Al-Ameen Islamic Retirement Savings Fund

Al-Ameen Islamic Retirement Savings Fund allows you to enjoy a financially independent and carefree life even after you stop working.

Al-Ameen Islamic Retirement Savings Fund

Why invest in Al-Ameen Islamic Retirement Savings Fund?

  • Flexible allocation schemes to match your needs

  • Avail attractive Tax benefits

  • Avail Free Takaful Coverage

  • Start investing with Rs. 500

Al-Ameen Islamic Retirement Savings Fund is designed to offer you an easy and affordable means of growing your retirement savings in Shariah Compliant Money Market, Debt, and Equity sub-funds, so you can achieve a financially independent and rewarding life after retirement. Our Islamic Voluntary Pension Scheme is an excellent avenue to invest money according to Shariah Principles.

Four fixed allocation plans, a life cycle plan, and a customized allocation plan are available according to your choice and risk appetite.

Contact our team for more information about Islamic Voluntary Pension Scheme.

Al-Ameen Islamic Retirement Savings Fund (AIRSF) is ideal for investors who want:

  • To save towards your retirement in Shariah Compliant mode, starting with as low as Rs. 500/- and subsequent contributions at will.
  • To invest a lump sum amount or invest periodically.
  • To invest in different asset classes to have a diversified portfolio.
  • To avail tax credit on their investment.
  • To transfer their balance from recognized Provident /Gratuity/Superannuation Funds.


Note: Any early withdrawal OR in excess of 50% withdrawal at OR after retirement will attract Withholding tax as per Income Tax Ordinance, 2001 (U/s 23A of Part 1 of The Second Schedule). Income from Income Payment Plans is also subject to income tax in the hands of Participant as per Income Tax Ordinance, 2001 w.e.f 1st July, 2022 as the exemption has been withdrawn through The Finance Act, 2022.

Net Asset Value

Offer Price121.5277
Selling Price 120.1698
As on: 29-May-2024

Al-Ameen Islamic Retirement Savings Fund

Need more information about the fund? Here’s what you need to know.

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Fund Information
Rs.500Minimum investment
Rs.500Minimum subsequent investment
Investment charges 3% of Net Asset Value
Management fee (annual) Up to 1.5% p.a. (AIRSF-DSF), (AIRSF-MMSF); Up to 3% p.a. (AIRSF-ESF) of Net Asset Value
Fund ratingN/A
Trustee Fee (annual)

Up to 1 billion: Rs.0.3 million or 0.15% p.a. of Net Assets whichever is higher

1 billion to 3 billion: Rs.1.5 million plus 0.10% p.a. of Net Assets on amount exceeding Rs.1 billion

3 billion to 6 billion: Rs.3.5 million plus 0.08% p.a. of Net Assets on amount exceeding Rs.3 billion

Over 6 billion: Rs.5.9 million plus 0.06% p.a. of Net Assets on amount exceeding Rs.6 billion

Risk & Reward Potential


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    Disclaimer: All investments in Pension Funds are subject to market risks. The value of such investments may depreciate as well as appreciate subject to market fluctuations and risks inherent in all such investments. Investors should read the Offering Document carefully to understand the investment policies, risks and tax implications and should consult their legal, financial, or tax advisor before making any investment decisions. Withdrawals from the Pension Fund before the retirement age are subject to tax under the provisions of the Income Tax Ordinance, 2001. UBL Funds (Management company of Al-Ameen Funds) may share commission out of management fee earned to the sales teams of the Company or its distributor(s) earned on his/her/their own investment(s)

    Fund Documents

    Download the latest fund related document for UBL Special Savings Plan-I

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