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Mutual
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Mutual Funds
How to Invest?

A mutual fund is an investment portfolio managed by professional fund managers for many investors. You can kick back and relax while we generate profits for you.

  • JS Income Fund
  • JS Islamic Income Fund
  • JS Cash Fund

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Mutual Funds Onboarding

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Got Question?

We are here to help you!
What are Mutual funds?
  • Mutual funds are a investments consisting of a pool of money collected from many investors to invest on the customer’s behalf in, money market instruments, etc.
  • The objective of mutual funds is to generate returns for investors.

Mutual funds make saving and investing simple, accessible, and affordable. The advantages of Mutual Funds at Zindigi include the following:

  • Accessibility: Mutual Funds are available for you round the clock at Zindigi, with a digital investment platform that makes your transactions very simple.
  • Liquidity: You can convert your investments into cash whenever you want. We will transfer the money to your wallet within the 2-3 working days.
  • Diversification: Your investments are spread across multiple asset-classes and instruments; reducing your risk
  • Professional Management: An experienced, qualified, and dedicated fund managers performs these functions to ensure our investor’s money is in the best hands.
  • Low Risk: Your money is invested in different money market instruments due to which risk is reduced.

Yes, Zakat will be deducted at the time of redemption or on the profit earned on Mutual funds. If you want Zakat to not be deducted, please submit “Zakat Exemption Declaration” Form (CZ-50) before 1st of Ramazan via Zindigi app.

You can contact us through

  • In-app chat feature
  • UAN: 111-556-677
  • Email:Support@zindigi.pk
  • You can also message us on Facebook and Instagram
  • You will receive the Email and SMS to confirm your investments.
  • Within 2-3 days you can view your money in the portfolio.

You will be issued a system generated Account Statement which will be a proof for your investment with mutual funds through Zindigi.

 

No, you don’t have to create a separate account for mutual funds. We will receive your application automatically once you apply for mutual funds at Zindigi.

 

You can find the convert option next to invest option once the investment is done. You can convert from one fund to another fund any time by following the guideline given below:

  • Log onto your Zindigi app
  • Go to mutual funds option
  • Press the invest option and you will land on the screen with invest and convert option
  • Upon clicking the convert option, you will land on the convert screen.
  • Fill the given fields below and unit price of both funds will be read-only
  • Press next and review the transaction details
  • Add your 4-digit Pin and receive your transaction receipt.

It will take 2-3 working days to show conversion of funds on your portfolio.

You can perform the cash out option from your investment in mutual funds at any time. You have the option to withdraw the complete amount, or any amount based on your requirements by following the guide:

  • Log onto your Zindigi app
  • Go to mutual funds option
  • Select the fund you wish to cash out
  • Press the cash out button available on the Mutual fund landing page
  • Select the fund you wish you withdraw with units/ percentage or amount of the fund
  • Upon clicking next button, confirm the transaction details
  • Add your 4-digit Pin and receive your transaction receipt.

It takes upto 2 business days to transfer your funds to your respective Zindigi Account

 

  • Once you open the Mutual funds, you have to apply for start investing. It can take 24 working hours to activate your account.
  • You will receive a notification once the account is active, you can start investing. Amount will be deducted on your behalf from the wallet.

Deducted amount is not shown instantly, it can take upto 2-3 business days to be shown in your investment portfolio

 

The minimum amount you can invest /withdraw in a single transaction is a unit price of a fund while the maximum is PKR 25,000 per day.

Maximum annual investment limit can be up to PKR 100,000 during last one year, starting from the date of account creation and this limit will be reset every year. In case of withdrawal during the year, the annual limit will prevail as per the utilization will not be reset.

Maximum cumulative investment limit. i.e. net investment in flow is PKR 200,000 at any point in time

 

No, you cannot invest more even if you have withdrawn the amount.

Yes a platform fee of Rs.5 will be charged on every redemption regardless of amou

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| Last updated: 08-07-2025