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Introducing Mahaana Save+

Earn more than 19%* annual profit through low risk Shariah-compliant investments.
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Why Mahaana Save+

An alternative to your traditional bank saving account. All Mahaana Save+ funds are invested into Mahaana Islamic Cash Fund (MICF).
Higher profits

Investors earned 20.48% per annum profit in May 2024*

Zero fees

No front-end or back-end load

Secure investments

Invest in low risk Shariah compliant money market instruments.

Shariah-compliant

Stay true to your Islamic values.

* Benchmark return for May 2024 was 11.20% per annum, since inception return from date of launch (29-Mar-2023) was 23.27% per annum vs. benchmark return of 9.25% per annum. Disclaimer: Past performance is not necessarily indicative of future results. Please read the Offering Document to understand investment policies and the risks involved.

Where do we invest?

We only invest in Shariah-compliant assets.

Government Sukuks

  • Shariah-compliant government bonds.

Corporate Sukuks

  • Shariah-compliant bonds offered by companies.

Islamic bank deposits

  • Deposits with trusted banks where we negotiate profit rates.

More for you, less for the bank

Gain a greater share of sukuk profits by investing in Mahaana Save+.
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* Returns as of 31 May 2024

The smarter way to boost your cash earnings

Minutes to onboard
No paperwork
Daily returns
Shariah-compliant
No front-end or back-end fees
Minimum initial investment of Rs. 1,000

Start investing now

01
Sign up & submit details

Fill out your details in less than 10 mins.

02
Fund your account

Invest as low as Rs. 1,000 to get started. Fund your account through RAAST (fast & free) or bank transfers.

03
Watch your savings grow

Investors earned 20.48% per annum profit in May 2024*

* Benchmark return of May 2024 is 11.20% per annum, since inception return from date of launch (29-Mar-2023) was 23.27% per annum vs. benchmark return of 9.25% per annum. Disclaimer: Past performance is not necessarily indicative of future results. Please read the Offering Document to understand investment policies and the risks involved.

Your safety is our priority

Secure

  • All of your funds are stored with the Central Depository Company (CDC) for safekeeping

  • Your funds can only be withdrawn into a bank account that’s in your name

Regulated

  • Regulated by Securities & Exchange Commission of Pakistan (SECP) as a non-banking financial company (NBFC)

  • Licensed as an Asset Management Company and Investment Advisor by SECP

Trusted

  • Member of Mutual Funds Association of Pakistan (MUFAP)

  • Backed by credible local and foreign sponsors

  • Highly experienced and globally ranked investment management team

Hamza Nakhoda
“I am very satisfied with Mahaana! The interface is very intuitive and easy to understand for first-time investors and savers. Everything is to the point and all data is presented clearly, no extra information to confuse and overwhelm us which has been the case with mutual fund managers. I was very impressed with the dividend and tax information i got via email which makes it easy to keep track. The sign-up process was also very smooth, unlike other mutual funds where there is a whole lot of paperwork signing back and forth. So doing this sitting at home is definitely a godsend! It doesn't hurt that the Return on investment seems to be as good, if not better than other investments in a similar risk class. I have full faith in Mahaana and its team and look forward to a revolutionized wealth management industry in Pakistan!"
Hamza Nakhoda
Divison Head, Raziki
Mahwash Bhimjee
"I was looking for a quick and safe way to invest some money in Pakistan and a friend suggested Mahaana Save Plus Mutual fund. In just 10 minutes, i was able to create an account, invest money and also saw my projected returns – all right from my phone! As someone used to investing in the US, I was impressed by the seamless process and transparency. No paperwork, just a few clicks, and I had my investment rolling. Everything is easily trackable within the web app. If you're looking for a hassle-free way to invest in Pakistan, give Mahaana a try – you won't regret it!"
Mahwash Bhimjee
Founder Meadow (San Francisco)
Ali Mohsin Bhagat
"Signing up with Mahaana was a breeze! No paperwork or endless calls – just a few clicks and I was good to go. It's refreshing to see a financial platform that values your time as much as your money. And speaking of money, Mahaana's communication is crystal clear! I get regular updates on my Mahaana Save Plus returns, with everything explained in simple terms, no financial jargon. Plus, the returns themselves are pretty impressive! I’m particularly excited to see them open other avenues for us like the stock market. That would be very exciting!”
Ali Mohsin Bhagat
General Manager, Commercial, Engro Eximp FZE
Irtaza Raza
"I loved the user interface and the seamless onboarding process. I'm particularly impressed with the projections calculator, which allows users to visualize expected returns. I've tried a few other investment apps, but your interface and design, thanks to the projection and graphs made it the best!"
Irtaza Raza
Freelancer
Dr. Mahnoor Allawala
"This is the first time I've ever used an investment portal to save money but looks promising! I'm surprised it was so simple and quick. Looks like my money is in safe hands!"
Dr. Mahnoor Allawala
Dentist

Frequently asked questions

Everything you need to know about the product

What are the risks of investing in Mahaana Save+ (MICF)?

Cash deposited into Mahaana Save+ is invested into Mahaana Islamic Cash Fund (MICF). MICF invests this cash into Shariah-compliant securities including corporate sukuks, government sukuks and bank placements. These investment avenues are considered low risk and stable compared to other assets. However MICF may get negative returns.

Mahaana is a member of Mutual Funds Association of Pakistan (MUFAP) and regulated by the Securities & Exchange Commission of Pakistan (SECP) as a non-bank financial company (NBFC). All of your funds are stored with the Central Depository Company (CDC). Mahaana does not have direct access to your funds and all transactions on your account are validated by CDC. Additionally, funds can only be withdrawn into a bank account that’s in your name.

Is there any front-end or back-end load?

No front-end load (deposit charges) or back-end load (withdrawal charges) are charged with Save+ (MICF). However, verification and processing fees will be charged depending on your account category.

Is Mahaana Save+ (MICF) Shariah-complaint?

Yes, please view the documents on the MICF page > Financial Literature > Shariah Compliance

Are there any taxes when I invest in Mahaana Save+ (MICF)?

For tax filers: 15% tax on capital gains (CGT) on withdrawals and 25% on dividend gains (dividend deposited directly into bank account).
For non-filers: 15% tax on capital gains (CGT) on withdrawals and 50% on dividend gains (dividend deposited directly into bank account).

How do I receive my returns?

Returns are automatically added to your account on a daily basis. You can view your profits by logging into the Mahaana webapp.

How long does it take to deposit or withdraw cash?

Deposits and withdrawals are usually processed within 1-2 business days.

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