About - est. 2026

Free investment analysis for every Pakistani.

Pakistan Investment Education helps ordinary Pakistanis understand where to put their money - whether it's ₨ 10,000 or ₨ 10 million - without needing a financial advisor or a brokerage account.

Completely free

No signup, no fees, no hidden charges. Use the full tool with zero cost.

Daily-updated data

National Savings rates, PSX prices and mutual fund returns are refreshed every day.

Privacy first

All calculations happen in your browser. We never store your financial data.

Asset Classes Covered

20+

Investment Options Compared

Daily

Data Updates

Data Stored About You

What Pakistan Investment Education covers

Most Pakistani investors are overwhelmed by choice - National Savings certificates, dozens of mutual funds, hundreds of stocks. Our tool cuts through the noise by comparing the most important options side by side, personalised to your budget.

National Savings Schemes (CDNS)

We track all major schemes offered by the Central Directorate of National Savings, including Special Savings Certificates, Defence Savings Certificates, Regular Income Certificates, and Bahbood Savings Certificates. Rates are sourced from savings.gov.pk and updated as CDNS publishes new profit rates.

Mutual Funds (SECP-regulated)

We cover the top-performing mutual funds in Pakistan, with a focus on both Islamic (Shariah-compliant) and conventional funds. Return data is sourced from MUFAP (Mutual Funds Association of Pakistan) and fund houses' official websites. We include 1-year, 3-year, and 5-year annualised returns to give you a complete picture.

PSX Blue-Chip Stocks

We track the highest dividend-paying companies on the Pakistan Stock Exchange, sorted by dividend yield. Stock prices are updated daily from PSX data. We focus on KSE-100 companies with long track records of consistent dividend payments - the most suitable stocks for income-focused investors.

Our data sources

Every number traces to a primary source.

Central Directorate of National Savings (CDNS) Official profit rates for all National Savings schemes. Source: savings.gov.pk

MUFAP - Mutual Funds Association of Pakistan NAV history and performance data for all registered mutual funds. Source: mufap.com.pk

Pakistan Stock Exchange (PSX) Daily stock prices, dividend announcements, and market data. Source: psx.com.pk

State Bank of Pakistan (SBP) Policy rate decisions, inflation data, and PKR/USD exchange rate. Source: sbp.org.pk

Pakistan Bureau of Statistics (PBS) Official CPI inflation (via the PBS SDMX feed) and GDP figures. Source: pbs.gov.pk

Karachi Sarafa Market rates Daily 24K gold rates per tola and per gram, cross-checked so gram and tola figures always reconcile.

About the author

I built Pakistan Investment Education to answer one simple question that no website would answer in one place: if I put a given amount into National Savings, mutual funds or PSX stocks today, what would each actually earn me? Even to compare two options I had to open five different sites, juggle date formats, and crunch the numbers by hand. Nothing did it all in one place, so I built the thing I wished existed.

This tool was my answer: one place, updated daily, that does the maths for you. I'm not a licensed financial advisor - this is an educational tool, not personalised financial advice. Always consult a SECP-registered advisor before making significant investment decisions.

What I am is a software engineer, and that shapes how this site works in a way worth spelling out. I don't type rates into these pages - I write the code that fetches them from the primary source itself: the PSX data portal for share prices and dividends, SBP for the policy rate and reserves, CDNS for National Savings rates, MUFAP for fund returns, and the Pakistan Bureau of Statistics' own data feed for inflation. That pipeline runs twice every trading day, stamps every figure with when and where it was fetched, and flags anything stale instead of quietly serving old numbers as current. When a source breaks - as SBP's website did after a redesign in July 2026 - the failure is visible and fixed in code, not papered over. You can audit every fetch in the site's public repository. My credential isn't a finance licence; it's that nothing here depends on my opinion about a number.

If you find this useful, please share it with family and friends who are trying to grow their savings in Pakistan.

How this site gets built (a confession)

Full disclosure: Pakistan Investment Education is built by a two-member pair-programming team. One half is Abdul Ahad - a Pakistani software developer who got tired of there being no single tool for this, and who has the final say on everything that ships. The other half is Claude - an AI that writes fast, hedges every rate back to its official source, and holds strong opinions about em-dashes.

The division of labour, roughly:

Abdul brings

The Pakistani context an AI keeps getting subtly wrong, the call on which numbers actually matter to an ordinary family, the chai breaks, and the final veto on anything that reads like a robot wrote it.

Claude brings

Tireless typing at 3am with no demand for tea, the patience to hedge every single rate back to its official source, and an enthusiasm for tables that occasionally has to be talked down. Does not, contrary to rumour, get to publish anything without Abdul reading it first.

The house rules of the pairing:

Every rate is checked against savings.gov.pk, sbp.org.pk or fbr.gov.pk - the AI is confident, which is precisely why a human verifies it.
If a sentence sounds like it's entering a vocabulary contest, it gets cut.
Abdul holds the only key to the "publish" button. Claude has lobbying rights only.
Arguments about the Oxford comma are settled by whoever pays the hosting bill. (It's Abdul.)

The serious bit: AI helps us ship more guides, faster, and keep them current - but a real person signs off on every word, and every figure is checked against its official source (savings.gov.pk, sbp.org.pk, fbr.gov.pk). The maths is double-checked; the judgement stays human.

Important Disclaimer. Pakistan Investment Education provides general educational information only. It is not registered with SECP as an investment advisor, and the content on this site does not constitute personalised financial advice. Investment values can go up as well as down. Past performance of mutual funds and stocks does not guarantee future results. National Savings profit rates change periodically - always verify current rates at savings.gov.pk before investing. Consult a SECP-registered financial advisor before making significant investment decisions.