing | Monday to Thursday 9:00 am to 3.00 pm Friday 9:00 am to 4:00 pm |
| Pricing Mechanism | Forward Pricing |
| Dealing Days | Business Days |
| Listing | In process |
| Shariah Advisor | Mufti Muhammad Shakir Siddiqui |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Accrued remuneration equal to an amount not exceeding 3% of Average Annual Net Assets, within allowed expense ratio limit. |
| Trustee | Central Depository Company of Pakistan (CDC) |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Yousuf Adil, Chartered Accountants |
| Bank Account Title | CDC Trustee – Pak-Qatar Islamic Stock Fund |
| Pak-Qatar Asset Allocation Plan IA | |
| Fund Title | Pak-Qatar Islamic Asset Allocation Fund |
| Fund Category | Shariah Compliant Islamic Asset Allocation Fund |
| Plan Title | Pak-Qatar Asset Allocation Plan IA (PQAAP – IA) |
| Risk Profile | Medium (Principal at Medium Risk) |
| Objective | The objective is to generate long term stable returns by investing primarily in high yield debt and fixed income instruments in accordance with Shariah practices. |
| IPO Date | 17th August 2023 |
| Benchmark | Daily weighted return of KMI-30 Index & 6-month average deposit rates of three A rated Islamic Banks/Islamic windows of conventional banks as selected by MUFAP, based on Fund’s actual allocation. |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 |
| Frequency of Dividend | Annual |
| Investor Category | The Plan focuses on Corporate and High Net Worth investors with preference to high yield fixed income instruments. |
| Minimum Investment | PKR 100,000,000/- PKR 10,000,000 thereafter |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Upto 3.00% |
| Cut-off Timing | Monday to Thursday 9:00am to 3:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward Pricing |
| Dealing Days | Business Days |
| Shariah Advisor | Mufti Muhammad Shakir Siddique |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 3% per Annum of Average Annual Net Assets |
| Trustee | Central Depository Company of Pakistan |
| Transfer Agent | ITMinds, a subsidiary of Central Depository Company of Pakistan |
| Auditor | Grant Thornton Anjum Rahman |
| Bank Account Title | CDC Trustee – PakQatar AAP IA |
| Pak-Qatar Asset Allocation Plan IIA (PQAAP – IIA) | |
| Fund Title | Pak Qatar Islamic Asset Allocation Fund |
| Fund Category | Shariah Compliant Islamic Asset Allocation Fund |
| Plan Title | Pak-Qatar Asset Allocation Plan – IIA (PQAAP – IIA) |
| Risk Profile | Medium (Principal at Medium Risk) |
| Objective | The objective is to generate short term competitive returns by investing primarily in floater debt and Income instruments along with low risk short-tenor instruments in accordance with Shariah practices. |
| IPO Date | 17th August 2023 |
| Benchmark | Daily weighted return of KMI-30 Index & 6-month average deposit rates of three A rated Islamic Banks/Islamic windows of conventional banks as selected by MUFAP, based on Fund’s actual allocation. |
| Asset Manager | Pak-Qatar Asset Management Company Limited |
| Asset Manager Rating | AM2 |
| Frequency of Dividend | Annual |
| Investor Category | The Plan focuses on Corporate and High Net Worth investors with preference to high yield fixed income instruments. |
| Minimum Investment | PKR 100,000,000/- PKR 10,000,000 thereafter |
| Lockin Period | None |
| Entry Load | Upto 3.00% |
| Exit Load | Upto 3.00% |
| Cut-off Timing | Monday to Thursday 9:00am to 3:00 pm Friday 9:00am to 4:00 pm |
| Pricing Mechanism | Forward Pricing |
| Dealing Days | Business Days |
| Shariah Advisor | Mufti Muhammad Shakir Siddique |
| Tax Implications | Capital Gain Tax and withholding tax on cash dividends as per prevailing Income Tax Ordinance, 2001. |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Management Fee | Up to 3% per Annum of Average Annual Net Assets |
| Trustee | Central Depository Company of Pakistan |
| Auditor | Grant Thornton Anjum Rahman |
| Bank Account Title | CDC Trustee – PakQatar AAP IIA |
| Pak-Qatar Stable Return Plan I (PQSRP I) | |
| AMC Rating | AM2 |
| Plan Title | Pak Qatar Stable Return Plan 1 (Under Pak Qatar Asset Allocation Fund) |
| Risk Profile | Medium (Principal at Medium Risk)- Invests in Gov. securities/Banking Security or Cash at Bank |
| Investment Objective | To earn potentially higher returns by investing in fixed-income instruments. |
| Expected Returns | 21.10% annualized. |
| Frequency of Dividend | Disbursement Rollover at maturity |
| Pricing Mechanism | Forward Pricing |
| Duration | Three Months |
| Cheque in Favor of | CDC Trustee Pak-Qatar SRP I |
| Pre-IPO | 17-Oct-2023 to 25-Oct-2023 |
| IPO | 10/26/2023 |
| Maturity Date | 01/23/2024 |
| Front or Back-End Load | “ 0 ” ZERO |
| Contingent Load | The PQRSP 1 may entail a Contingent load in proportion to the net loss, if any, experienced by the fund, as a result of early redemption. |
| Min. Subscription | PKR 5,000,000 |
| Tax Implications | Capital Gain Tax and Withholding Tax – Both options are available as per prevailing provisions of The Income Tax Ordinance, 2001. |
| Trustee | Central Depository Company of Pakistan (CDC) |
| Shariah Advisor | Mufti Muhammad Shakir Siddique |
| Zakat & Taxation | Zakat Deduction as per Zakat & Ushr Ordinance, 1980. |
| Investor Name | |
| Investment Commitment | |
*The Advisory function primarily revolves around investment advice w.r.t. equity scrips and fixed income securities, etc.
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