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NBP FUNDS Managing Your Savings

Investment of Rs. 10 lacs grew to


Rs. 23.8 lacs in only 5 Years in
NAFA Stock Fund
(For more details please see page # 4)

Investment Guide
For More Information
0800-20002

www.nbpfunds.com
INVEST to 9995 info@nbpfunds.com

/nbpfunds NBP Fund Managment Limited


AM1
Rated by PACRA

Disclaimer: All investments in Mutual Funds and Pension Funds are subject to market risks. Past performance is not necessarily indica�ve of future results. Please read
the Offering Documents of the Fund to understand the investment policies and risk involved.
KEY ADVANTAGES OF INVESTING IN A MUTUAL FUND
Professional Investment Management Tax credit as per the applicable tax laws
Diversification Liquidity and Ease of withdrawal

Why invest with NBP Funds


Subsidiary of National Bank of Pakistan

Rated 'AM1' (Very High Quality) by PACRA. Highest rating offered to Asset Management Companies in Pakistan

Highly qualified and experienced management team

Good performance track record of Funds

No lock-in period. You can redeem your investment at any time you wish

There is no penalty or charge at the time of encashment

Largest retail network. Presence in all major cities of Pakistan

Investment can be encashed at any ATM all over Pakistan through debit card

Transfer of redemption proceeds into your bank account upto Rs. 15 Lacs within 45 minutes with SWIFTPAY Facility. (terms & conditions apply)**

Units can be used as a collateral to avail bank financing

Free of cost Accidental Death and Permanent Disability Insurance of upto Rs. 5,000,000. (terms & conditions apply)

Cause Minimum Investment Waiting Period Sum Insured


Accidental Death or Rs. 1 Million or the invested amount
Permanent Disability Rs. 1 Lac - whichever is lower
Death due to any 4months
Rs. 3 Million (1-3 months only accidental death and
Rs. 3 Million
reason permanent disability coverage)

NBP Funds - Growth of Rs. 10 Lacs in last 5 years*

NAFA Stock Fund NAFA Asset Alloca�on Fund NAFA Income Opportunity Fund
Annualized
Return 18.9% 12.6% 9.5%

NSF

23.8 Lacs
Rs. Lacs

18.1 Lacs

15.8 Lacs

NAAF
NIOF

10.0 Lacs
Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18
* Ending September 28, 2018

**Maximum limit is Rs.15 Lacs or 80% of investment balance in a fund whichever is lower. Time may vary in case of unforeseen events or due to any other technical reason. This facility will be available from 9:30

01 a.m. to 4:00 p.m. from Monday to Friday.


Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of frontend load. Taxes apply as per current income tax law.
Disclaimer: All investments in mutual funds and pension funds are subject to market risks. Past Performance is not necessarily indica�ve of future results. Please read the Offering Documents to understand
investment policies and the risks involved.
NAFA Income Opportunity Fund
Investors earned a monthly profit
of Rs. 5,901 on investment
Fu
nd S
tability Rati
ng of Rs. 10 lacs in September 2018
A(f)
Rated by
PACRA
Fund Investment Objective: To seek maximum possible preservation of capital and a reasonable
rate of return via investing primarily in money market & debt securities having good credit
rating and liquidity. Mahana Amdani Scheme
Fund Size: PKR 582 Crore as on September 29, 2018. Bachat Scheme
Category: Income Scheme.
Start investing with PKR 10,000 only
Performance of NAFA Income Opportunity Fund (NIOF) as of September 29, 2018

Total Return
FY - 2018 FY - 2017 FY - 2016 FY - 2015 FY - 2014
Oct 13 - Sep 18
NIOF 57.7% 5.3% 6.3% 7.5% 13.2% 16.6%
Benchmark* 43.6% 6.3% 6.1% 6.5% 9.0% 9.8%
* Benchmark: 6-month KIBOR.
Annualized return since incep�on of Fund on April 21, 2006 is 8.0% p.a. vs Benchmark return of 10.0% p.a. Last one year return (October 2017 to September 2018)
is 5.9% versus benchmark return of 6.8%.
Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of front end load. Taxes apply as per current income tax law.

NAFA Income Opportunity Fund - Growth of Rs. 10 Lacs in last 5 years*

NAFA Income Opportunity Fund Benchmark


Annualized
Return 9.5% 7.5%

15.8 Lacs

14.4 Lacs
Rs. Lacs

10.0 Lacs
Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18
* Ending September 29, 2018

Disclaimer: All investments in mutual funds are subject to market risks. Past performance is not necessarily indica�ve of future results. Please read the Offering
Documents to understand investment policies and the risks involved. The scheme holds certain non-compliant investments. Before making any investment
decision, investors should review the latest monthly Fund Manager Report and Financial Statements. The reported returns may include provisioning and reversal
02
of provisioning against some debt securi�es.
NAFA Asset Allocation Fund
Investment of Rs. 10 Lacs grew to
Rs. 18.1 Lacs in only 5 Years*

Fund Investment Objective: To generate income by investing in Debt & Money Market securities
and to generate capital appreciation by investing in equity and equity related securities.
Fund Size: PKR 313 Crore as on September 28, 2018.
Category: Asset Allocation Scheme.
Start investing with PKR 10,000 only
Performance of NAFA Asset Allocation Fund (NAAF) as of September 28, 2018

Total Return
FY - 2018 FY - 2017 FY - 2016 FY - 2015 FY - 2014
Oct 13 - Sep 18
NAAF 81.1% (6.8%) 29.9% 7.6% 24.6% 13.7%
Benchmark** 46.5% (2.8%) 14.2% 6.2% 9.6% 15.3%
**Benchmark: Daily weighted return of KSE-30 Total Return Index & 6-month KIBOR based on funds actual alloca�on. (Effec�ve from September 01, 2016; Previous-
ly 1/3 of average 3-month bank deposit rate; 1/3 of 6-month KIBOR; 1/3 of KSE 30 Index Total Return.
Annualized return since incep�on of Fund on August 20, 2010 is 16.0% p.a. vs Benchmark return of 9.8% p.a. Last one year return (October 2017 to September 2018)
is 0.2% versus benchmark return of 3.2%.
Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of front end load. Taxes apply as per current income tax law.

NAFA Asset Alloca�on Fund - Growth of Rs. 10 Lacs in last 5 years*

NAFA Asset Alloca�on Fund Benchmark


Annualized
Return 12.6% 7.9%

18.1 Lacs
Rs. Lacs

14.7 Lacs

10.0 Lacs
Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18
* Ending September 28, 2018

03 Disclaimer: All investments in mutual funds are subject to market risk. Past performance is not necessarily indica�ve of future results. Please read the offering
documents to understand the investment policies and the risk involved.
NAFA Stock Fund
Investment of Rs. 10 lacs grew to
Rs. 23.8 lacs in only 5 Years*

Fund Investment Objective: To provide investors with long term capital growth from an
actively managed portfolio invested primarily in listed equities in Pakistan.
Fund Size: PKR 1,625 Crore as on September 28, 2018.
Category: Equity Scheme.
Start investing with PKR 10,000 only
Performance of NAFA Stock Fund (NSF) as of September 28, 2018

Total Return
FY - 2018 FY - 2017 FY - 2016 FY - 2015 FY - 2014
Oct 13 - Sep 18
NSF 137.8% (9.7%) 33.7% 11.4% 36.9% 36.3%
Benchmark** 58.6% (10.0%) 17.9% 7.1% 12.3% 29.6%
** Benchmark: From Jan 2014 KSE-30 Total Return Index, previously KSE-30 Index.
Annualized return since incep�on of the Fund on January 19, 2007 is 15.3% p.a. versus the Benchmark return of 5.9% p.a. Last one year return (October 2017 to
September 2018) is -1.6% versus benchmark return of -2.0%.
Note: Performance is based on dividend reinvestment gross of withholding Taxes, excluding cost of front end load. Taxes apply as per current income tax law.

NAFA Stock Fund - Growth of Rs. 10 Lacs in last 5 years*

NAFA Stock Fund Benchmark


Annualized
Return 18.9% 9.7%

23.8 Lacs
Rs. Lacs

15.9 Lacs

10.0 Lacs

Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18


* Ending September 28, 2018

Disclaimer: All investments in mutual funds are subject to market risk. Past performance is not necessarily indica�ve of future results. Please read the offering 04
documents to understand the investment policies and the risk involved.
ENJOY LIFE AFTER RETIREMENT BY INVESTING IN
NAFA Pension Fund
Fund Investment Objective: To provide a secure source of savings and regular income after
retirement to participants.
Fund Size: PKR 213 Crore as on September 28, 2018.
Category: Voluntary Pension Scheme.

Key benefits:
Regular Income stream after retirement Tax free withdrawal of upto 50% at retirement

Financial Security Upto 30% Tax Benefit

Peace of mind Better standard of living after retirement

Who can invest?


Individuals Employers on behalf of their employees
Total Return
Funds
Last 1 Year FY - 2018 FY - 2017 FY - 2016 FY - 2015 Since Inception
(July 02, 2013)

NPF - Equity (2.5%) (7.4%) 37.3% 14.8% 49.6% 200.1%


NPF - Debt 4.7% 4.3% 4.4% 5.5% 17.3% 47.8%
NPF - Money Market 4.7% 4.4% 4.4% 4.9% 7.8% 34.2%
Returns upto September 28, 2018.

NAFA Pension Fund - Growth of Rs. 10 Lacs Since Incep�on*

Equity sub-fund Debt sub-fund Money Market sub-fund


Annualized
Return 23.3% 7.7% 5.8%

30.0 Lacs
Rs. Lacs

14.8 Lacs
13.4 Lacs

10.0 Lacs
Jul 13 Jul 14 Jul 15 Jul 16 Jul 17 Sep 18
*Since Incep�on (July 02, 2013 to September 28, 2018)

05 Note: The calcula�on of performance does not include cost of frontend load. Taxes apply as per current income tax law.
Disclaimer: All investments in pension funds are subject to market risk. Past performance is not necessarily indica�ve of future results. Please read the offering
documents to understand the investment policies and the risk involved.
What is inflation?
Inflation is the rate at which the price of goods and services increases in a country. Inflation eats
away the purchasing power of money, and reduces the value of savings and investment.

How inflation can affect your savings?


One cannot ignore the biting impact of inflation on savings if they are not invested at a rate
above inflation.
1,000,000 934,579 Real value of Rs. 1,000,000/-
(Assuming infla�on rate of 7.0%)
900,000
800,000
712,986
700,000
600,000
508,349
500,000
Rs.

400,000 362,446
300,000 258,419
200,000
100,000
0
1 5 10 15 20
No. of Years

How to safeguard savings from inflation?


Initial Investment Value
Dividend/Profit Monthly Investment Value
Investment Avenue Risk Profile Investment after 5 years -
Rate p.a. Dividend/Profit^ after 5 years
Inflation Adjusted***
Stock Market High 5% 1,000,000 4,167 2,011,357** 1,434,070

Balanced Approach* Medium 5% 1,000,000 4,167 1,435,629** 1,023,584

Saving Account Low 5% 1,000,000 4,167 1,000,000 712,986

* Assuming 50% investment in Stock Market and 50% investment in Saving Accounts.
** Assuming equity capital growth of 15.0% p.a and dividend/profit rate p.a of 5.0% (versus historical equity capital growth of 20.0% p.a in last 16 years and 6.0%
average return of bank deposits).
*** Assuming infla�on of 7.0% p.a.
^Annual dividend/profit divided in equal monthly installments.

Benefits of investing early and at a higher return


Future value of investment of Rs. 1,000,000/- (lump sum) Future value of investment of Rs. 10,000/- (Per month)
Assumed annual profit rate Assumed annual profit rate
Years 5% 10% 15% Years 5% 10% 15%
1 1,050,000 1,100,000 1,150,000 1 123,226 126,405 129,542
5 1,276,282 1,610,510 2,011,357 5 680,900 771,717 873,421
10 1,628,895 2,593,742 4,045,558 10 1,549,921 2,014,576 2,630,182

15 2,078,928 4,177,248 8,137,062 15 2,659,035 4,016,212 6,163,656


20 2,653,298 6,727,500 16,366,537 20 4,074,578 7,239,867 13,270,734
Disclaimer: This publica�on is for informa�onal and educa�onal purpose only and nothing herein should be construed as a solicita�on, recommenda�on or an
offer to buy or sell the fund. All investments in mutual funds and pension funds are subject to market risks. Past Performance is not necessarily indica�ve of 06
future results. Please read the Offering Document to understand investment policies and the risks involved. Taxes apply.
50%
Upto 20% through Mutual Funds
TAK TAX MEIN BACHAT
KAY BOJH
KO
GHATAIEN
Upto 30% through Voluntary Pension Schemes

Reduce your tax liability & earn competitive returns all together by following these steps:-
Step#1. Invest in NBP Funds up to your tax ceiling before June 30, 2019.
Step#2. Claim Tax Credit on your tax liability of 2018 - 2019 from your investment.
Following table shows tax ceiling for various taxable income brackets for salaried and non-salaried individuals.

Illustra�on of Tax Credit on Investment in Mutual Funds


and Voluntary Pension Schemes (VPS)
Tax Required Tax Required Tax (savings) Total Total Tax Credit
Monthly Annual (savings) Investment (savings) in Mutual
Amount Investment in Investment VPS -
Taxable Taxable in Mutual in Mutual Funds and VPS
(as per Tax Mutual in
Income Income Funds 1 3 2 up to 30%3
Law) Funds VPS Funds + VPS Rupees %

B= C D= E= F= G= H= I=
A =B*20% C x Tax B x 30% E x Tax C+E D+F H/G
A x 12 rate rate
100,000 1,200,000 2,000 240,000 400 360,000 600 600,000 1,000 0.2%
200,000 2,400,000 60,000 480,000 12,000 720,000 18,000 1,200,000 30,000 2.5%
Individual
Salaried

325,000 3,900,000 275,000 780,000 55,000 1,170,000 82,500 1,950,000 137,500 7.1%
650,000 7,800,000 1,050,000 1,560,000 210,000 2,340,000 315,000 3,900,000 525,000 13.5%
1,000,000 12,000,000 2,090,000 2,000,000 348,333 3,600,000 627,000 5,600,000 975,333 17.4%
2,000,000 24,000,000 5,090,000 2,000,000 424,167 7,200,000 1,527,000 9,200,000 1,951,167 21.2%
100,000 1,200,000 2,000 240,000 400 360,000 600 600,000 1,000 0.2%
200,000 2,400,000 60,000 480,000 12,000 720,000 18,000 1,200,000 30,000 2.5%
Non-Salaried

250,000 3,000,000 150,000 600,000 30,000 900,000 45,000 1,500,000 75,000 5.0%
Individual

325,000 3,900,000 330,000 780,000 66,000 1,170,000 99,000 1,950,000 165,000 8.5%
415,000 4,980,000 595,000 996,000 119,000 1,494,000 178,500 2,490,000 297,500 11.9%
1,000,000 12,000,000 2,630,000 2,000,000 438,333 3,600,000 789,000 5,600,000 1,227,333 21.9%
2,000,000 24,000,000 6,110,000 2,000,000 509,167 7,200,000 1,833,000 9,200,000 2,342,167 25.5%
Amount in PKR

Notes:
1. Mutual Funds:
Investment amount eligible for Tax credit is up to 20% taxable income or Rs. 2,000,000/- whichever is lower. Holding period of investment of atleast 24 months from the date of investment is required to avail tax credit.
2. Voluntary Pension Schemes (VPS) / Pension Funds:
Investment amount eligible for tax credit is up to 20% of taxable income. For persons age 41 and above, an additional 2% per year investment for each year exceeding the age of 40 is eligible for tax credit subject to
a cap of 30% of the preceding year’s taxable income. Pre-mature withdrawal from Pension Fund is subject to tax. Lump sum withdrawal in excess of 50% at or after retirement age will be subject to tax.
3. Taxation:
Please refer to the Income Tax Ordinance 2001, Section 62, 63, and 156 B to understand the Tax Law fully and the terms and conditions that apply. Tax rates are for FY 2018-19.

07 Disclaimer: All investments in Mutual Funds and Pension Funds are subject to market risks. Past performance is not necessarily indicative of future results. Please read the Offering Documents of the
Fund to understand the investment policies and risk involved.
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NBP 2019
2018- 2019

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I= H= G= F= E= D= C B=
E x Tax B x 30% C x Tax * A
H/G D+F C+E rate rate =B 20% A x 12
0.2% 1,000 600,000 600 360,000 400 240,000 2,000 1,200,000 100,000
2.5% 30,000 1,200,000 18,000 720,000 12,000 480,000 60,000 2,400,000 200,000
7.1% 137,500 1,950,000 82,500 1,170,000 55,000 780,000 275,000 3,900,000 325,000
13.5% 525,000 3,900,000 315,000 2,340,000 210,000 1,560,000 1,050,000 7,800,000 650,000
17.4% 975,333 5,600,000 627,000 3,600,000 348,333 2,000,000 2,090,000 12,000,000 1,000,000
21.2% 1,951,167 9,200,000 1,527,000 7,200,000 424,167 2,000,000 5,090,000 24,000,000 2,000,000
0.2% 1,000 600,000 600 360,000 400 240,000 2,000 1,200,000 100,000
2.5% 30,000 1,200,000 18,000 720,000 12,000 480,000 60,000 2,400,000 200,000
5.0% 75,000 1,500,000 45,000 900,000 30,000 600,000 150,000 3,000,000 250,000
8.5% 165,000 1,950,000 99,000 1,170,000 66,000 780,000 330,000 3,900,000 325,000
11.9% 297,500 2,490,000 178,500 1,494,000 119,000 996,000 595,000 4,980,000 415,000
21.9% 1,227,333 5,600,000 789,000 3,600,000 438,333 2,000,000 2,630,000 12,000,000 1,000,000
25.5% 2,342,167 9,200,000 1,833,000 7,200,000 509,167 2,000,000 6,110,000 24,000,000 2,000,000

-1

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2018-19

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‫‪15%‬‬ ‫‪10%‬‬ ‫‪5%‬‬ ‫����‬ ‫‪15%‬‬ ‫‪10%‬‬ ‫‪5%‬‬ ‫����‬
‫‪129,542‬‬ ‫‪126,405‬‬ ‫‪123,226‬‬ ‫‪1‬‬ ‫‪1,150,000‬‬ ‫‪1,100,000‬‬ ‫‪1,050,000‬‬ ‫‪1‬‬
‫‪873,421‬‬ ‫‪771,717‬‬ ‫‪680,900‬‬ ‫‪5‬‬ ‫‪2,011,357‬‬ ‫‪1,610,510‬‬ ‫‪1,276,282‬‬ ‫‪5‬‬
‫‪2,630,182‬‬ ‫‪2,014,576‬‬ ‫‪1,549,921‬‬ ‫‪10‬‬ ‫‪4,045,558‬‬ ‫‪2,593,742‬‬ ‫‪1,628,895‬‬ ‫‪10‬‬
‫‪6,163,656‬‬ ‫‪4,016,212‬‬ ‫‪2,659,035‬‬ ‫‪15‬‬ ‫‪8,137,062‬‬ ‫‪4,177,248‬‬ ‫‪2,078,928‬‬ ‫‪15‬‬

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‫‪13,270,734‬‬ ‫‪7,239,867‬‬ ‫‪4,074,578‬‬ ‫‪20‬‬ ‫‪16,366,537‬‬ ‫‪6,727,500‬‬ ‫‪2,653,298‬‬ ‫‪20‬‬
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‫‪200.1%‬‬ ‫‪49.6%‬‬ ‫‪14.8%‬‬ ‫‪37.3%‬‬ ‫)‪(7.4%‬‬ ‫)‪(2.5%‬‬ ‫‪���� - NPF‬‬
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‫‪47.8%‬‬ ‫‪17.3%‬‬ ‫‪5.5%‬‬ ‫‪4.4%‬‬ ‫‪4.3%‬‬ ‫‪4.7%‬‬ ‫‪����� - NPF‬‬
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‫‪34.2%‬‬ ‫‪7.8%‬‬ ‫‪4.9%‬‬ ‫‪4.4%‬‬ ‫‪4.4%‬‬ ‫‪4.7%‬‬
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‫ﺟﻮﻻ�‪13‬‬ ‫ﺟﻮﻻ�‪14‬‬ ‫ﺟﻮﻻ�‪15‬‬ ‫ﺟﻮﻻ�‪16‬‬ ‫ﺟﻮﻻ�‪17‬‬ ‫ﺳﺘﻤ�‪18‬‬
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‫�‬ ‫*ﻓﻨﮉ � آﻏﺎز‪ 2‬ﺟﻮﻻ� ‪28 � 2013‬‬
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‫���  �  �  �۔  �  ������  �  �  �  �  ��  ��  �������  �  ��  ��۔���  ����  �  ������  ������  ��ِ�  �  ��  �  �  �‬ ‫ ‬ ‫�‬ ‫ ‬ ‫�‬ ‫�‬
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‫‪2014‬‬ ‫‪2015‬‬ ‫‪2016‬‬ ‫‪2017‬‬ ‫‪2018‬‬ ‫ﺳﺘﻤ� ‪18‬‬ ‫ا�ﺘ��ﺮ ‪- 13‬‬

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‫‪36.3%‬‬ ‫‪36.9%‬‬ ‫‪11.4%‬‬ ‫‪33.7%‬‬ ‫)‪(9.7%‬‬ ‫‪137.8%‬‬
‫‪29.6%‬‬ ‫‪12.3%‬‬ ‫‪7.1%‬‬ ‫‪17.9%‬‬ ‫)‪(10.0%‬‬ ‫‪58.6%‬‬ ‫�  ����**‬
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‫‪18.9%‬‬ ‫‪9.7%‬‬ ‫�����  ��‬

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‫‪15.3%‬‬ ‫‪9.6%‬‬ ‫‪6.2%‬‬ ‫‪14.2%‬‬ ‫)‪(2.8%‬‬ ‫‪46.5%‬‬ ‫**�  ����‬
‫�‬ ‫��‬ ‫��‬
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�� 2018�29 �������  �  �  � �� ����  ��� NAFA
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2014 2015 2016 2017 2018 18�‫ﺳﺘﻤ‬
� - 13 ‫ا�ﺘ��ﺮ‬
16.6% 13.2% 7.5% 6.3% 5.3% 57.7% �
9.8% 9.0% 6.5% 6.1% 6.3% 43.6% ����  �**
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Head Office
7th Floor Clifton Diamond Building, Block No. 4, Scheme No. 5, Clifton Karachi

Islamic Savings Centre (Hyderabad) Islamic Savings Centre (Sialkot)


Hyderabad Sialkot Branch
Plot # 1054 station road near Haider Office # B1-16-S, Paris Road, Sialkot.
Chowk Ghari Khata Hyderabad. Ph #: 052 - 4581501-8 (08-Lines)
Ph #: 022-2720912-19
Islamic Savings Centre (Lahore) Islamic Savings Centre (Gujranwala)
Main Boulevard DHA Phase VI Branch Gunjranwala Branch
Plot No. 114, Sector Main Boulevard Building 94,96 Street# 2 Mohallah Bhatia
DHA Phase 6 C Lahore. Nagar GT Road Gujranwala.
Ph #: 042 - 37135560-2, Ph #: 055 - 3842601-06, 3842608
37135564-8 (7 Lines) 3252911 (08-Lines)
Faisal Town Branch Islamic Savings Centre
926-C Maulana Shaukat Ali Road, (Mirpur - Azad Jammu & Kashmir)
Faisal Town, Lahore. Mirpur - Azad Jammu & Kashmir
Ph #: 042 - 35175501-7 (7 Lines) Al Manzar building, Allama Iqbal road,
Plot #2, Nangi Mirpur Azad Jammu &
Main Market Gulberg II Branch Kashmir.
Regional Office 21-E Main Market
Ph #: 058 - 27448627-31 (05-Lines)
Gulberg II Lahore.
Ph#: 042 - 35752782-83, 35752734-40,
Regional Office (Hyderabad) 35752790-92 (12 Lines)
National Bank of Pakistan, Fatima
Jinnah Branch, 1st Floor, NBP Funds, Commercial Area Cavalry Ground
Fatima Jinnah Road, Hyderabad. Shop # 1 Plaza 65 Commercial Area
Cavalry Ground Lahore.
Ph#: 042 - 36670171-75 (5 lines)
36619878

Islamic Savings Centre (Faisalabad)


Faisalabad Branch
P-74 First Floor Liaqat Road Faisalabad.
Ph #: 041- 2610157-63 (07-Lines)
Islamic Savings Centre (Rawalpindi)

Bahadurabad
Shop No.10, Silver Line Apartments,
Sadiqabad Branch
Shop No. DT 183-184, Chirah Road,
Mian Jamal Uddin Afghani Road,
Sadiqabad, Muslim Town, Rawalpindi.
Plot No.15/5, Block-3, Bihar Muslim
Phone No. : 051-4573804-05
Cooperative Housing Society, Karachi.
(+92-21) 34929933-35 (3 Lines)

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