Applicant Copy

Sarparast Takaful Plan for Regular Contributions (G4)

Illustration for ‫ﻓﻮﺍﺋﺪ ﮐﯽ ﺗﺼﺮﯾﺢ‬
‫ﺳﺮﭘﺮﺳﺖ ﻓﯿﻤﻠﯽ ﺗﮑﺎﻓﻞ ﭘﻼﻥ‬

Basic Details: :‫ﻓﻮﺍﺋﺪ ﮐﯽ ﺗﻔﺼﯿﻞ‬

Expected Commencement Date 01/12/2018 ‫ﻣﺘﻮﻗﻊ ﺗﺎﺭﯾﺦٍ ﺁﻏﺎﺯ‬
Date of Birth 01/01/1984 ‫ﺗﺎﺭﯾﺦ ﭘﯿﺪﺍﺋﺶ‬

Coverage Details: :‫ﮐﻮﺭﯾﺞ ﮐﯽ ﺗﻔﺼﯿﻞ‬

Currency of Plan Pakistani Rupee (Rs.) ‫ﺗﮑﺎﻓﻞ ﭘﻼﻥ ﮐﯽ ﮐﺮﻧﺴﯽ‬
Annualized Regular Contribution Rs. 56,000 :‫ﻣﺴﺘﻘﻞ ﺯﺭِ ﺗﻌﺎﻭﻥ‬
Total Annualized Contribution over
Rs. 840,000 ‫ﺩﻭﺭﺍﻥِ ﭘﻼﻥ ﺳﺎﻻﻧﮧ ﻗﺎﺑﻞِ ﻭﺻﻮﻝ ﺯﺭِ ﺗﻌﺎﻭﻥ‬
entire term of policy
Mode Yearly / ‫ﺳﺎﻻﻧﮧ‬ ‫ﺍﺩﺍﺋﯿﮕﯽ ﮐﺎ ﻃﺮﯾﻘﮧ‬
Contribution Term (Years) 15 (‫ﺯﺭِﺗﻌﺎﻭﻥ ﮐﯽ ﻣﺪﺕ )ﺳﺎﻝ‬
Membership Term 45 years (‫ ﺳﺎﻝ‬45) ‫ﻣﻤﺒﺮ ﺷﭗ ﮐﮯ ﻣﺪﺕ‬
Main Plan ‫ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ‬
Takaful Benefit Rs. 840,000 ‫ﺗﮑﺎﻓﻞ ﻓﻮﺍﺋﺪ‬
Takaful Benefit Term (Years) 45 (‫ﻓﻮﺍﺋﺪ ﮐﯽ ﻣﺪﺕ )ﺳﺎﻝ‬

Application No. ‫ﺍﻟﺴﭩﺮﯾﺸﻦ ﻧﻤﺒﺮ‬ Page Number 1 ‫ﺻﻔﺤﮧ ﻧﻤﺒﺮ‬

Prepared on 19/11/2018 - 13:28 ‫ﺗﯿﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺦ‬ Total Pages 6 ‫ﮐﻞ ﺻﻔﺤﺎﺕ‬
Executor Code ‫ﺍﯾﮕﺰﯾﮑﯿﻮﭨﺮ ﮐﻮﮈ‬ TSNR 114 ‫ﭨﯽ ﺍﯾﺲ ﺍﯾﻦ ﺁﺭ‬
 ‫‪Applicant Copy‬‬

‫‪Illustrative Values:‬‬ ‫ﻓﻮﺍﺋﺪ ﮐﯽ ﺗﺼﺮﯾﺢ‬

‫‪Cumulative‬‬
‫‪Yearly Main‬‬ ‫‪6% p.a. Rate of Return‬‬ ‫‪8% p.a. Rate of Return 10% p.a. Rate of Return‬‬
‫‪Main Plan‬‬
‫‪Membership‬‬ ‫‪Plan Regular‬‬
‫‪Regular‬‬
‫‪Year‬‬ ‫‪Contributions‬‬
‫‪ 10‬ﻓﯿﺼﺪ ﺳﺎﻻﻧﮧ ﺷﺮﺡ ﻣﻨﺎﻓﻊ ‪ 8 /‬ﻓﯿﺼﺪ ﺳﺎﻻﻧﮧ ﺷﺮﺡ ﻣﻨﺎﻓﻊ ‪ /‬ﯾﻮﻧﭧ ‪ 6‬ﻓﯿﺼﺪ ﺳﺎﻻﻧﮧ ﺷﺮﺡ ﻣﻨﺎﻓﻊ ‪ /‬ﯾﻮﻧﭧ ﮐﯽ ‪Contributions‬‬
‫‪Paid‬‬ ‫ﺷﺮﺡ ﻧﻤﻮ‬ ‫ﮐﯽ ﺷﺮﺡ ﻧﻤﻮ‬ ‫ﯾﻮﻧﭧ ﮐﯽ ﺷﺮﺡ ﻧﻤﻮ‬
‫‪Paid‬‬
‫‪Main Plan‬‬
‫‪Main Plan‬‬ ‫‪Main Plan‬‬
‫‪Cash Value‬‬ ‫‪Cash Value‬‬ ‫‪Death‬‬ ‫‪Cash Value‬‬
‫‪Death Benefit‬‬ ‫‪Death Benefit‬‬
‫‪Benefit‬‬
‫ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﺎ ﮐﻞ ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﺎ ﺳﺎﻻﻧﮧ‬
‫ﻣﻤﺒﺮ ﺷﭗ ﮐﮯ ﺳﺎﻝ‬ ‫ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ‬
‫ﺍﺩﺍﺷﺪﮦ ﺯﺭ ﺗﻌﺎﻭﻥ‬ ‫ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﮯ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﮯ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﻓﻨﮉ ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﮯ ﺍﺩﺍ ﺷﺪﮦ ﺯﺭِ ﺗﻌﺎﻭﻥ‬
‫ﻓﻨﮉ ﮐﯽ‬
‫ﻓﻮﺍﺋﺪ ﻣﻮﺕ ﮐﯽ‬ ‫ﮐﯽ ﻣﻮﺟﻮﺩﮦ ﮐﻞ‬ ‫ﻓﻮﺍﺋﺪ ﻣﻮﺕ ﮐﯽ ﻓﻨﮉ ﮐﯽ ﻣﻮﺟﻮﺩﮦ ﻓﻮﺍﺋﺪ ﻣﻮﺕ ﮐﯽ‬
‫ﻣﻮﺟﻮﺩﮦ ﮐﻞ‬
‫ﺻﻮﺭﺕ ﻣﯿﮟ‬ ‫ﻣﺎﻟﯿّﺖ‬ ‫ﺻﻮﺭﺕ ﻣﯿﮟ‬ ‫ﮐﻞ ﻣﺎﻟﯿّﺖ‬ ‫ﺻﻮﺭﺕ ﻣﯿﮟ‬
‫ﻣﺎﻟﯿّﺖ‬
‫‪1‬‬ ‫‪56,000‬‬ ‫‪56,000‬‬ ‫‪840,000‬‬ ‫‪10,299‬‬ ‫‪840,000‬‬ ‫‪10,526‬‬ ‫‪840,000‬‬ ‫‪10,754‬‬
‫‪2‬‬ ‫‪56,000‬‬ ‫‪112,000‬‬ ‫‪840,000‬‬ ‫‪45,122‬‬ ‫‪840,000‬‬ ‫‪46,261‬‬ ‫‪840,000‬‬ ‫‪47,410‬‬
‫‪3‬‬ ‫‪56,000‬‬ ‫‪168,000‬‬ ‫‪840,000‬‬ ‫‪97,402‬‬ ‫‪840,000‬‬ ‫‪100,516‬‬ ‫‪840,000‬‬ ‫‪103,688‬‬
‫‪4‬‬ ‫‪56,000‬‬ ‫‪224,000‬‬ ‫‪840,000‬‬ ‫‪154,755‬‬ ‫‪840,000‬‬ ‫‪161,079‬‬ ‫‪840,000‬‬ ‫‪167,589‬‬
‫‪5‬‬ ‫‪56,000‬‬ ‫‪280,000‬‬ ‫‪840,000‬‬ ‫‪214,480‬‬ ‫‪840,000‬‬ ‫‪225,376‬‬ ‫‪840,000‬‬ ‫‪236,727‬‬
‫‪6‬‬ ‫‪56,000‬‬ ‫‪336,000‬‬ ‫‪840,000‬‬ ‫‪278,144‬‬ ‫‪840,000‬‬ ‫‪295,142‬‬ ‫‪840,000‬‬ ‫‪313,074‬‬
‫‪7‬‬ ‫‪56,000‬‬ ‫‪392,000‬‬ ‫‪840,000‬‬ ‫‪344,459‬‬ ‫‪840,000‬‬ ‫‪369,250‬‬ ‫‪840,000‬‬ ‫‪395,738‬‬
‫‪8‬‬ ‫‪56,000‬‬ ‫‪448,000‬‬ ‫‪840,000‬‬ ‫‪413,548‬‬ ‫‪840,000‬‬ ‫‪447,991‬‬ ‫‪840,000‬‬ ‫‪485,275‬‬
‫‪9‬‬ ‫‪56,000‬‬ ‫‪504,000‬‬ ‫‪840,000‬‬ ‫‪485,543‬‬ ‫‪840,000‬‬ ‫‪531,688‬‬ ‫‪840,000‬‬ ‫‪582,307‬‬
‫‪10‬‬ ‫‪56,000‬‬ ‫‪560,000‬‬ ‫‪840,000‬‬ ‫‪560,590‬‬ ‫‪840,000‬‬ ‫‪620,694‬‬ ‫‪840,000‬‬ ‫‪687,521‬‬
‫‪15‬‬ ‫‪56,000‬‬ ‫‪840,000‬‬ ‫‪987,153‬‬ ‫‪987,153‬‬ ‫‪1,157,885‬‬ ‫‪1,157,885‬‬ ‫‪1,360,848‬‬ ‫‪1,360,848‬‬
‫‪20‬‬ ‫‪0‬‬ ‫‪840,000‬‬ ‫‪1,186,672‬‬ ‫‪1,186,672‬‬ ‫‪1,540,792‬‬ ‫‪1,540,792‬‬ ‫‪1,998,432‬‬ ‫‪1,998,432‬‬
‫‪25‬‬ ‫‪0‬‬ ‫‪840,000‬‬ ‫‪1,414,894‬‬ ‫‪1,414,894‬‬ ‫‪2,044,002‬‬ ‫‪2,044,002‬‬ ‫‪2,934,698‬‬ ‫‪2,934,698‬‬
‫‪30‬‬ ‫‪0‬‬ ‫‪840,000‬‬ ‫‪1,669,303‬‬ ‫‪1,669,303‬‬ ‫‪2,701,991‬‬ ‫‪2,701,991‬‬ ‫‪4,309,548‬‬ ‫‪4,309,548‬‬
‫‪35‬‬ ‫‪0‬‬ ‫‪840,000‬‬ ‫‪1,942,267‬‬ ‫‪1,942,267‬‬ ‫‪3,557,278‬‬ ‫‪3,557,278‬‬ ‫‪6,328,401‬‬ ‫‪6,328,401‬‬
‫‪40‬‬ ‫‪0‬‬ ‫‪840,000‬‬ ‫‪2,217,668‬‬ ‫‪2,217,668‬‬ ‫‪4,661,192‬‬ ‫‪4,661,192‬‬ ‫‪9,292,874‬‬ ‫‪9,292,874‬‬
‫‪Maturity Y.‬‬ ‫‪0‬‬ ‫‪840,000‬‬ ‫‪2,465,711‬‬ ‫‪2,465,711‬‬ ‫‪6,073,876‬‬ ‫‪6,073,876 13,645,826 13,645,826‬‬
‫‪Inflation-adjusted Cumulative‬‬
‫‪Membership‬‬ ‫‪3% p.a. inflation-adjusted rate4% p.a. inflation-adjusted 5% p.a. inflation-adjusted‬‬
‫‪Regular Contributions for‬‬
‫‪Year‬‬ ‫‪of return‬‬ ‫‪rate of return‬‬ ‫‪rate of return‬‬
‫‪Main Plan‬‬
‫ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﺎ ﮐﻞ ﺍﺩﺍ ﺷﺪﮦ ﺯﺭِ ﺗﻌﺎﻭﻥ‬ ‫ﺷﺮﺡ ﻣﻨﺎﻓﻊ ‪ /‬ﯾﻮﻧﭧ ﮐﯽ ﺷﺮﺡ ﻧﻤﻮ ﺷﺮﺡ ﻣﻨﺎﻓﻊ ‪ /‬ﯾﻮﻧﭧ ﮐﯽ ﺷﺮﺡ ﻧﻤﻮ ‪ 4%‬ﺷﺮﺡ ﻣﻨﺎﻓﻊ ‪ /‬ﯾﻮﻧﭧ ﮐﯽ ﺷﺮﺡ ﻧﻤﻮ ‪3%‬‬
‫ﻣﻤﺒﺮ ﺷﭗ ﮐﮯ ﺳﺎﻝ‬
‫ﺍﻓﺮﺍﻁ ﺯﺭ ﻣﻨﮩﺎ ﮐﺮﮐﮯ‬ ‫ﺍﻓﺮﺍﻁ ﺯﺭ ﻣﻨﮩﺎ ﮐﺮﮐﮯ‬ ‫ﺍﻓﺮﺍﻁ ﺯﺭ ﻣﻨﮩﺎ ﮐﺮﮐﮯ‬ ‫‪ 5%‬ﺍﻓﺮﺍﻁ ﺯﺭ ﻣﻨﮩﺎ ﮐﺮﮐﮯ‬
‫‪Maturity Year‬‬
‫‪653,588‬‬ ‫‪677,413‬‬ ‫‪677,413‬‬ ‫‪1,111,469‬‬ ‫‪1,111,469‬‬ ‫‪1,682,083‬‬ ‫‪1,682,083‬‬
‫ﺗﮑﻤﯿﻞ ﮐﺎ ﺳﺎﻝ‬

‫‪Application No.‬‬ ‫ﺍﻟﺴﭩﺮﯾﺸﻦ ﻧﻤﺒﺮ‬ ‫‪Page Number‬‬ ‫‪2‬‬ ‫ﺻﻔﺤﮧ ﻧﻤﺒﺮ‬

‫‪Prepared on‬‬ ‫‪19/11/2018 - 13:28‬‬ ‫ﺗﯿﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺦ‬ ‫‪Total Pages‬‬ ‫‪6‬‬ ‫ﮐﻞ ﺻﻔﺤﺎﺕ‬
‫‪Executor Code‬‬ ‫ﺍﯾﮕﺰﯾﮑﯿﻮﭨﺮ ﮐﻮﮈ‬ ‫‪TSNR‬‬ ‫‪114‬‬ ‫ﭨﯽ ﺍﯾﺲ ﺍﯾﻦ ﺁﺭ‬
 Applicant Copy

Notes: :‫ﺍﮨﻢ ﻧﮑﺎﺕ‬

Year-wise Unit Allocation Table & Year 6
Year 1 Year 2 Year 3 Year 4 Year 5
Charge Structure Onwards
‫ﭼﮭﭩﮯ ﺳﺎﻝ‬
‫ﯾﻮﻧﭩﺲ ﻣﯿﮟ ﺍﺿﺎﻓﮯ ﮐﯽ ﺳﺎﻻﻧﮧ ﺷﺮﺡ ﺍﻭﺭ ﻓﯿﺲ ﮐﺎﺧﺎﮐﮧ‬ ‫ﭘﮩﻼ ﺳﺎﻝ‬ ‫ﺩﻭﺳﺮﺍ ﺳﺎﻝ‬ ‫ﺗﯿﺴﺮﺍ ﺳﺎﻝ‬ ‫ﭼﻮﺗﮭﺎ ﺳﺎﻝ‬ ‫ﭘﺎﻧﭽﻮﺍﮞ ﺳﺎﻝ‬
‫ﺍﻭﺭ ﺍﺳﮑﮯ ﺑﻌﺪ‬
Unit Allocation Percentage
23.2% 65% 92.5% 97.5% 97.5% 100%
‫ﯾﻮﻧﭧ ﺍﯾﻠﻮﮐﯿﺸﻦ ﮐﯽ ﻓﯿﺼﺪ‬
Acquisition, Entrance & Stamp Fees
76.8% 35% 7.5% 2.5% 2.5% 0%
‫ ﺍﻧﺪﺭﺍﺝ ﺍﻭﺭ ﺍﺳﭩﯿﻤﭗ ﭼﺎﺭﺝ‬، ‫ﺣﺼﻮﻝ‬

 The detail of how the Acquisition and Entrance fees are deducted ‫ ﭼﺎﺭﺝ ﮐﯽ ﻭﺻﻮﻟﯽ ﮐﺎ ﺗﻔﺼﯿﻠﯽ ﻃﺮﯾﻘﮧ ﮐﺎﺭ ﺷﺮﯾﮏ ﺗﮑﺎﻓﻞ‬/‫ﺣﺼﻮﻝ ﺍﻭﺭ ﺍﻧﺪﺭﺍﺝ ﮐﯽ ﻓﯿﺲ‬ 
is provided in the Participant Membership Document. ‫ﮐﮯ ﻣﻤﺒﺮﺷﭗ ﮐﯽ ﺩﺳﺘﺎﻭﯾﺰﺍﺕ)ﭘﯽ ﺍﯾﻢ ﮈﯼ( ﻣﯿﮟ ﻣﻮﺟﻮﺩ ﮨﮯ۔‬

 A Membership Administration fee in an initial amount of ‫ ﺍﻧﺘﻄﺎﻣﯽ ﻓﯿﺲ ﮐﯽ ﻣﺪ ﻣﯿﮟ ﻭﺻﻮﻝ ﮐﺌﮯ ﺟﺎﺋﯿﮟ ﮔﮯ۔ ﺍﻧﺘﻄﺎﻣﯽ ﻓﯿﺲ ﻣﻨﺪﺭﺟﮧ‬Rs.175 ‫ﮨﺮ ﻣﺎﮦ‬ 
Rs. 175, increasing by 8.0% p.a. on each Membership ‫ ﺳﮯ ﺑﮍﮬﺎﮐﺮ ﺩﮐﮭﺎﺋﯽ ﮔﺌﯽ ﮨﮯ‬%8.0 ‫ﺑﺎﻻ ﻓﻮﺍﺋﺪ ﮐﯽ ﺗﺼﺮﯾﺢ ﮐﮯ ﻟﯿﮯ ﮨﺮ ﺳﺎﻝ‬
anniversary will be deducted on a monthly basis.
 An Investment Management Fee equal to 1.5% of p.a. Cash ‫ ﺳﺎﻻﻧﮧ ﮐﺎ ﺍﻃﻼﻕ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﮐﯽ ﺍﺻﻞ ﻗﺪﺭ‬%1.5 ‫ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﻓﯿﺲ ﮐﯽ ﻣﺪ ﻣﯿﮟ‬ 
Value. ‫( ﭘﺮﮨﻮﮔﺎ۔‬Net Asset Value)
 A Takaful Donation will be deducted each month in order to ‫ﺗﮑﺎﻓﻞ ﮐﺎﺯﺭِﺗﻌﺎﻭﻥ ﺫﮐﺮ ﮐﺮﺩﮦ ﻓﻮﺍﺋﺪِ ﺗﮑﺎﻓﻞ ﮐﮯ ﻣﻄﺎﺑﻖ ﮨﺮﻣﺎﮦ ﻭﺻﻮﻝ ﮐﯿﺎ ﺟﺎﺋﮯ ﮔﺎ۔ ﯾﮧ ﻣﻤﺒﺮ‬ 
provide the Takaful Benefits Covered. It is an age based charge ‫ﮐﯽ ﻋﻤﺮ ﺍﻭﺭ ﺗﮑﺎﻓﻞ ﺳﮯ ﻣﻠﻨﮯ ﻭﺍﻟﮯ ﻓﻮﺍﺋﺪ ﮐﯽ ﺑﻨﯿﺎﺩ ﭘﺮ ﻭﺻﻮﻝ ﮐﯿﺎ ﺟﺎﺗﺎ ﮨﮯ۔ﺟﮩﺎﮞ ﺗﮑﺎﻓﻞ‬
dependent on the Takaful Benefits Covered. No charge applies ‫ﮐﮯ ﻓﻮﺍﺋﺪ ﻧﮧ ﻟﯿﮯ ﺟﺎﺭﮨﮯ ﮨﻮﮞ ﻭﮨﺎﮞ ﯾﮧ ﻓﯿﺲ ﻭﺻﻮﻝ ﻧﮩﯿﮟ ﮐﯽ ﺟﺎﺗﯽ۔‬
where there is no Takaful Benefits Covered.
 The “Cumulative Regular Contributions paid to date for Main ‫"ﺑﻨﯿﺎﺩﯼ ﭘﻼﻥ ﮐﯽ ﻣﻘﺮﺭﮦ ﺗﺎﺭﯾﺦ ﭘﺮ ﺍﺩﺍﮐﺮﺩﮦ ﻣﺠﻤﻮﻋﯽ ﻣﺴﺘﻘﻞ ﺯﺭِﺗﻌﺎﻭﻥ " ﺟﻮ ﮐﮧ ﭼﺎﺭﭦ ﻣﯿﮟ‬ 
Plan” mentioned in the table above is net of contributions ‫ﺫﮐﺮﮐﯿﮯﮔﺌﮯ ﻭﮦ ﺍﺿﺎﻓﯽ ﻓﻮﺍﺋﺪ )ﺍﮔﺮ ﻻﮔﻮ ﮨﻮﮞ( ﮐﮯ ﻟﺌﮯ ﻗﺎﺑﻞِ ﺍﺩﺍﺋﯿﮕﯽ ﺯﺭِﺗﻌﺎﻭﻥ ﮐﮯ ﻋﻼﻭﮦ‬
pertaining to Additional Benefits Payable, if applicable. ‫ﮨﯿﮟ۔‬
 The rate of return assumptions mentioned in the table(s) above ‫ﻓﻨﮉﮐﮯ ﺍﻧﺘﻈﺎﻡ ﻭ ﺍﻧﺼﺮﺍﻡ ﮐﯽ ﻓﯿﺲ ﮐﮯ‬، ‫ﺍﻭﭘﺮﭼﺎﺭﭦ ﻣﯿﮟ ﺫﮐﺮ ﮐﺮﺩﮦ ﻧﻔﻊ ﮐﯽ ﺗﺨﻤﯿﻨﯽ ﺷﺮﺡ‬ 
are before deduction of the Fund Investment Management ‫ﻋﻼﻭﮦ ﮨﮯ۔ﯾﮧ ﻓﯿﺲ ﻧﻔﻊ ﮐﯽ ﺗﺨﻤﯿﻨﯽ ﺷﺮﺡ ﺳﮯ ﻣﻨﺪﺭﺟﮧ ﺑﺎﻻ ﻭﺿﺎﺣﺘﯽ ﻭﯾﻠﯿﻮﺯ ﮐﮯ ﺗﻌﯿﻦ‬
charges. These charges have been deducted from the rate of ‫ﺳﮯ ﭘﮩﻠﮯ ﻭﺻﻮﻝ ﮐﯽ ﺟﺎ ﭼﮑﯽ ﮨﯿﮟ ۔‬
return assumptions prior to determining the Illustrative Values in
the table(s) above.
 The Cash Values given above are based on assumptions. The ‫ﻣﻨﺪﺭﺟﮧ ﺑﺎﻻ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﺍﮐﺎﺅﻧﭧ ﮐﯽ ﻣﺎﻟﯿّﺖ ﻓﺮﺿﯽ ﮨﮯ۔ ﺍﺻﻞ ﻣﺎﻟﯿّﺖ ﺍﺱ ﺳﮯ ﮐﻢ ﯾﺎ‬ 
actual values can be higher or lower than the ones illustrated ‫ﺯﯾﺎﺩﮦ ﮨﻮ ﺳﮑﺘﯽ ﮨﮯ۔ﺍﺱ ﮐﺎ ﺩﺍﺭﻭﻣﺪﺍﺭ ﮐﻤﭙﻨﯽ ﮐﯽ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﭘﺮ ﻣﻨﺤﺼﺮ ﮨﮯ۔‬
above depending upon the performance of the underlying
investments of the Company.
 Cash Values given above are net of all charges. ‫ـ ﺍﻭﭘﺮ ﺩﯼ ﮔﺌﯽ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﻓﻨﮉ ﮐﯽ ﮐﻞ ﻣﺎﻟﯿّﺖ ﺗﻤﺎﻡ ﺍﺧﺮﺍﺟﺎﺕ ﻣﻨﮩﺎ ﮐﺮﻧﮯ ﮐﮯ ﺑﻌﺪ ﺣﺎﺻﻞ‬ 
‫ﮐﯽ ﮔﺌﯽ ﮨﮯ۔‬
 The Illustrative Values are subject to an advance income tax on ‫ ﺟﻮ ﮐﮧ ﻧﺎﻥ ﻓﺎﺋﻠﺮﺯ‬،‫ ﺍﯾﮉﻭﺍﻧﺲ ﺍﻧﮑﻢ ﭨﯿﮑﺲ ﮐﮯ ﺳﺎﺗﮫ ﻣﺸﺮﻭﻁ ﮬﯿﮟ‬،‫ﺍﻟﺴﮍﯾﺸﻦ ﻣﯿﮟ ﺩﺭﺝ ﻭﯾﻠﯿﻮﺯ‬ 
non-filers asper the terms and conditions set in section 236 (U) ‫ ﮐﮯ ﺗﺤﺖ‬236 (U) ‫ ﺳﯿﮑﺸﻦ‬،2001 ،‫ ﺳﮯ ﺍﻧﮑﻢ ﭨﯿﮑﺲ ﺁﺭﮈﯾﻨﻨﺲ‬2016 ‫ﭘﺮ ﯾﮑﻢ ﺟﻮﻻﺋﯽ‬
of Income Tax Ordinance 2001 effective 1st July, 2016.
‫ﻻﮔﻮ ﮨﮯ‬
 This is an approved illustration of the Company. Any other ‫ ﺍﻭﺭ ﮐﻮﺋﯽ ﺗﺼﺮﯾﺢ ﺟﻮ ﺍﺱ ﺗﺼﺮﯾﺢ ﺳﮯ ﻣﻄﺎﺑﻘﺖ‬،‫ـ ﯾﮧ ﮐﻤﭙﻨﯽ ﮐﯽ ﻣﻨﻈﻮﺭ ﺷﺪﮦ ﺗﺼﺮﯾﺢ ﮨﮯ‬ 
illustration which contradicts this illustration should not be given ‫ ﻗﺎﺑﻞ ﺗﻮﺟﮧ ﻧﮩﯿﮟ ﮨﮯ ﺍﻭﺭ ﺍﺳﮑﯽ ﺍﻃﻼﻉ ﮐﻤﭙﻨﯽ ﮐﻮﺩﯼ ﺟﺎﺋﮯ۔‬،‫ﻧﮧ ﺭﮐﮭﺘﯽ ﮨﻮ‬
any consideration and should be reported to the Company.

Application No. ‫ﺍﻟﺴﭩﺮﯾﺸﻦ ﻧﻤﺒﺮ‬ Page Number 3 ‫ﺻﻔﺤﮧ ﻧﻤﺒﺮ‬

Prepared on 19/11/2018 - 13:28 ‫ﺗﯿﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺦ‬ Total Pages 6 ‫ﮐﻞ ﺻﻔﺤﺎﺕ‬
Executor Code ‫ﺍﯾﮕﺰﯾﮑﯿﻮﭨﺮ ﮐﻮﮈ‬ TSNR 114 ‫ﭨﯽ ﺍﯾﺲ ﺍﯾﻦ ﺁﺭ‬

Investment Policy
1. Objectives
The objective of the investment is to enhance the real returns
through a well-diversified, prudently invested portfolio while
considering participants’ need, regulatory restrictions and overall
investment strategy of Pak-Qatar Family Takaful Limited
(PQFTL). The parameters defined in this policy would cater to
effective and timely decision making and would help ameliorate
returns on the surplus funds.
2. Asset Mix
PQFTL has an active management style, using the fundamental
analysis to determine asset allocation, and to select securities within
asset classes. The Company believes in utilizing all information
sources available at any point in time, including market information,
in order to form informed views on the prospects of the markets and
individual securities. The target asset mix of our funds in the
following asset classes:
A. Shariah Compliant Equities:
A stock or any other security representing an ownership interest.
B. Certificate of Islamic Investment by Islamic Banks or
Modaraba Institutions/Islamic Banks Saving Accounts Deposits:
Funds placed in saving accounts of Islamic Banks or deposited with
them for a fixed tenor.
C. Fixed Income Securities by Government or Corporate
entities (Sukuks):
An Islamic financial certificate. The issuer of a Sukuk sells an
investor group the certificate, who then rents it back to the issuer for
a predetermined rental fee. The issuer also makes a contractual
promise to buy back the bonds at a future date at par value.
D. Mutual Funds:
An investment vehicle that is made up of a pool of funds collected
from many investors for the purpose of investing in securities such
as stocks, bonds, money market instruments and similar assets.
Mutual funds are operated by money managers, who invest the
fund's capital and attempt to produce capital gains and income for
the fund's investors.
E. Any other shariah compliant avenue.
Application No. ‫ﺍﻟﺴﭩﺮﯾﺸﻦ ﻧﻤﺒﺮ‬
Prepared on 19/11/2018 - 13:28 ‫ﺗﯿﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺦ‬
Executor Code ‫ﺍﯾﮕﺰﯾﮑﯿﻮﭨﺮ ﮐﻮﮈ‬
Applicant Copy
‫ﺣﮑﻤﺖِ ﻋﻤﻠﯽ ﺑﺮﺍﺋﮯ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ‬
‫ ﻣﻘﺎﺻﺪ‬-1
‫ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﮐﺎ ﻣﻘﺼﺪ ﻣﺤﺘﺎﻁ ﺍﻭﺭ ﻣﺘﻨﻮﻉ ﺍﻧﻮﺳﭩﻤﻨﭧ ﭘﻮﺭﭦ ﻓﻮﻟﯿﻮ ﮐﮯ ﺫﺭﯾﻌﮧ ﺷﺮﮐﺎﺀ ﮐﯽ‬
‫ ﺭﯾﮕﻮﻟﯿﭩﺮ ﮐﯽ ﭘﺎﺑﻨﺪﯾﻮﮞ ﺍﻭﺭ ﭘﺎﮎ ﻗﻄﺮ ﻓﯿﻤﻠﯽ ﺗﮑﺎﻓﻞ ﻟﻤﯿﭩﮉ ﮐﯽ ﻣﺠﻤﻮﻋﯽ ﺳﺮﻣﺎﯾﮧ‬،‫ﺿﺮﻭﺭﺕ‬
‫ﮐﺎﺭﯼ ﮐﯽ ﺣﮑﻤﺖِ ﻋﻤﻠﯽ ﮐﻮ ﻣﺪِّﻧﻈﺮ ﺭﮐﮭﺘﮯ ﮨﻮﺋﮯ ﺣﻘﯿﻘﯽ ﺭﯾﭩﺮﻧﺰ ﮐﯽ ﻗﺪﺭ ﻣﯿﮟ ﺍﺿﺎﻓﮧ ﺍﻭﺭ‬
‫ﺑﮩﺘﺮﯼ ﻻﻧﺎ ﮨﮯ ۔‬
‫ ﺍﺛﺎﺛﮧ ﮐﯽ ﺩﺭﺟﮧ ﺑﻨﺪﯼ‬-2
‫ﭘﺎﮎ ﻗﻄﺮ ﻓﯿﻤﻠﯽ ﺗﮑﺎﻓﻞ ﻟﻤﯿﭩﮉ ﺍﺛﺎﺛﮧ ﺟﺎﺕ ﮐﯽ ﺩﺭﺟﮧ ﺑﻨﺪﯼ ﮐﮯ ﺩﺍﺋﺮﮦ ﻣﯿﮟ ﺍﺛﺎﺛﮧ ﺟﺎﺕ ﮐﮯ‬
‫ ﺍﻭﺭ ﺳﯿﮑﻮﺭﯾﭩﯿﺮ ﮐﻮ ﻣﻨﺘﺨﺐ ﮐﺮﻧﮯ ﮐﮯﻟﺌﮯ ﺑﻨﯿﺎﺩﯼ ﺗﺠﺰﯾﮧ ﮐﻮ ﺍﺳﺘﻌﻤﺎﻝ ﮐﺮﻧﮯ ﮐﺎ‬،‫ﺗﻌﯿﯿﻦ‬
‫ﺍﯾﮏ ﻓﻌﺎﻝ ﻣﯿﻨﺠﻤﻨﭧ ﺍﺳﭩﺎﺋﻞ ﺭﮐﮭﺘﯽ ﮨﮯ۔ﮐﻤﭙﻨﯽ ﮨﺮ ﻣﻮﻗﻊ ﭘﺮ ﺍﺱ ﻭﻗﺖ ﺍﭘﻨﮯ ﺗﻤﺎﻡ ﻣﯿﺴّﺮ‬
‫ﻣﻌﻠﻮﻣﺎﺕ ﮐﮯ ﺫﺭﺍﺋﻊ ﺑﺸﻤﻮﻝ ﻣﺎﺭﮐﯿﭧ ﮐﯽ ﻣﻌﻠﻮﻣﺎﺕ ﮐﻮ ﻣﺎﺭﮐﯿﭧ ﺍﻭﺭ ﺍﻧﻔﺮﺍﺩﯼ ﺳﯿﮑﯿﻮﺭﯾﭩﯿﺰ‬
‫ﮐﮯ ﺍﻣﮑﺎﻧﺎﺕ ﭘﺮﻣﺒﻨﯽ ﺣﺎﺻﻞ ﺷﺪﮦ ﺧﯿﺎﻻﺕ ﮐﯽ ﺗﺸﮑﯿﻞ ﮐﮯ ﻟﺌﮯ ﺍﺳﺘﻌﻤﺎﻝ ﮐﺮﻧﮯ ﻣﯿﮟ ﯾﻘﯿﻦ‬
‫ﺭﮐﮭﺘﯽ ﮨﮯ۔ ﺍﺛﺎﺛﮧ ﮐﯽ ﺩﺭﺟﮧ ﺑﻨﺪﯼ ﻣﻨﺪﺭﺟﮧ ﺫﯾﻞ ﺍﺛﺎﺛﮧ ﮐﮯ ﺩﺭﺟﺎﺕ ؍ﻃﺒﻘﺎﺕ ﻣﯿﮟ ﮐﯽ ﺟﺎﺋﮯ‬
:‫ﮔﺌﯽ‬
:‫ ﺷﺮﯾﻌﮧ ﮐﻤﭙﻼﺋﻨﭧ ﺍﯾﮑﻮﯾﭩﯿﺰ‬:‫ﺍﻟﻒ‬
‫ﺍﺳﭩﺎﮎ ﯾﺎ ﻣﺎﻟﮑﺎﻧﮧ ﻣﻔﺎﺩ ﮐﯽ ﻧﻤﺎﺋﻨﺪﮔﯽ ﮐﺮﻧﮯ ﻭﺍﻟﯽ ﮐﻮﺋﯽ ﺑﮭﯽ ﺳﯿﮑﯿﻮﺭﭨﯽ۔‬
‫ﺏ۔ ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﯾﺎ ﻣﻀﺎﺭﺑﮧ ﺍﺩﺍﺭﻭﮞ ﮐﮯ ﺟﺎﺭﯼ ﮐﺮﺩﮦ ﺍﺳﻼﻣﮏ ﺍﻧﻮﺳﭩﻤﻨﭧ ﺳﺮﭨﯿﻔﯿﮑﯿﭧ؍‬
:‫ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﮐﮯ ﺳﯿﻮﻧﮓ ﺍﮐﺎﺅﻧﭧ ﮐﮯ ﮈﯾﭙﺎﺯﭨﺲ‬
‫ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﮐﮯ ﺳﯿﻮﻧﮓ ﺍﮐﺎﺅﻧﭧ ﻣﯿﮟ ﺭﮐﮭﯽ ﮔﺌﮯ ﻓﻨﮉﺯ ﯾﺎ ﺍﻥ ﮐﮯ ﭘﺎﺱ ﺍﯾﮏ ﻣﻘﺮﺭ‬
‫ﻣﺪﺕ ﮐﮯ ﻟﺌﮯ ﺭﮐﮭﮯ ﮔﺌﮯ ﮈﯾﭙﺎﺯﭦ۔‬
:(‫ﺝ۔ ﺣﮑﻮﻣﺖ ﯾﺎ ﮐﺎﺭﭘﻮﺭﯾﭧ ﺍﺩﺍﺭﻭﮞ ﮐﮯ ﻓﮑﺴﮉ ﺁﻣﺪﻥ ﺳﯿﮑﯿﻮﺭﭨﯿﺰ )ﺻﮑﻮﮎ‬
‫ﺍﯾﮏ ﺍﺳﻼﻣﯽ ﻣﺎﻟﯿﺎﺗﯽ ﺳﺮﭨﯿﻔﯿﮑﯿﭧ۔ ﺻﮑﻮﮎ ﮐﺎ ﻓﺮﺍﮨﻢ ﮐﻨﻨﺪﮦ ﺍﯾﮏ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﻭﮞ ﮐﮯ ﺍﯾﺴﮯ‬
‫ﮔﺮﻭﭖ ﮐﻮ ﺻﮑﻮﮎ ﺑﯿﭽﺘﺎ ﮨﮯ ﺟﻮ ﻓﺮﺍﮨﻢ ﮐﻨﻨﺪﮦ ﮐﻮ ﻭﺍﭘﺲ ﺍﯾﮏ ﭘﮩﻠﮯ ﺳﮯ ﻣﻘﺮﺭ ﮐﺮﺍﯾﮧ‬
‫)ﺭﯾﻨﭩﻞ ﻓﯿﺲ( ﮐﮯ ﻋﻮﺽ ﻭﺍﭘﺲ ﮐﺮﺗﺎ ﮨﮯ۔ﻓﺮﺍﮨﻢ ﮐﻨﻨﺪﮦ ﺻﮑﻮﮎ ﺧﺮﯾﺪﻧﮯ ﻭﺍﻟﻮﮞ ﺳﮯ ﺍﻥ‬
‫ﺻﮑﻮﮎ ﮐﻮ ﻣﺴﺘﻘﺒﻞ ﻣﯿﮟ ﺍُﻥ ﮐﯽ ﺍﺱ ﻭﻗﺖ ﮐﯽ ﻗﯿﻤﺖ ﭘﺮ ﻭﺍﭘﺲ ﺧﺮﯾﺪﻧﮯ ﮐﺎ ﻭﻋﺪﮦ ﺑﮭﯽ‬
‫ﮐﺮﺗﺎ ﮨﮯ ۔‬
:‫ﻣﯿﻮﭼﻞ ﻓﻨﮉﺯ‬- ‫ﺩ‬
‫ﻣﯿﻮﭼﻞ ﻓﻨﮉ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﮐﺎ ﺍﯾﺴﺎ ﺫﺭﯾﻌﮧ ﮨﮯ ﺟﺲ ﻣﯿﮟ ﻣﺨﺘﻠﻒ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﻭﮞ ﺳﮯ ﻓﻨﮉﺯ‬
،‫ﺍﯾﮏ ﭘﻮﻝ ﻣﯿﮟ ﺟﻤﻊ ﮐﺌﮯ ﺟﺎﺗﮯ ﮨﯿﮟ ﺗﺎﮐﮧ ﺍﻥ )ﻓﻨﮉﺯ( ﮐﯽ ﺳﯿﮑﯿﻮﺭﭨﯿﺰ ﺟﯿﺴﮯ ﺍﺳﭩﺎﮎ‬
‫ ﻣﻨﯽ ﻣﺎﺭﮐﯿﭧ ﮐﮯ ﺫﺭﺍﺋﻊ ﺍﻭﺭ ﺍﻥ ﺳﮯ ﻣﻠﺘﮯ ﺟﻠﺘﮯ ﺍﺛﺎﺛﮧ ﺟﺎﺕ ﻣﯿﮟ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ‬،‫ﺑﻮﻧﮉﺯ‬
‫ﮐﯽ ﺟﺎﺋﮯ۔ﻣﯿﻮﭼﻞ ﻓﻨﮉﺯ ﮐﻮ ﻭﮦ ﻣﻨﯽ ﻣﯿﻨﯿﺠﺮ ﭼﻼﺗﮯ ﮨﯿﮟ ﺟﻮ ﻓﻨﮉ ﮐﯽ ﺍﺻﻞ ﺭﻗﻢ ﮐﯽ ﺳﺮﻣﺎﯾﮧ‬
‫ ﺍﻭﺭ ﻓﻨﮉﺭ ﮐﯽ ﺑﮍﮬﻮﺗﺮﯼ ﺍﻭﺭ ﻓﻨﮉﺯ ﮐﮯ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﻭﮞ ﮐﯽ ﺁﻣﺪﻥ ﮐﮯ‬،‫ﮐﺎﺭﯼ ﮐﺮﺗﮯ ﮨﯿﮟ‬
‫ﻟﺌﮯ ﮐﻮﺷﺶ ﮐﺮﺗﮯ ﮨﯿﮟ۔‬
:‫ﺫ۔ ﺩﯾﮕﺮ ﺷﺮﻋﯽ ﻣﻮﺍﻗﻊ‬
Page Number 4 ‫ﺻﻔﺤﮧ ﻧﻤﺒﺮ‬
Total Pages 6 ‫ﮐﻞ ﺻﻔﺤﺎﺕ‬
TSNR 114 ‫ﭨﯽ ﺍﯾﺲ ﺍﯾﻦ ﺁﺭ‬
 Applicant Copy

Investment Strategies

Banca Growth Fund ‫ﺑﯿﻨﮑﺎ ﮔﺮﻭﺗﮫ ﻓﻨﮉ‬

Min Max
Asset Class ‫ﺍﺛﺎﺛﮧ ﮐﯽ ﺩﺭﺟﮧ ﺑﻨﺪﯼ‬
‫ﮐﻢ ﺍﺯ ﮐﻢ‬ ‫ﺯﯾﺎﺩﮦ ﺳﮯ ﺯﯾﺎﺩﮦ‬
Sharia Compliant Listed Equities 0% 50% ‫ﺍﯾﮑﻮﯾﭩﯿﺰﻟﺴﭩﮉ‬ ‫ﺷﺮﯾﻌﮧ ﮐﻤﭙﻼﺋﻨﭧ‬
Certificate of Investment by Islamic Banks or ‫ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﯾﺎ ﻣﻀﺎﺭﺑﮧ ﺍﺩﺍﺭﻭﮞ ﮐﮯ ﺟﺎﺭﯼ ﮐﺮﺩﮦ ﺍﺳﻼﻣﮏ‬
Mudarba Institutions/ Islamic Banks Saving 20% 90% ‫ﺍﻧﻮﺳﭩﻤﻨﭧ ﺳﺮﭨﯿﻔﯿﮑﯿﭧ؍ ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﮐﮯ ﺳﯿﻮﻧﮓ ﺍﮐﺎﺅﻧﭧ‬
Accounts Deposits ‫ﮐﮯ ﮈﯾﭙﺎﺯﭨﺲ‬
Fixed Income Securities by Government or -‫ﺣﮑﻮﻣﺖ ﯾﺎ ﮐﺎﺭﭘﻮﺭﯾﭧ ﺍﺩﺍﺭﻭﮞ ﮐﮯ ﻓﮑﺴﮉ ﺁﻣﺪﻥ ﺳﯿﮑﻮﺭﭨﯿﺰ‬
20% 70%
Corporate entities(Sukuks) ‫ﺻﮑﻮﮎ‬
Mutual Funds 0% 50% ‫ﻣﯿﻮﭼﻞ ﻓﻨﮉﺯ‬

Banca Conservative Fund ‫ﺑﯿﻨﮑﺎ ﮐﻨﺰﺭﻭﯾﭩﻮ ﻓﻨﮉ‬

Min Max
Asset Class ‫ﺍﺛﺎﺛﮧ ﮐﯽ ﺩﺭﺟﮧ ﺑﻨﺪﯼ‬
‫ﮐﻢ ﺍﺯ ﮐﻢ‬ ‫ﺯﯾﺎﺩﮦ ﺳﮯ ﺯﯾﺎﺩﮦ‬
Sharia Compliant Listed Equities 0% 0% ‫ﺷﺮﯾﻌﮧ ﮐﻤﭙﻼﺋﻨﭧ ﻟﺴﭩﮉ ﺍﯾﮑﻮﯾﭩﯿﺰ‬
Certificate of Investment by Islamic Banks or ‫ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﯾﺎ ﻣﻀﺎﺭﺑﮧ ﺍﺩﺍﺭﻭﮞ ﮐﮯ ﺟﺎﺭﯼ ﮐﺮﺩﮦ ﺍﺳﻼﻣﮏ‬
Mudarba Institutions/ Islamic Banks Saving 25% 75% ‫ﺍﻧﻮﺳﭩﻤﻨﭧ ﺳﺮﭨﯿﻔﯿﮑﯿﭧ؍ ﺍﺳﻼﻣﯽ ﺑﯿﻨﮑﻮﮞ ﮐﮯ ﺳﯿﻮﻧﮓ ﺍﮐﺎﺅﻧﭧ‬
Accounts Deposits ‫ﮐﮯ ﮈﯾﭙﺎﺯﭨﺲ‬
Fixed Income Securities by Government or -‫ﺣﮑﻮﻣﺖ ﯾﺎ ﮐﺎﺭﭘﻮﺭﯾﭧ ﺍﺩﺍﺭﻭﮞ ﮐﮯ ﻓﮑﺴﮉ ﺁﻣﺪﻥ ﺳﯿﮑﻮﺭﭨﯿﺰ‬
25% 65%
Corporate entities(Sukuks) ‫ﺻﮑﻮﮎ‬
Mutual Funds 0% 50% ‫ﻣﯿﻮﭼﻞ ﻓﻨﮉﺯ‬

Asset allocation between the given range and among asset classes in
diversified portfolios remains the responsibility of the Management
Investment Committee of PQFTL.
The purpose of introducing various Strategies is to provide investors
a one-window facility to invest in diversified portfolio of equity /
income / debt securities offering stable returns and growth.
Consistent with this policy, the various strategies will invest the
amount raised through Takaful contributions in a diversified
portfolio based on above targeted mix.
The Company may also hold assets in form of cash deposits with
banks or Financial Institutions with the object of maintaining
sufficient liquidity to meet the redemption requirements and to take
advantage of suitable investment opportunities as and when they
arise.
Disclaimer: Past performance is not indicative of future
performance. Market volatility can significantly affect short-
term performance. The value of investment can fall as well as
rise.
‫ﺍﺛﺎﺛﮧ ﮐﯽ ﻣﻘﺮﺭ ﺣﺪ ﺍﻭﺭ ﺍﺛﺎﺛﮧ ﮐﯽ ﻣﺘﻨﻮﻉ ﭘﻮﺭﭦ ﻓﻮﻟﯿﻮﺯ ﮐﮯ ﺩﺭﻣﯿﺎﻥ ﺗﺨﺼﯿﺺ ﻭ ﺗﻌﯿﯿﻦ ﮐﯽ‬
‫ﺫﻣﮧ ﺩﺍﺭﯼ ﭘﺎﮎ ﻗﻄﺮ ﻓﯿﻤﻠﯽ ﺗﮑﺎﻓﻞ ﻟﻤﯿﭩﮉ ﮐﯽ ﻣﻨﯿﺠﻤﻨﭧ ﺍﻧﻮﺳﭩﻤﻨﭧ ﮐﻤﯿﭩﯽ ﮐﻮ ﺭﮨﮯ ﮔﯽ۔‬
‫ﻣﺨﺘﻠﻒ ﻃﺮﺡ ﮐﯽ ﺣﮑﻤﺖ ﻋﻤﻠﯽ ﮐﻮ ﻣﺘﻌﺎﺭﻑ ﮐﺮﺍﻧﮯ ﮐﺎ ﻣﻘﺼﺪ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﻭﮞ ﮐﻮ ﺍﯾﺴﯽ‬
‫ﻭﻥ ﻭﻧﮉﻭ ﺳﮩﻮﻟﺖ ﻓﺮﺍﮨﻢ ﮐﺮﻧﺎ ﮨﮯ ﺟﺲ ﻣﯿﮟ ﻭﮦ ﻣﺴﺘﺤﮑﻢ ﺭﯾﭩﺮﻥ ﺍﻭﺭ ﮔﺮﻭﺗﮫ ﮐﯽ ﺁﻓﺮ ﮐﺮﻧﮯ‬
‫ﻭﺍﻟﮯ ﺍﯾﮑﻮﯾﭩﯽ؍ﮈﯾﺒﭧ ﺳﯿﮑﯿﻮﺭﯾﭩﯿﺰ؍ ﺁﻣﺪﻥ ﭘﺮ ﻣﺸﺘﻤﻞ ﻣﺘﻨﻮﻉ ﭘﻮﺭﭦ ﻓﻮﻟﯿﻮ ﻣﯿﮟ ﺳﺮﻣﺎﯾﮧ‬
‫ﮐﺎﺭﯼ ﮐﺮﯾﮟ۔‬
‫ﮐﻤﭙﻨﯽ ﻟﯿﮑﻮﮈﯾﭩﯽ ﮐﻮ ﺑﺮﻗﺮﺍﺭ ﺭﮐﮭﻨﮯ ﮐﮯ ﻣﻘﺼﺪ ﮐﮯ ﺍﺛﺎﺛﮧ ﮐﻮ ﺑﯿﻨﮑﻮﮞ ﺍﻭﺭ ﻣﺎﻟﯿﺎﺗﯽ ﺍﺩﺍﺭﻭﮞ‬
‫ﻣﯿﮟ ﮐﯿﺶ ﮈﯾﭙﺎﺯﭦ ﮐﯽ ﺻﻮﺭﺕ ﻣﯿﮟ ﺑﮭﯽ ﺭﮐﮫ ﺳﮑﺘﯽ ﮨﮯ ﺗﺎ ﺭﯾﮉﯾﻤﭙﺸﻦ )ﻣﺨﻠﺼﯽ ( ﮐﯽ‬
‫ ﺍﻭﺭ ﻣﻨﺎﺳﺐ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﮐﮯ ﻣﻮﺍﻗﻊ ﺟﺐ ﺍﻭﺭ ﺟﯿﺴﮯ‬،‫ﺿﺮﻭﺭﺕ ﮐﻮ ﭘﻮﺭﺍ ﮐﯿﺎ ﺟﺎ ﺳﮑﮯ‬
‫ﺳﺎﻣﻨﮯ ﺁﺋﯿﮟ ﺍﻥ ﺳﮯ ﻓﺎﺋﺪﮦ ﺍﭨﮭﺎﯾﺎ ﺟﺎ ﺳﮑﮯ۔‬
‫ ﻣﺎﺿﯽ ﮐﯽ ﮐﺎﺭﮐﺮﺩﮔﯽ ﻣﺴﺘﻘﺒﻞ ﮐﯽ ﮐﺎﺭﮐﺮﺩﮔﯽ ﮐﻮ ﻇﺎﮨﺮ ﻧﮩﯿﮟ‬:(‫ﮈﺱ ﮐﻠﯿﻤﺮ )ﺩﺳﺖ ﺑﺮﺩﺍﺭﯼ‬
‫ﮐﺮﺗﯽ۔ﻣﺎﺭﮐﯿﭧ ﮐﺎ ﺍﺗﺎﺭ ﭼﮍﮬﺎﺅ ﻧﻤﺎﯾﺎﮞ ﻃﻮﺭ ﭘﺮ ﻣﺨﺘﺼﺮ ﻣﺪﺕ ﮐﯽ ﮐﺎﺭﺩﮔﯽ ﮐﻮ ﻣﺘﺎﺛﺮ ﮐﺮ ﺳﮑﺘﺎ‬
‫ﮨﮯ۔ ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﮐﯽ ﻗﺪﺭ ﻣﯿﮟ ﺑﮍﮬﻮﺗﺮﯼ ﮐﮯ ﺳﺎﺗﮫ ﺳﺎﺗﮫ ﮐﻤﯽ ﺑﮭﯽ ﺁﺳﮑﺘﯽ ﮨﮯ۔‬

Application No. ‫ﺍﻟﺴﭩﺮﯾﺸﻦ ﻧﻤﺒﺮ‬ Page Number 5 ‫ﺻﻔﺤﮧ ﻧﻤﺒﺮ‬

Prepared on 19/11/2018 - 13:28 ‫ﺗﯿﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺦ‬ Total Pages 6 ‫ﮐﻞ ﺻﻔﺤﺎﺕ‬
Executor Code ‫ﺍﯾﮕﺰﯾﮑﯿﻮﭨﺮ ﮐﻮﮈ‬ TSNR 114 ‫ﭨﯽ ﺍﯾﺲ ﺍﯾﻦ ﺁﺭ‬
 Applicant Copy

Historical Investment Performance ‫ﺳﺮﻣﺎﯾﮧ ﮐﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺨﯽ ﮐﺎﺭﮐﺮﺩﮔﯽ‬

The historical performance of PQFTL's ‫ﭘﺎﮎ ﻗﻄﺮ ﻓﯿﻤﻠﯽ ﺗﮑﺎﻓﻞ ﮐﮯ)ﮔﺮﻭﺗﮫ( ﻓﻨﮉ ﮐﯽ ﺗﺎﺭﯾﺨﯽ‬
Fund(Growth) are as follows: :‫ﮐﺎﺭﮐﺮﺩﮔﯽ ﻣﻨﺪﺭﺟﮧ ﺫﯾﻞ ﮨﮯ‬
Fund Name: PQ Banca Growth ‫ﻓﻨﮉ ﮐﺎ ﻧﺎﻡ‬
Launch Date: 1St January 2013 ‫ﺗﺎﺭﯾﺦِ ﺁﻏﺎﺯ‬
Fund Category: Growth ‫ﻓﻨﮉ ﮐﯽ ﻗﺴﻢ‬
Risk Profile: High ‫ﺭﺳﮏ ﭘﺮﻭﻓﺎﺋﻞ‬

Year Year
2017 2016 2015 2014 2013
‫ﮐﺎﺭ ﮐﺮﺩﮔﯽ ﮐﺎ ﺳﺎﻝ‬ ‫ﮐﺎﺭ ﮐﺮﺩﮔﯽ ﮐﺎ ﺳﺎﻝ‬
Yearly Gross returns Yearly Gross returns
-6.4% 11.31% 7.72% 11.59% 13.65%
‫ﻣﺠﻤﻮﻋﯽ ﺳﺎﻻﻧﮧ ﻣﻨﺎﻓﻊ‬ ‫ﻣﺠﻤﻮﻋﯽ ﺳﺎﻻﻧﮧ ﻣﻨﺎﻓﻊ‬

Average Gross return since

‫ ﮐﮯ ﺍﺧﺘﺘﺎﻡ ﺗﮏ‬2017 ‫ﮐﮯ ﺁﻏﺎﺯ ﺳﮯ‬2013
inception (2013) to Dec 2017 of 7.3%
‫ﻣﺠﻤﻮﻋﯽ ﻣﻨﺎﻓﻊ ﮐﯽ ﺍﻭﺳﻂ‬
the fund:

The historical performance of PQFTL's ‫ﭘﺎﮎ ﻗﻄﺮ ﻓﯿﻤﻠﯽ ﺗﮑﺎﻓﻞ ﮐﮯ)ﮐﻨﺰﺭﻭﯾﭩﻮ(ﻓﻨﮉ ﮐﯽ ﺗﺎﺭﯾﺨﯽ‬
Fund(Conservative) are as follows: :‫ﮐﺎﺭﮐﺮﺩﮔﯽ ﻣﻨﺪﺭﺟﮧ ﺫﯾﻞ ﮨﮯ‬
Fund Name: PQ Banca Conservative ‫ﻓﻨﮉ ﮐﺎﻧﺎﻡ‬
Launch Date: 1St January 2013 ‫ﺗﺎﺭﯾﺦِ ﺁﻏﺎﺯ‬
Fund Category: Conservative ‫ﻓﻨﮉ ﮐﯽ ﻗﺴﻢ‬
Risk Profile: Low ‫ﺭﺳﮏ ﭘﺮﻭﻓﺎﺋﻞ‬

Year Year
2017 2016 2015 2014 2013
‫ﮐﺎﺭ ﮐﺮﺩﮔﯽ ﮐﺎ ﺳﺎﻝ‬ ‫ﮐﺎﺭ ﮐﺮﺩﮔﯽ ﮐﺎ ﺳﺎﻝ‬
Yearly Gross returns Yearly Gross returns
4.5% 4.98% 7.85% 9.62% 8.81%
‫ﻣﺠﻤﻮﻋﯽ ﺳﺎﻻﻧﮧ ﻣﻨﺎﻓﻊ‬ ‫ﻣﺠﻤﻮﻋﯽ ﺳﺎﻻﻧﮧ ﻣﻨﺎﻓﻊ‬

Average Gross return since

‫ ﮐﮯ ﺍﺧﺘﺘﺎﻡ ﺗﮏ‬2017 ‫ﮐﮯ ﺁﻏﺎﺯ ﺳﮯ‬2013
inception (2013) to Dec 2017 of 7.1%
‫ﻣﺠﻤﻮﻋﯽ ﻣﻨﺎﻓﻊ ﮐﯽ ﺍﻭﺳﻂ‬
the fund:

Declaration by Bank Representative: :‫ﺑﯿﻨﮏ ﮐﮯ ﻧﻤﺎﺋﻨﺪﮮ ﮐﯽ ﻃﺮﻑ ﺳﮯ ﺍﻗﺮﺍﺭﻧﺎﻣﮧ‬

I confirm that I have not made any verbal, written or electronic ‫ﻣﯿﮟ ﯾﮧ ﺍﻗﺮﺍﺭ ﮐﺮﺗﺎ ﮨﻮﮞ ﮐﮧ ﺍﺱ ﮐﺎﺭﮐﺮﺩﮔﯽ ﮐﯽ ﺗﺎﺭﯾﺨﯽ ﭘﺮﯾﺰﻧﭩﯿﺸﻦ ﮐﮯ ﻋﻼﻭﮦ ﮐﻮﺋﯽ‬
presentation which is in contradiction to this fund's historical ‫ ﺗﺤﺮﯾﺮﯼ ﯾﺎ ﺍﻟﯿﮑﭩﺮﺍﻧﮏ ﺻﻮﺭﺕ ﻣﯿﮟ ﻧﮩﯿﮟ ﺑﻨﺎﺋﯽ ﺟﻮ ﮐﮧ‬،‫ ﺯﺑﺎﻧﯽ‬، ‫ﺩﻭﺳﺮﯼ ﭘﺮﯾﺰﯾﻨﭩﯿﺸﻦ‬
investment performance presentation. I also confirm that I have not ‫ﺍﺱ ﺍﻟﺴﭩﺮﯾﺸﻦ ﺳﮯ ﻣﺨﺘﻠﻒ ﮨﻮ ۔ﺍﻭﺭ ﻣﯿﮟ ﯾﮧ ﺑﮭﯽ ﻭﺍﺿﺢ ﮐﺮﺗﺎﮨﻮﮞ ﮐﮯ ﻣﯿﮟ ﻧﮯ ﻣﻤﮑﻨﮧ‬
misled or deceived the prospective client in any way. ‫ﺗﮑﺎﻓﻞ ﻣﻤﺒﺮ ﮐﯽ ﮐﺴﯽ ﺑﮭﯽ ﻃﺮﺡ ﻏﻠﻂ ﺭﮨﻨﻤﺎﺋﯽ ﻧﮩﯿﮟ ﮐﯽ۔‬

Name Muhammad Fahim Raza Muhammad ‫ﻧﺎﻡ‬

Code ‫ﮐﻮﮈ‬

Signature ‫ﺩﺳﺘﺨﻂ‬

Date ‫ﺗﺎﺭﯾﺦ‬

Application No. ‫ﺍﻟﺴﭩﺮﯾﺸﻦ ﻧﻤﺒﺮ‬ Page Number 6 ‫ﺻﻔﺤﮧ ﻧﻤﺒﺮ‬

Prepared on 19/11/2018 - 13:28 ‫ﺗﯿﺎﺭﯼ ﮐﯽ ﺗﺎﺭﯾﺦ‬ Total Pages 6 ‫ﮐﻞ ﺻﻔﺤﺎﺕ‬
Executor Code ‫ﺍﯾﮕﺰﯾﮑﯿﻮﭨﺮ ﮐﻮﮈ‬ TSNR 114 ‫ﭨﯽ ﺍﯾﺲ ﺍﯾﻦ ﺁﺭ‬