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The Roshan Digital Account gives overseas Pakistanis a simple and secure way to invest in Pakistan. Through this program, Bank AL Habib offers Roshan Mutual Funds managed by AL Habib Asset Management. These funds can be purchased and redeemed digitally from anywhere in the world, giving Non-Resident Pakistanis a trusted channel to grow their savings while staying connected to their homeland.

What is Roshan Mutual Funds

Roshan Mutual Funds pool money from many investors and invest in a diversified portfolio of securities. With Bank AL Habib, you can choose from a wide range of funds including money market, income, asset allocation, equity, and Shariah compliant options. This flexibility allows you to select investments that match your financial goals with your risk appetite.

Funds available through Bank AL Habib

Bank AL Habib provides access to a broad set of AL Habib funds for RDA holders. Key options include:

• AL Habib Cash Fund (Money Market)
• AL Habib Income Fund (Income)
• AL Habib Government Securities Fund
• AL Habib Islamic Income Fund (Shariah Compliant
Income)
• AL Habib Asset Allocation Fund (Asset Allocation)
• AL Habib Stock Fund (Equity)
• AL Habib Islamic Stock Fund (Shariah Compliant Equity)
• AL Habib Money Market Fund
• AL Habib Islamic Cash Fund
• AL Habib Islamic Savings Fund
• Voluntary Pension Scheme Funds (Islamic and Conventional)

Why choose Bank AL Habib

Bank AL Habib is a natural choice for overseas Pakistanis looking to invest in Roshan Mutual Funds. Here is why:

• Integration with AL Habib Asset Management: The funds are managed by AL Habib Asset Management, a licensed and regulated manager with a proven track record.
• Simple digital onboarding: You can open a Roshan Digital Account, select funds, and complete transactions entirely online without visiting a branch.
• Professional expertise: AL Habib Asset Management brings local market knowledge and professional fund management to handle your investments.
• Regulatory compliance: All funds operate under State Bank of Pakistan and Securities and Exchange Commission of Pakistan (SECP) rules, ensuring transparency and security.
• Dedicated support: Bank AL Habib provides a strong service network, and a dedicated support team to guide you at every step.

Benefits of investing in Roshan Mutual Funds

• Professionally managed investments.
• Diversification across a range of securities.
• Easy digital access through your Roshan Digital Account.
• Full repatriation of proceeds in line with SBP rules.
• Choice between Conventional and Shariah compliant options.

How to invest

• Open a Roshan Digital Account with Bank AL Habib or apply for mutual funds with your existing Bank AL Habib`s RDA.
• You will receive confirmation and account details via email.
• Select Roshan Mutual Funds from the investment options, choose your preferred fund, and submit your request.
• Payment is made directly from your Roshan Digital Account.
• To redeem, place a redemption request online and proceeds will be credited back to your Roshan Digital Account.

Important to know

Roshan Mutual Funds are available only to Roshan Digital Account holders. Like all investments, mutual funds carry some risk. Money market funds aim for stability, while equity funds are designed for long term growth but may fluctuate in value. Select funds that suit your goals and risk profile.

Start your journey today

With Bank AL Habib, investing in Pakistan is simple, transparent, and secure. Explore Roshan Mutual Funds today and let your savings grow while you stay connected to Pakistan’s progress. Visit the Bank AL Habib Roshan Digital Account page or contact our 24/7 Roshan Digital customer support team to get started.