Smart, ethical investing — tailored for you.
At Bank Alfalah, we bring you a range of Islamic Mutual Funds that let you invest with confidence while staying true to your values. Your money is pooled with other investors and managed by professional fund managers. Every investment follows Shariah principles, giving you peace of mind as your wealth grows.
What is a Mutual Fund?
A mutual fund pools your money with other investors to create greater buying power. This allows you to access a wider range of investments than you could alone. Each investor owns units (or shares), representing a part of the fund’s portfolio.
Mutual funds may also be called collective investment schemes, unit trusts, or funds, depending on the country.
Funds are categorized by the type of assets they invest in — such as Shariah-compliant shares, Sukuk, cash with Islamic financial institutions, or other Shariah-compliant securities.
You can always review a fund’s prospectus and fact sheets to understand its objectives, strategy, and past performance.
Open-End Funds
Our Islamic Mutual Funds are open-end, which means you can buy or sell units directly through the fund or its agents.
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Units are issued or redeemed at specified times.
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Unit prices change with the fund’s Net Asset Value (NAV), reflecting performance.
This flexibility allows you to invest, redeem, or adjust as your needs change.
Fees of Islamic Mutual Funds
Mutual funds may carry certain fees. Always check the prospectus or fact sheet for exact charges. These can include:
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Management Fee – Charged for managing your investment.
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Front-End Load – A fee applied at the time of purchase.
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Back-End Load – A fee applied when selling units.
Types of Islamic Mutual Funds
Our funds follow Shariah principles and avoid interest-based transactions. Choose the one that matches your financial goals:
1. Islamic Money Market Funds
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Invest in short-term, high-grade Shariah-compliant securities.
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Aim to maintain stable returns with low risk.
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Examples: Islamic certificates of deposit, commercial paper.
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Best for investors seeking stability and liquidity.
2. Islamic Equity (Stock) Funds
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Invest mainly in Shariah-compliant stocks.
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Offer higher growth potential, but with higher risk.
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Funds may follow strategies (growth, value, large cap, small cap) or focus on themes (energy, healthcare, property).
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Suitable for long-term investors.
3. Islamic Sukuk (Fixed Income) Funds
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Invest in Sukuk issued by governments or corporations.
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Returns vary based on Sukuk type.
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Short-term Sukuk = lower risk, less volatility.
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Corporate Sukuk = higher returns, higher risk.
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Balanced option for investors seeking steady income.
4. Islamic Hybrid Funds
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Combine stocks, Sukuk, and money market instruments.
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Can be balanced funds, asset allocation funds, or lifecycle funds.
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Ideal for investors who want a mix of growth and security
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Shariah-compliant investing — Ethical and transparent.
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Professional management — Expert fund managers handle your investments.
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Choice and flexibility — From short-term stability to long-term growth.
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Access made easy — Get started with support from our dedicated teams.
Get Started
Investing is simple:
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Explore your preferred fund category.
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Review the prospectus and fact sheet.
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Start investing through Bank Alfalah.
For details:
📧 contactus@bankalfalah.com
📞 111-225-111 (24/7 helpline)
🏦 Visit your nearest branch.
FAQs
Still have questions? Visit our FAQ section or connect with us for quick guidance.
Disclaimer
Investments in Islamic Mutual Funds are subject to market risks. Past performance is not a guarantee of future returns. Please read the Terms & Conditions, prospectus, and fact sheets carefully to understand investment policies and risks. Bank Alfalah Limited acts only as a distributor of these investment products. Investors are advised to seek professional financial, legal, and tax advice before making any investment decisions.