What is 1000 PKR SIP for 10 years in Pakistani mutual funds?

Assuming a Pakistani equity mutual fund averaging 12 percent annual return: monthly SIP of 1,000 PKR over 10 years (120 months) = total invested 120,000 PKR, future value ≈ 230,000 PKR, total gain ≈ 110,000 PKR (roughly 92 percent gain over invested capital). At 10 percent return (more conservative): future value ≈ 205,000 PKR. At 14 percent (optimistic): future value ≈ 260,000 PKR.

What is 5000 PKR SIP per month for 15 years?

Assuming 12 percent annual return on a Pakistani equity fund: monthly SIP of 5,000 PKR for 15 years (180 months) = total invested 900,000 PKR, future value ≈ 25.2 lakh PKR (2,520,000), total gain ≈ 16.2 lakh PKR. Compounding makes the difference enormous compared to keeping the same 900k in a current account.

Is SIP halal? Which Pakistani mutual funds are Shariah-compliant?

Yes, SIP itself is just a payment schedule, the question is whether the underlying mutual fund is Shariah-compliant. Pakistani Islamic mutual funds available via SIP include: Al-Meezan Investments (Meezan Islamic Fund, Meezan Tahaffuz Pension Fund, Al-Meezan Sovereign Fund), Faysal Funds (Faysal Islamic Income Fund), Alfalah GHP Islamic, NBP Islamic Funds and BankIslami Asset Management. These funds avoid riba (conventional bonds), alcohol, gambling, conventional banking and other haram sectors, and are audited by a Shariah board.

What returns do Pakistani equity mutual funds historically deliver?

Long-term Pakistani equity funds have averaged 10 to 14 percent annualised over 15+ year horizons (KSE-100 index returns + active management). Money market funds track the State Bank policy rate (currently around 14 to 16 percent for short-term). Islamic equity funds track similar ranges to conventional with slightly lower volatility due to excluding leveraged financial sector stocks. Always check the official fact sheet of each fund, past performance is not a guarantee.

Can overseas Pakistanis invest in SIP via Roshan Digital?

Yes. Most major Pakistani fund houses (MCB-Arif Habib, HBL Asset Management, UBL Funds, Al-Meezan, Faysal Funds) offer Roshan Digital Account access, allowing overseas Pakistanis to invest in PKR-denominated mutual funds through SIP from anywhere in the world. Minimum SIP amounts are usually 500 to 1,000 PKR per month. Returns are in PKR, convert to USD/GBP/AED at withdrawal time.

What is Step-up SIP and how much extra do I earn?

Step-up SIP increases your monthly contribution by a fixed percent every year, matching your salary increments. Example: starting at 5,000 PKR/month with 10 percent annual step-up at 12 percent return over 15 years gives future value ≈ 46 lakh PKR vs ≈ 25 lakh PKR with a flat 5,000 PKR SIP. Step-up adds nearly 21 lakh PKR over 15 years for the same starting habit. Most fund houses allow you to set this up once at signup.

How is SIP return calculated?

Future Value = P × ((1+r)^n − 1) / r × (1 + r), where P is monthly investment, r is the monthly rate (annual return ÷ 12 ÷ 100), and n is total months. This is the standard annuity-due formula. The math is identical to compound interest with regular monthly contributions.

Is SIP better than lump-sum investing?

Neither is universally better. SIP wins in volatile markets through rupee-cost averaging (you buy more units when prices are low, fewer when high). Lump-sum wins when markets trend up after entry. For Pakistani investors with monthly salaries, SIP is typically more practical because you cannot accumulate a large lump-sum without delaying entry. Many investors use both: lump-sum for windfalls (bonus, inheritance) and SIP for ongoing salary investing.

Does this account for inflation or capital gains tax?

No, the calculator shows nominal pre-tax returns. For real returns subtract inflation (Pakistani CPI typically 8 to 25 percent depending on year, use a long-term average of around 10 percent). Capital gains tax on mutual funds: typically 15 percent on units held over one year, 25 percent on units held under one year for filers (higher for non-filers). Islamic funds may have specific zakat treatment, consult your tax advisor.

SIP Calculator

Pakistani mutual fund SIP returns in PKR, with Halal Shariah-compliant fund support and Step-up SIP.

About the SIP Calculator

Calculate Systematic Investment Plan (SIP) returns for Pakistani mutual funds in PKR. Model investments in MCB-Arif Habib, HBL Asset Management, UBL Funds, NIT and JS Investments for conventional funds, or Al-Meezan, Faysal Funds, Alfalah GHP Islamic and NBP Islamic Funds for Shariah-compliant Halal investments. Step-up SIP supported. Built for Pakistani resident investors and overseas Pakistanis investing via Roshan Digital. Pairs with our How Compound Interest Works guide.

SIP Calculator

Currency:

Monthly SIP (₨)

Annual return (%)

Time period (years)

Future value

Rs 1,161,695.38

Total invested

Rs 600,000.00

Wealth gained

Rs 561,695.38

Enter your monthly SIP amount in PKR (or any currency).
Enter the expected annual return. Realistic ranges: Pakistani equity funds 10 to 14 percent historical, Islamic income funds 8 to 11 percent, money market funds 14 to 16 percent (matches policy rate).
Enter the investment period in years.
Optional: enable Step-up mode to increase your SIP amount by a percent annually (matching your salary growth).
See future value, total invested, and total wealth gained at maturity.

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