DATA
KSE-100 1,65,801 POLICY 11.5% USD/PKR ₨276.92 GOLD/TOLA ₨4,35,000 1Y unavailable CPI 11.1%
Build date: 16 October 2026; observations have separate dates · Delayed: funds, inflation, savings
Budget 2026-27 source review
Pakistan investment calculator · 2026

Understand the numbers behind your savings.

Work through Pakistan-specific savings and share calculations. Inspect the source documents, download the inputs, and see how fees, payout timing and share splits change a result.

Worked examples Downloadable calculations No signup
↳ Compare an example amount
Explore how an allocation could be split
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Illustrative scenario Enter an amount
MARKET READOUT Build: 16 October 2026
KSE-100 Index166K
SBP policy rate11.5%
PKR / USD₨276.92
CPI inflation11.1%
Original calculations · dated source reviews

Follow the numbers, from source to result.

Completed calculations with downloadable inputs, formulas and stated limits.

01September SSC changeCalculate the PKR 1,050 reduction in gross three-year coupons on an assumed PKR 100,000 purchase. Reviewed 28 September.→ 02Systems share splitWhy a raw 80.18% price drop becomes a 0.91% decline after adjustment.→ 03Bank Alfalah resultsReconcile EPS and dividends across a two-for-one split.→ 04SSC cash flowsCalculate all six coupons, including the higher final period.→ 05Fund units and feesTest three NAV outcomes after an explicitly assumed sales load.→
FIG. 02 - DAILY BRIEF

The latest Pakistan market brief in 60 seconds.

KSE-100, the rupee, gold and PSX movers, with the source date shown in the underlying dataset.

SOURCE-DATED· 00:60 RUNTIME
LATEST BRIEF
FIG. 04 - Interactive tools Everything in 60 seconds
What if you'd invested?
Backtest five reviewed PSX shares with documented split adjustments, dated observations and elapsed-time CAGR.
SIP calculator
See what a monthly investment could grow to, with compounding on a chart.
Portfolio tracker
Add PSX stocks, gold and cash, then value them at the dataset's dated prices. No login.
Dated market context
Pakistan Market Snapshot
KSE-100: 2026-10-15 · Policy rate: collected 2026-10-15 · CPI: 2026-08; delayed · USD/PKR: Oct 15, 2026
166K
KSE-100 Index
11.5%
SBP Policy Rate
₨276.92
PKR / USD
11.1%
CPI Inflation
FIG. 01 - INDEX

KSE-100 history and budget scenarios.

Inspect the stored index series below. The linked budget review separately explains assumptions that could affect company earnings and market valuations; it does not explain every historical index move.

Read the budget scenarios
KSE-100 · index level
2020 - 2026
Index
Rate cycle
SBP policy rate trend
A macro series that interacts differently with savings products, funds and listed companies.
Rates
Dated gold reference
Pakistan Gold Price Reference
Collected 16 October 2026 · third-party local-rate reference via gold.pk
1Y return unavailable
₨4,35,000
24K · per tola
₨3,98,750
22K · per tola
₨3,72,949
24K · per 10 g
₨37,295
24K · per gram

Historical gold returns are unavailable until a dated source series is verified.

Gold rates and scenario calculator →
Notified fuel reference
Pakistan Petrol and Diesel Reference
OGRA-notified retail rates · effective 16 Oct 2026
w.e.f 16 Oct 2026
₨390.23
Petrol · per litre
₨396.96
Diesel (HSD) · per litre
₨329.54
Kerosene · per litre
₨272.29
LDO · per litre
Reference retail rates from the source shown above. Verify the current government notification.
Step 2 · Safe returns
National Savings: government-backed income
Compare CDNS schemes by rate, lock-in and estimated annual income for your amount.
Scheme Rate Tenure Payout Illustrative Annual Profit Eligibility Notes
Verify National Savings products
Check current eligibility, product terms and profit rates directly with the Central Directorate of National Savings before depositing.
Official Product List → Current Profit Rates
Profit rates change when CDNS publishes revised terms. Verify the current product page and rate notice before investing.
Step 3 · Managed growth
Mutual funds: managed growth and liquidity
Screen SECP-regulated funds by risk, Shariah status, track record and minimum investment.
Verify fund data before choosing
Compare the current NAV, return period, risk profile and fees. This screen does not rank or endorse a fund manager.
MUFAP Daily Performance → Read the Fund Guide
Mutual fund returns are historical. Past performance does not guarantee future results.
Step 4 · Equities
PSX sample: dividend and valuation data
Review a limited stock sample sorted by reported dividend yield. It is not a recommendation or a complete market screen.
Ticker Company Sector Price (PKR) 1Y Change Div Yield Annual Div P/E
Dividend yield comparison
Verify a broker before opening an account
Use the PSX directory to confirm TREC-holder status, then compare custody, fees and support independently.
PSX TREC-Holder Directory → PSX Investor Guide Read the Account Guide
Stock prices are indicative. Always verify on PSX before trading. This is not financial advice.
Step 5 · Allocation
Illustrative allocation scenario
An educational split for comparing asset categories, not a personal recommendation.
Allocation breakdown
Example allocation by category
How to evaluate the categories
Verify the underlying information
Use current primary sources before making any financial decision.
National Savings rates → MUFAP performance → PSX TREC-holder directory →
Educational information only. The scenario is not a return forecast, suitability assessment or financial recommendation. Consult a suitably regulated professional for personal advice.
What this site is

Pakistan savings and market data, with source dates

pakinvestlysis.com is a free education site for Pakistani savers comparing National Savings certificates, mutual funds, PSX stocks and gold. An automated pipeline attempts market-data refreshes during each trading day; event and monthly series update only when their publishers release a new value. The interface shows source dates and flags stale source groups when a refresh fails. The code is public, and the methodology page documents primary sources and labelled fallbacks.

The site is written and maintained by Abdul Ahad, a software engineer, not a licensed investment adviser. Nothing here is personalised financial advice or a recommendation to buy anything; use the source dates and original documents before relying on a figure.

Coverage

06 DESKS
01National SavingsCDNS rates, eligibility, access and inflation context.→ 02Mutual FundsFund categories, fees, risk labels and performance periods.→ 03PSX EquitiesDividend screens with payout and valuation context.→ 04Gold & MetalsDated tola and gram references, purity conversions and a user-set scenario.→ 05Tax & ZakatFiler vs non-filer treatment, slabs and the annual zakat calculation.→ 06Overseas InvestorsRDA access, NPC tax and repatriation rules with SBP sources.→
Read the figures correctly

Different datasets answer different questions

Primary sources
Sources: SBP decisions, CDNS rates, MUFAP performance, PSX data. Methodology reviewed on the data page.
DatasetUseful forDo not assumeVerify at
National Savings profit rateEstimating stated profit for an eligible productEvery investor qualifies, or the rate will remain unchangedCDNS
Mutual fund returnReviewing performance over the stated historical periodThe same return will repeat, or unlike fund categories are directly comparableMUFAP
Dividend yieldRelating declared dividends to the current share priceThe dividend is guaranteed or the share price cannot fallPSX Data Portal
CPI inflationUnderstanding recent changes in consumer pricesSubtracting one CPI print from any historical return gives your realised real returnPBS
Investment guides

Learn one decision at a time

View all guides →
NSNational Savings vs Funds MFStart a Mutual Fund SIP PSXDividend Screen SBPPolicy Rate Guide TBTreasury Bills TAXFiler vs Non-Filer Tax
FAQ

Pakistan investing questions

How much money do I need to start investing in Pakistan?
Minimum amounts differ by product and provider and can change. Check the current official product page, then compare fees, access and loss risk rather than choosing solely on the minimum.
Are National Savings better than mutual funds?
They solve different needs. National Savings products have stated profit terms and eligibility rules; mutual funds hold market assets, charge fees and can gain or lose value. Compare access, risk and time horizon rather than relying on one return figure.
Does the comparison include Islamic products?
The data includes funds marked Shariah-compliant by their providers. Verify the current fund documents and Shariah board disclosures before relying on that classification.
Is PSX investing risky?
Yes. Listed shares can fall sharply, remain below their purchase price and stop paying dividends. This site cannot assess whether that risk is suitable for a particular reader.
Can overseas Pakistanis invest?
The Roshan Digital Account supports remote access to Naya Pakistan Certificates, PSX stocks and funds. Read the overseas investor guide and verify eligibility with SBP.
How often are rates updated?
Collection schedules differ by source, and a failed fetch can leave the last successful value visible. Check the displayed cutoff and data-health warning, then verify the original publisher.
Educational content only. Values can fall as well as rise. Verify time-sensitive figures with the original publisher and read the provider's current terms.