No stock market returns are never guaranteed. MIIETF can give higher returns but also carries more risk.

Invest fixed amounts monthly rather than all at once. This helps balance out market ups and downs.

Market downs are actually good for monthly investors as you get more shares for the same money.

Dividends are usually announced annually in July but can be more frequent. They depend on fund performance.

MIIETF is invested in the stock market so values can go up and down. There's potential for higher returns but also risk of loss.

Dividends depend on the fund's performance. We're required to distribute at least 90% of the gains when we make them but if there's no price increase between financial year ends there might not be a dividend to distribute.

While dividends are usually announced annually in early July after our financial year ends (June 30) our fund manager has the flexibility to declare dividends more frequently - quarterly or half-yearly if they choose to do so.

For MIIETF monthly saving is better. Since it's in the stock market prices change a lot. Buying monthly means sometimes you buy at high prices sometimes at low - this balances out your cost.

Your dividend is based on the fund's performance over the financial year (July to June). We look at the price difference between financial year end dates and by regulation must distribute at least 90% of this gain.

For MIIETF better to put money little by little (like PKR 10000 every month) because: 1) Stock market goes up and down 2) Buying monthly helps reduce risk 3) This way is safer than putting all money at once.

Ready to start? Go to https://portal.mahaana.com/auth/signup and create your account. It takes just a few minutes to begin your investment journey.

The first step is creating your account at https://portal.mahaana.com/auth/signup. Once approved you can start investing with as little as PKR 1000.

Visit our signup page at https://portal.mahaana.com/auth/signup - it's quick and easy. You can start investing right after your account is approved.

Just visit https://portal.mahaana.com/auth/signup to create your account and start investing in minutes.

No it's completely flexible! After your initial investment (minimum PKR 1000) you can add more whenever you want (minimum PKR 500) or not at all. There's no pressure to invest regularly.

You can start today! Everything is online - no paperwork needed. Just your CNIC bank account details and a few minutes of your time. Once your account is approved (usually same day) you can make your first investment right away.

You cannot! You only transfer funds from a bank account/mobile wallets that's in YOUR NAME.

Not at all! Start with just PKR 1000 in Save+ and you can add as little as PKR 500 anytime after that. There's no pressure to invest large amounts or make regular deposits.

You need to be above 18 to open account with us. For more detailed information, please contact our support team or visit our website.

Head to https://portal.mahaana.com/auth/signup where you can quickly open your account. You'll just need your CNIC and bank account details to get started.

You cannot only one account is allowed per CNIC. For more detailed information, please contact our support team or visit our website.

Use Save+ if needed within 2 years. For longer term can mix Save+ and MIIETF.

For 20+ years horizon can use more MIIETF. Put fixed amount monthly for long-term growth.

Put 3 months salary in Save+ for emergency then consider MIIETF for long-term growth.

For Save+ invest all at once. For MIIETF split into several monthly investments.

For Save+ nothing changes. For MIIETF stay invested if possible as market usually recovers.

First contact Mahaana support. If unresolved you can file a complaint with SECP.

Contact our support team through email WhatsApp or phone for assistance.

Yes you can book an investment advisory session with our experts.

Use Save+ for short-term goals like marriage car purchase or near-term education expenses.

No we're fully digital to keep costs low. All services are available online.

Reach us through email (hello@mahaana.com) WhatsApp or phone.

SECP regulates operations CDC holds assets and you can monitor everything online 24/7.

Your investments are safe as they're held by CDC. Assets would be distributed back to investors.

Verify through SECP's licensed entities list and CDC's trustee documentation.

Assets are held by independent trustee (CDC) and can't be accessed by Mahaana.

Check your email's spam/junk folder as OTPs are sent via email.

Mahaana is regulated by SECP and assets are held by CDC as trustee.

Currently automatic investments aren't available. Investments need to be made manually through the portal.

Invest 25 times your desired monthly income in Save+. For PKR 50000 monthly you need about PKR 15000000.

Submit before Ramadan. Mahaana will notify you through email and app with instructions.

Monitor your investment 24/7 through the Mahaana portal. See your value profits and returns anytime.

Access all statements and documents online through your Mahaana portal.

Can use more MIIETF for long-term goals since you have time to handle market fluctuations.

Split between Save+ and MIIETF but move to Save+ as you get closer to needing the money.

No profits are part of your total investment. Withdrawals take proportionally from both investment and profits.

Keep 3-6 months of expenses in Save+. For PKR 50000 monthly expenses keep PKR 150000-300000.

No there are no penalties or lock-in periods. You can withdraw anytime.

Contact support for current withdrawal limits and requirements.

Withdrawals usually reach your bank account within 1-2 business days.

Request withdrawals through your online account. They typically process in 1-2 business days.

For Save+ lump sum is better if you have the money since it's a steady fund and you start earning on the full amount immediately.

Profits are calculated and reinvested daily automatically.

You can invest anytime as it's a steady fund. No need to wait for the 'right time'.

Save+ is designed to be very low risk. The NAV only goes up because it's invested in safe Islamic instruments.

Returns change with market rates but are typically better than regular savings accounts. Use SBP policy rate as a rough guide.

Everything is done online through the Mahaana portal. You can invest directly from your bank account.

No it's completely flexible. You can invest whenever you want or not at all after your initial investment.

Contact our support team for current investment limits and account upgrade requirements.

No paperwork is required. Everything is done online through our portal.

After your initial investment you can add as little as PKR 500 anytime.

You can start with just PKR 1000 in Save+. For more detailed information, please contact our support team or visit our website.

No you can only have one account per CNIC. For more detailed information, please contact our support team or visit our website.

No you can only use a bank account or mobile wallet that's in your own name. Parents' or spouse's accounts are not allowed.

Contact our support team for current investment limits and account upgrade requirements.

Visit portal.mahaana.com/auth/signup to create your account. The process is completely online and takes just a few minutes.

Account approval usually happens the same day after which you can start investing immediately.

You need to be above 18 years old have your CNIC and your own bank account details. No other documentation is required.

Your profits are automatically reinvested daily - no action needed. This happens automatically and helps your investment grow through compounding.

Our Save+ fund typically gives better returns than regular savings accounts plus it's fully Shariah-compliant. Your money grows every day and you can still withdraw it whenever you need usually within 1-2 business days.

If you're new start with Save+. It's easier to understand and safer. Move to MIIETF after you understand investing better.

Yes! When we calculate new profits we use your total value including all previous profits. This means you're earning profit on your profits - that's how compounding works.

Currently Save+ only supports MICF but in the future Save+ may offer additional funds giving you more choices.

Mahaana is licensed and regulated by the Securities and Exchange Commission of Pakistan (SECP) and the Central Depository Company (CDC) performs trustee functions.

Mahaana's credentials can be verified via the SECP's licensed entities list and CDC's trustee documentation for added assurance.

Every withdrawal takes a proportional amount from both your investment and profits. The ratio stays the same as your current investment-to-profit ratio.

No your profits aren't sitting separately - they're part of your units. Every PKR 100 in your account contains both investment and profit in the same ratio as your total balance.

Yes! Your daily profits automatically become part of your investment value. When we calculate tomorrow's profit it's based on your total value (initial investment plus all accumulated profits) so you're earning returns on your returns - that's compounding in action!

Not at all! Your returns are based on what's already invested. The monthly investment plan you selected is completely optional - think of it more like a goal than a rule. You'll keep earning profits on your existing investment whether you add more money or not.

Not at all! The monthly plan you selected is just a suggestion not a commitment. You can invest whenever you want skip months or invest different amounts - it's totally flexible. Your profits are earned on whatever amount you have invested whether you make regular deposits or not.

The monthly investment amount is just to help you plan your savings goals. It's not a commitment or requirement. You have complete flexibility to invest more less or skip months entirely - your profits continue regardless of your deposit pattern.

Keep some money in regular bank for daily use. Then good plan is: Emergency fund in Save+ long-term money in MIIETF if you can take risk.

Good way to split: 1) Keep PKR 50000 in bank for monthly use 2) Put PKR 200000 in Save+ for emergency 3) Rest PKR 250000 in MIIETF if you don't need for 3-5 years.

Mahaana offers Islamic investment options that let you grow your money the halal way. You can start with just PKR 1000 in our Save+ fund which is perfect for beginners. Just visit www.mahaana.com click 'Get Started' and you can open your account in minutes with just your CNIC.

If it's for Save+ put all bonus at once to start earning. If for MIIETF maybe split it into 3-4 parts and invest over few months to reduce risk.

Both have benefits. Property needs lots of money at once. With Mahaana you can: 1) Start small 2) Take out money easily 3) No hassle of papers/registry 4) See profit daily.

While we can't guarantee future returns you can check our latest performance at www.mahaana.com/micf for Save+ or www.mahaana.com/miietf for our stock market fund. Our Save+ fund gives steady returns that are typically better than regular savings accounts.

While it's not a bank account it's just as accessible. You can withdraw your money anytime (typically takes 1-2 business days) and there are no penalties or lock-in periods. The main difference is you have the potential to earn better returns than a regular bank account.

Don't worry! We've made everything simple to understand. Our portal shows your investment value clearly and our support team is always ready to explain anything you're unsure about. You don't need any investment experience to start.

As a digital-first investment company we've deliberately chosen to minimize physical infrastructure costs. While our operations team is based in Karachi we don't maintain offices for client visits. Our customer support team is available through email: hello@mahaana.com WhatsApp and Phone.

Not together. Save+ gives safety but moderate return. MIIETF gives chance of high return but with risk of loss.

As a digital-first company we minimize physical infrastructure costs to keep our management fees as low as possible for investors.

Not at all! Everything is online through our website. Open your account invest track your returns and make withdrawals - all from your phone or computer. No office visits needed.

Mahaana Wealth Limited operates under SECP regulations. Both SECP and CDC monitor and verify its adherence to financial and operational standards ensuring that all investments are handled responsibly.

No Mahaana can't access or use your invested money. The assets are held by an independent trustee which ensures that your investment is secure and returned to you if the company ceases operations.

Absolutely! We're regulated by SECP (like banks are regulated by State Bank) your money is held by CDC as trustee and we only make Shariah-compliant investments. Plus you can track every rupee 24/7 through your online account.

For Save+: Market ups and downs don't affect it - invest normally. For MIIETF: Market being down is actually good for monthly investors - you get more shares for same money.

Your profits aren't sitting separately - they're part of your units. Every withdrawal takes a proportional amount from both investment and profits based on their ratio in your total amount.

When you make a withdrawal it comes from both your investment and profits proportionally. If you have PKR 60000 total (PKR 50000 investment plus PKR 10000 profit) and withdraw PKR 5000 about PKR 4167 comes from investment and PKR 833 from profit.

You can request a withdrawal anytime through your online account. It typically takes 1-2 business days to reach your bank account. There are no penalties or lock-in periods.

You get more units. When you invest more money we divide your new investment by that day's NAV to give you additional units. Your existing units keep their same value.

Check your account statement - it shows both your total units and what each unit is worth (NAV). For example if you invested PKR 10000 when NAV was PKR 100 you'd have 100 units.

Yes! When NAV increases each unit you own is worth more. In Save+ (MICF) NAV only goes up because it's a very low-risk fund.

Your total investment is divided into units. NAV (Net Asset Value) is the price of one unit. When NAV goes up each unit you own becomes worth more.

While we understand the value of regular automated investing automatic debit facilities are "not" available yet. Currently to maintain a SIP-like investment pattern you would need to make manual investments through your Mahaana portal.

While we understand the value of regular automated investing automatic debit facilities are "not" available yet. Currently to maintain a SIP-like investment pattern you would need to make manual investments through your Mahaana portal.

You don't need to worry about submitting your CZ-50 form right now. Zakat is only calculated and deducted once a year on 1st Ramadan. We will reach out to all investors a few weeks before Ramadan through both email and app notifications.

In Save+: Invest 25 times the monthly income you want. Ask us to calculate exact amount.

At this age safety is important. Keep more money in Save+. If putting in MIIETF use smaller amounts that you won't need for long time.

OTP messages are received on email please check your junk/spam inbox.

At young age you can take some risk. Good plan: Put 3 months salary in Save+ for emergency then try MIIETF monthly for long-term growth.

Best way to start: 1) Put PKR 1000 in Save+ 2) See how it works 3) Add more when comfortable 4) Learn about MIIETF 5) Start MIIETF only when you understand risk.

Start with our Save+ fund - it's perfect for beginners. Visit mahaana.com click 'Get Started' and create your account with just your CNIC. You can start with as little as PKR 1000 and watch your money grow daily.

Need large amount in Save+. Example: For PKR 50000 monthly need about PKR 15000000.

Keep 3-6 months of expenses in Save+. Example: If monthly expense is PKR 50000 keep PKR 150000-300000 in Save+ for emergency.

Use Save+ for marriage planning. Put whatever you can each month. Since marriage date is fixed and close don't use MIIETF - too risky for one year.

If needed in 1-2 years: Use Save+. If needed after 5+ years: Can use mix of Save+ and MIIETF.