Islamic mutual fund profit rates (November 2026)
What Pakistan’s Shariah-compliant money market, income and pension debt funds are earning now: the last 30 days’ return as a yearly rate, and the 1-year return with payouts. From MUFAP data.
Islamic Money Market Funds profit rates
| Fund & asset manager | Profit rate · 30-day annualised | 1Y total return | Up to | View fund |
|---|---|---|---|---|
| Atlas Islamic Money Market Fund Atlas Asset Management Limited | 11.31% | 10.95% | 19 Sept 2026 | |
| Atlas Islamic Cash Fund Atlas Asset Management Limited | 11.21% | 10.51% | 19 Sept 2026 | |
| AL Habib Islamic Money Market Fund AL Habib Asset Management Limited | 11.20% | Unavailable | 19 Sept 2026 | |
| Lucky Islamic Cash Fund Lucky Investments Limited | 11.13% | Unavailable | 19 Sept 2026 | |
| ABL Islamic Cash Fund ABL Asset Management Company Limited | 11.07% | 10.49% | 19 Sept 2026 | |
| Pak Qatar Cash Plan Pak-Qatar Asset Management Company Limited | 11.07% | 10.79% | 19 Sept 2026 | |
| Alfalah Islamic Rozana Amdani Fund Alfalah Asset Management Limited | 11.01% | 9.89% | 19 Sept 2026 | |
| AKD Islamic Cash Fund (Formerly AKD Islamic Daily Dividend Fund) AKD Investment Management Limited | 11.00% | 10.60% | 19 Sept 2026 | |
| JS Islamic Money Market Fund (Formerly: JS Islamic Daily Dividend Fund) JS Investments Limited | 10.98% | 10.22% | 19 Sept 2026 | |
| NIT Islamic Money Market Fund National Investment Trust Limited | 10.97% | 10.48% | 19 Sept 2026 | |
| NBP Islamic Money Market Fund NBP Fund Management Limited | 10.94% | 10.68% | 19 Sept 2026 | |
| AWT Islamic Money Market Fund (Formerly: AWT Money Market Fund) AWT Investments Limited | 10.83% | 11.07% | 19 Sept 2026 | |
| Lakson Islamic Money Market Fund Lakson Investments Limited | 10.82% | 10.55% | 19 Sept 2026 | |
| Al Ameen Islamic Cash Plan I UBL Fund Managers Limited | 10.70% | 10.77% | 19 Sept 2026 | |
| Mahaana Islamic Cash Fund Mahaana Wealth Limited | 10.67% | 10.31% | 19 Sept 2026 | |
| Alhamra Cash Management Optimizer MCB Investment Management Limited | 10.63% | 10.54% | 19 Sept 2026 | |
| ABL Islamic Money Market Plan I ABL Asset Management Company Limited | 10.61% | 10.53% | 19 Sept 2026 | |
| BMA Islamic Noor Cash Fund BMA Investment Advisors Limited | 10.61% | Unavailable | 19 Sept 2026 | |
| Alfalah Islamic Money Market Fund Alfalah Asset Management Limited | 10.60% | 10.41% | 19 Sept 2026 | |
| Pak Qatar Daily Dividend Plan Pak-Qatar Asset Management Company Limited | 10.54% | 10.86% | 19 Sept 2026 | |
| Lucky Islamic Money Market Fund Lucky Investments Limited | 10.47% | 10.41% | 19 Sept 2026 | |
| AL Habib Islamic Cash Fund AL Habib Asset Management Limited | 10.32% | 10.28% | 19 Sept 2026 | |
| Al Ameen Islamic Cash Fund UBL Fund Managers Limited | 10.08% | 10.00% | 19 Sept 2026 | |
| Meezan Rozana Amdani Fund Al Meezan Investment Management Limited | 10.07% | 9.72% | 19 Sept 2026 | |
| NBP Islamic Daily Dividend Fund NBP Fund Management Limited | 10.07% | 10.69% | 19 Sept 2026 | |
| Meezan Cash Fund Al Meezan Investment Management Limited | 10.02% | 9.74% | 19 Sept 2026 | |
| Meezan Islamic Asaan Cash Fund Al Meezan Investment Management Limited | 9.96% | Unavailable | 19 Sept 2026 | |
| Alhamra Islamic Money Market Fund MCB Investment Management Limited | 9.93% | 9.67% | 19 Sept 2026 | |
| Faysal Halal Amdani Fund Faysal Asset Management Limited | 9.87% | 9.41% | 19 Sept 2026 | |
| 786 Islamic Money Market Fund 786 Investments Limited | 9.78% | 9.83% | 19 Sept 2026 | |
| HBL Islamic Savings Plan I HBL Asset Management Limited | 9.65% | 9.67% | 19 Sept 2026 | |
| Faysal Islamic Cash Fund Faysal Asset Management Limited | 9.64% | 9.46% | 19 Sept 2026 | |
| HBL Islamic Money Market Fund HBL Asset Management Limited | 9.47% | 10.55% | 19 Sept 2026 | |
| Pak Oman Daily Dividend Fund Pak Oman Asset Management Company Limited | -0.22% | 1.88% | 19 Sept 2026 |
Islamic Income Funds profit rates
| Fund & asset manager | Profit rate · 30-day annualised | 1Y total return | Up to | View fund |
|---|---|---|---|---|
| Alfalah Islamic Sovereign Fund (Alfalah Islamic Sovereign Plan I) Alfalah Asset Management Limited | 15.34% | 5.36% | 19 Sept 2026 | |
| Al Ameen Islamic Income Fund UBL Fund Managers Limited | 11.40% | 9.78% | 19 Sept 2026 | |
| Alhamra Islamic Investment Savings Fund MCB Investment Management Limited | 11.05% | Unavailable | 19 Sept 2026 | |
| JS Islamic Income Fund JS Investments Limited | 10.86% | 6.87% | 19 Sept 2026 | |
| Atlas Islamic Income Fund Atlas Asset Management Limited | 10.55% | 9.97% | 19 Sept 2026 | |
| AWT Islamic Income Fund AWT Investments Limited | 10.51% | 10.23% | 19 Sept 2026 | |
| AL Habib Islamic Income Fund AL Habib Asset Management Limited | 10.40% | 9.07% | 19 Sept 2026 | |
| NBP Riba Free Savings Fund NBP Fund Management Limited | 10.29% | 10.11% | 19 Sept 2026 | |
| HBL Islamic Regular Income Fund HBL Asset Management Limited | 10.29% | Unavailable | 19 Sept 2026 | |
| Faysal Halal Amdani Fund III Faysal Asset Management Limited | 10.25% | Unavailable | 19 Sept 2026 | |
| Meezan Daily Income Fund (Meezan Munafa Plan I) Al Meezan Investment Management Limited | 10.22% | 10.10% | 19 Sept 2026 | |
| NIT Islamic Income Fund National Investment Trust Limited | 10.16% | 10.08% | 19 Sept 2026 | |
| NBP Islamic Mahana Amdani Fund NBP Fund Management Limited | 10.09% | 9.69% | 19 Sept 2026 | |
| HBL Islamic Income Fund HBL Asset Management Limited | 10.00% | 10.48% | 19 Sept 2026 | |
| NBP Islamic Savings Fund NBP Fund Management Limited | 10.00% | 9.53% | 19 Sept 2026 | |
| AL Habib Islamic Savings Fund AL Habib Asset Management Limited | 9.93% | 9.27% | 19 Sept 2026 | |
| Meezan Daily Income Fund (Meezan Super Saver Plan) (MSSP) Al Meezan Investment Management Limited | 9.87% | 9.51% | 19 Sept 2026 | |
| Lucky Islamic Income Fund Lucky Investments Limited | 9.83% | 10.35% | 19 Sept 2026 | |
| Pak Qatar Income Plan Pak-Qatar Asset Management Company Limited | 9.75% | 9.99% | 19 Sept 2026 | |
| Meezan Islamic Income Fund Al Meezan Investment Management Limited | 9.70% | 9.23% | 19 Sept 2026 | |
| Faysal Halal Amdani Fund II Faysal Asset Management Limited | 9.67% | 10.24% | 19 Sept 2026 | |
| Meezan Government Securities Fund Plan I Al Meezan Investment Management Limited | 9.60% | Unavailable | 19 Sept 2026 | |
| NBP Islamic Income Fund NBP Fund Management Limited | 9.50% | 9.02% | 19 Sept 2026 | |
| Meezan Daily Income Fund (MDIP I) Al Meezan Investment Management Limited | 9.46% | 9.49% | 19 Sept 2026 | |
| 786 Smart Fund 786 Investments Limited | 9.26% | 9.93% | 19 Sept 2026 | |
| Meezan Daily Income Fund (Meezan Sehl Account Plan) (MSHP) Al Meezan Investment Management Limited | 9.16% | 9.29% | 19 Sept 2026 | |
| Meezan Daily Income Fund (Meezan Mahana Munafa Plan) Al Meezan Investment Management Limited | 9.00% | 9.96% | 19 Sept 2026 | |
| Alhamra Daily Dividend Fund MCB Investment Management Limited | 8.89% | 9.51% | 19 Sept 2026 | |
| Faysal Islamic Sovereign Fund (Faysal Islamic Sovereign Plan II) Faysal Asset Management Limited | 8.84% | 7.27% | 19 Sept 2026 | |
| Alfalah Islamic Sovereign Fund (Alfalah Islamic Sovereign Plan II) Alfalah Asset Management Limited | 8.43% | 7.10% | 19 Sept 2026 | |
| Faysal Islamic Savings Growth Fund Faysal Asset Management Limited | 8.38% | 8.18% | 19 Sept 2026 | |
| Faysal Islamic Sovereign Fund (Faysal Islamic Sovereign Plan I) Faysal Asset Management Limited | 8.14% | 7.42% | 19 Sept 2026 | |
| NBP Islamic Government Securities Plan III NBP Fund Management Limited | 8.07% | 8.08% | 19 Sept 2026 | |
| ABL Islamic Income Fund ABL Asset Management Company Limited | 7.99% | 8.62% | 19 Sept 2026 | |
| Meezan Sovereign Fund Al Meezan Investment Management Limited | 7.93% | 8.43% | 19 Sept 2026 | |
| Alfalah GHP Islamic Income Fund Alfalah Asset Management Limited | 7.63% | 8.16% | 19 Sept 2026 | |
| AKD Islamic Income Fund AKD Investment Management Limited | 7.60% | 9.28% | 19 Sept 2026 | |
| Alfalah Islamic Sovereign Fund (Alfalah Islamic Sovereign Plan III) Alfalah Asset Management Limited | 7.34% | 7.09% | 19 Sept 2026 | |
| Faysal Islamic Special Income Plan I Faysal Asset Management Limited | 6.88% | 8.60% | 19 Sept 2026 | |
| Al Ameen Islamic Sovereign Fund UBL Fund Managers Limited | 6.31% | 7.80% | 19 Sept 2026 | |
| Pak Oman Advantage Islamic Income Fund Pak Oman Asset Management Company Limited | 5.07% | 5.63% | 19 Sept 2026 | |
| ABL Islamic Sovereign Plan I ABL Asset Management Company Limited | 4.08% | 7.26% | 19 Sept 2026 | |
| Alhamra Islamic Income Fund MCB Investment Management Limited | 3.70% | 8.25% | 19 Sept 2026 | |
| Alhamra Government Securities Plan I MCB Investment Management Limited | 0.15% | 8.13% | 19 Sept 2026 |
Islamic Aggressive Fixed Income Funds profit rates
| Fund & asset manager | Profit rate · 30-day annualised | 1Y total return | Up to | View fund |
|---|---|---|---|---|
| Faysal Islamic Financial Growth Fund II Faysal Asset Management Limited | 11.10% | Unavailable | 19 Sept 2026 | |
| Alfalah Islamic Income Growth Fund Alfalah Asset Management Limited | 11.07% | Unavailable | 19 Sept 2026 | |
| Faysal Islamic Financial Growth Plan II Faysal Asset Management Limited | 9.63% | 9.44% | 19 Sept 2026 | |
| Faysal Islamic Financial Growth Fund (Faysal Islamic Financial Growth Plan I) Faysal Asset Management Limited | 9.52% | 9.15% | 19 Sept 2026 | |
| Al Ameen Islamic Aggressive Income Plan I UBL Fund Managers Limited | 8.16% | 8.04% | 19 Sept 2026 | |
| Al Ameen Islamic Aggressive Income Fund UBL Fund Managers Limited | 5.68% | 8.94% | 19 Sept 2026 |
Islamic Pension Funds (VPS Money Market) profit rates
| Fund & asset manager | Profit rate · 30-day annualised | 1Y total return | Up to | View fund |
|---|---|---|---|---|
| Meezan Islamic Government of Balochistan Pension Fund Al Meezan Investment Management Limited | 14.20% | Unavailable | 19 Sept 2026 | |
| EFU Hemayah Pension Fund EFU Life Assurance Limited | 13.72% | Unavailable | 19 Sept 2026 | |
| Alfalah Islamic KPK Employee Pension Fund Alfalah Asset Management Limited | 12.84% | 9.15% | 19 Sept 2026 | |
| Alhamra Islamic Punjab Pension Fund MCB Investment Management Limited | 12.34% | Unavailable | 19 Sept 2026 | |
| Pak Qatar Islamic Pension Fund Pak-Qatar Family Takaful Limited | 11.67% | 10.49% | 19 Sept 2026 | |
| HBL Islamic Pension Fund HBL Asset Management Limited | 11.60% | 9.60% | 19 Sept 2026 | |
| Al Ameen Voluntary Pension Fund KPK UBL Fund Managers Limited | 11.43% | 10.49% | 19 Sept 2026 | |
| Faysal Islamic Punjab Pension Fund Faysal Asset Management Limited | 11.26% | Unavailable | 19 Sept 2026 | |
| Faysal Islamic Pension Fund Faysal Asset Management Limited | 11.10% | 9.39% | 19 Sept 2026 | |
| Alfalah Balochistan Islamic Pension Fund Alfalah Asset Management Limited | 11.05% | Unavailable | 19 Sept 2026 | |
| Atlas Pension Islamic Fund Atlas Asset Management Limited | 10.93% | 10.32% | 19 Sept 2026 | |
| NBP Islamic Punjab Pension Fund NBP Fund Management Limited | 10.91% | Unavailable | 19 Sept 2026 | |
| Faysal Islamic KPK Government Pension Fund Faysal Asset Management Limited | 10.88% | 10.47% | 19 Sept 2026 | |
| Lucky Islamic Punjab Pension Fund Lucky Investments Limited | 10.85% | Unavailable | 19 Sept 2026 | |
| AWT Islamic Pension Fund AWT Investments Limited | 10.83% | 11.21% | 19 Sept 2026 | |
| HBL KPK Islamic Pension Fund HBL Asset Management Limited | 10.73% | 9.23% | 19 Sept 2026 | |
| Mahaana IGI Islamic Retirement Fund IGI Life Insurance Limited | 10.70% | 9.33% | 19 Sept 2026 | |
| ABL GOKP Islamic Pension Fund ABL Asset Management Company Limited | 10.68% | 9.41% | 19 Sept 2026 | |
| NBP GoKP Islamic Pension Fund NBP Fund Management Limited | 10.59% | 10.36% | 19 Sept 2026 | |
| NBP Islamic Balochistan Pension Fund NBP Fund Management Limited | 10.58% | Unavailable | 19 Sept 2026 | |
| Pak Qatar GoKP Islamic Pension Fund Pak-Qatar Family Takaful Limited | 10.45% | Unavailable | 19 Sept 2026 | |
| Meezan Tahaffuz Pension Fund Al Meezan Investment Management Limited | 10.44% | 10.20% | 19 Sept 2026 | |
| Al Ameen Islamic Retirement Savings Fund UBL Fund Managers Limited | 10.43% | 9.07% | 19 Sept 2026 | |
| NIT KP Islamic Pension Fund National Investment Trust Limited | 10.42% | 10.30% | 19 Sept 2026 | |
| ABL Islamic Pension Fund ABL Asset Management Company Limited | 10.41% | 9.94% | 19 Sept 2026 | |
| Meezan GOKP Pension Fund Al Meezan Investment Management Limited | 10.35% | 10.83% | 19 Sept 2026 | |
| Alfalah GHP Islamic Pension Fund Alfalah Asset Management Limited | 10.35% | 9.91% | 19 Sept 2026 | |
| Meezan Islamic Government of Punjab Pension Fund Al Meezan Investment Management Limited | 10.28% | Unavailable | 19 Sept 2026 | |
| Pak Qatar GoPB Islamic Pension Fund Pak-Qatar Family Takaful Limited | 10.18% | Unavailable | 19 Sept 2026 | |
| AL Habib GOKP Islamic Pension Fund AL Habib Asset Management Limited | 10.08% | 8.37% | 19 Sept 2026 | |
| Atlas KPK Islamic Pension Fund Atlas Asset Management Limited | 10.07% | 10.40% | 19 Sept 2026 | |
| Alfalah GOPB Islamic Pension Fund Alfalah Asset Management Limited | 10.06% | Unavailable | 19 Sept 2026 | |
| MCB Alhamra KPK Govt Employees Pension Fund MCB Investment Management Limited | 10.04% | 9.90% | 19 Sept 2026 | |
| NAFA Islamic Pension Fund NBP Fund Management Limited | 10.04% | 9.72% | 19 Sept 2026 | |
| NIT Islamic Pension Fund National Investment Trust Limited | 9.97% | 10.45% | 19 Sept 2026 | |
| Lucky Islamic Pension Fund Lucky Investments Limited | 9.64% | Unavailable | 19 Sept 2026 | |
| JS KPK Islamic Pension Fund JS Investments Limited | 9.26% | 10.31% | 19 Sept 2026 | |
| JS Islamic Pension Savings Fund JS Investments Limited | 9.20% | 10.49% | 19 Sept 2026 | |
| AL Habib Islamic Pension Fund AL Habib Asset Management Limited | 9.17% | 8.30% | 19 Sept 2026 | |
| Atlas Punjab Islamic Pension Fund Atlas Asset Management Limited | 8.21% | Unavailable | 19 Sept 2026 | |
| ABL GOPB Islamic Pension Fund ABL Asset Management Company Limited | 7.94% | Unavailable | 19 Sept 2026 | |
| HBL Islamic Punjab Pension Fund HBL Asset Management Limited | 7.66% | Unavailable | 19 Sept 2026 | |
| Al Ameen Islamic Punjab Pension Fund UBL Fund Managers Limited | 7.60% | Unavailable | 19 Sept 2026 | |
| JS Punjab Islamic Pension Fund JS Investments Limited | 7.44% | Unavailable | 19 Sept 2026 | |
| ABL GOB Islamic Pension Fund ABL Asset Management Company Limited | 6.76% | Unavailable | 19 Sept 2026 | |
| Alhamra Islamic Pension Fund MCB Investment Management Limited | 6.57% | 9.49% | 19 Sept 2026 | |
| JS Balochistan Islamic Pension Fund JS Investments Limited | 5.74% | Unavailable | 19 Sept 2026 | |
| AWT Islamic Punjab Pension Fund AWT Investments Limited | 5.42% | Unavailable | 19 Sept 2026 | |
| Pak Qatar GoB Islamic Pension Fund Pak-Qatar Family Takaful Limited | 3.34% | Unavailable | 19 Sept 2026 |
Islamic Pension Funds (VPS Debt) profit rates
| Fund & asset manager | Profit rate · 30-day annualised | 1Y total return | Up to | View fund |
|---|---|---|---|---|
| EFU Hemayah Pension Fund EFU Life Assurance Limited | 14.72% | Unavailable | 19 Sept 2026 | |
| Atlas Pension Islamic Fund Atlas Asset Management Limited | 11.34% | 10.39% | 19 Sept 2026 | |
| Pak Qatar Islamic Pension Fund Pak-Qatar Family Takaful Limited | 11.16% | 10.36% | 19 Sept 2026 | |
| AWT Islamic Pension Fund AWT Investments Limited | 10.79% | 11.66% | 19 Sept 2026 | |
| Faysal Islamic Pension Fund Faysal Asset Management Limited | 10.49% | 8.28% | 19 Sept 2026 | |
| HBL Islamic Pension Fund HBL Asset Management Limited | 10.21% | 9.11% | 19 Sept 2026 | |
| NIT Islamic Pension Fund National Investment Trust Limited | 10.08% | 10.43% | 19 Sept 2026 | |
| Lucky Islamic Pension Fund Lucky Investments Limited | 10.04% | Unavailable | 19 Sept 2026 | |
| Meezan Tahaffuz Pension Fund Al Meezan Investment Management Limited | 10.00% | 9.80% | 19 Sept 2026 | |
| NAFA Islamic Pension Fund NBP Fund Management Limited | 9.97% | 9.47% | 19 Sept 2026 | |
| Mahaana IGI Islamic Retirement Fund IGI Life Insurance Limited | 9.68% | 9.86% | 19 Sept 2026 | |
| ABL Islamic Pension Fund ABL Asset Management Company Limited | 9.49% | 9.34% | 19 Sept 2026 | |
| Al Ameen Islamic Retirement Savings Fund UBL Fund Managers Limited | 9.49% | 9.68% | 19 Sept 2026 | |
| JS Islamic Pension Savings Fund JS Investments Limited | 8.99% | 6.68% | 19 Sept 2026 | |
| Alfalah GHP Islamic Pension Fund Alfalah Asset Management Limited | 8.49% | 8.71% | 19 Sept 2026 | |
| AL Habib Islamic Pension Fund AL Habib Asset Management Limited | 7.93% | 7.24% | 19 Sept 2026 | |
| Alhamra Islamic Pension Fund MCB Investment Management Limited | 3.74% | 7.61% | 19 Sept 2026 |
Profit rate here means the 30-day total return with payouts reinvested, multiplied by 365/30 (simple annualisation). It is not a fixed or promised rate. Returns are calculated from MUFAP NAVs as published, before sales loads and taxes, and end at each fund’s latest NAV with verified payout coverage. Islamic Funds provides information, not investment advice.
Profit rates, explained.
What is the profit rate of a mutual fund?
Mutual funds do not pay a fixed profit rate like a bank deposit. What is quoted as a fund’s profit rate is its recent return expressed as a yearly rate. On this page, the 30-day annualised return is the fund’s total return over its last 30 days, payouts included, multiplied by 365/30. It changes every day with the fund’s NAV.
Is the profit rate guaranteed?
No. Money market and income funds aim for steady returns, but their rates move with the profit rates in the economy, especially the State Bank of Pakistan policy rate, and with the instruments each fund holds. The past 30 days do not promise the next 30. Only funds explicitly offering a fixed return, such as some fixed-term plans, target a set rate, and even those are not bank deposits.
Which Islamic fund has the highest profit rate?
Each table on this page is sorted by 30-day annualised return, so the first row shows the highest recent rate in that category. The order can change week to week, so also look at the 1-year return, which smooths out short-term swings.
How is the 30-day rate different from the 1-year return?
The 30-day annualised rate shows what the fund has been earning recently, scaled to a year. The 1-year return is what an investor actually earned over the last twelve months, with payouts reinvested. When profit rates in the economy are falling, the 30-day rate is usually lower than the 1-year return, and the reverse when they are rising.
Are these rates before or after tax?
Before tax and sales loads. Management fees are already reflected in the NAV. Payouts and capital gains from mutual funds are taxed, and the rate depends on your tax filer status and current law, so check the latest rules or ask a tax adviser.
Why do money market funds and bank accounts quote different rates?
A savings account pays a profit rate set by the bank, while a money market fund’s return comes from the Shariah-compliant instruments it holds, such as short-term sukuk and Islamic bank placements, minus its fees. Fund returns are published daily through NAV, so you can see exactly what was earned.