Top 5 Mutual Funds in Pakistan for Monthly Income in 2025

 

🏦 Why Mutual Funds Are the Best Way to Earn Monthly Income in Pakistan

Are you searching for a safe and reliable investment in Pakistan that gives you monthly income without active trading or business risks?

Mutual funds are an ideal solution. They offer:

• Monthly profits through dividend payouts

• Low investment entry points (starting from PKR 500)

• Professional management by certified fund managers

• Tax savings under Section 62 of the Income Tax Ordinance

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📈 What Are Monthly Income Mutual Funds?

Monthly income mutual funds in Pakistan are designed to provide regular profit payouts, typically on a monthly basis, from the fund’s returns on investments like:

• Treasury bills

• Sukuks (Islamic bonds)

• Government securities

• High-yield money market instruments

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✅ Top 5 Mutual Funds for Monthly Income in Pakistan (2025)

1. Meezan Rozana Amdani Fund (MRAF)

• Type: Shariah-compliant income fund

• Monthly Payouts: Yes

• Minimum Investment: PKR 1,000

• Why It’s Popular:

  • Daily return calculation

  • Flexible withdrawal anytime

  • Ideal for Islamic investors seeking passive income

💡 Best for: Salaried professionals, retirees, and Islamic investors who want consistent halal income.

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2. UBL Liquidity Plus Fund

• Type: Conventional money market fund

• Monthly Payouts: Optional reinvest or withdraw

• Minimum Investment: PKR 500

• Why It’s Popular:

  • Very low-risk

  • High liquidity

  • Ideal for short-term capital parking

💡 Best for: Short-term investors or those needing cash flow flexibility.

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3. Faysal Islamic Cash Fund

• Type: Shariah-compliant money market fund

• Monthly Payouts: Yes

• Minimum Investment: PKR 5,000

• Why It’s Popular:

  • Daily compounding

  • Low volatility

  • Trusted by Islamic investors

💡 Best for: Those looking for a safe Islamic investment with steady returns.

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4. NBP Mahana Amdani Fund

• Type: Conventional income fund

• Monthly Payouts: Fixed monthly disbursement

• Minimum Investment: PKR 1,000

• Why It’s Popular:

  • Designed for monthly income

  • National Bank-backed stability

  • Easy to invest via NBP Fund Direct app

💡 Best for: Conservative investors preferring monthly cash flow from a national institution.

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5. NBP Riba Free Mahana Amdani Fund

• Type: Shariah-compliant income fund

• Monthly Payouts: Yes

• Minimum Investment: PKR 1,000

• Why It’s Popular:

  • Halal investment

  • Government-backed instruments

  • Stable profit distribution

💡 Best for: Islamic investors who want low-risk monthly income.

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💸 Example: How Much Monthly Income Can You Earn?

Investment Amount	Annual Return	Estimated Monthly Income
PKR 100,000	15%	PKR 1,250
PKR 500,000	15%	PKR 6,250
PKR 1,000,000	15%	PKR 12,500

(Note: Returns may vary. Always review official fund performance reports. Returns mentioned are for working/example purposes only)

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📲 How to Start Investing in Mutual Funds (Pakistan 2025 Guide)

1. Choose a fund (Meezan, NBP, UBL, Faysal)

2. Visit the fund manager’s website (e.g., nbpfunds.com, almeezaninvestments.com )

3. Create an investor account

4. Submit CNIC and Zakat Declaration

5. Transfer funds via bank or mobile wallet

6. Track profits via their mobile apps

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🔐 Tax Benefits & Legal Protections

• Enjoy up to 20% tax rebate (under section 63) by investing in Pension Funds.

• Regulated by SECP (Securities & Exchange Commission of Pakistan)

• All returns are fully documented and legal

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🏁 Final Thoughts

Whether you're a working professional, freelancer, or retired individual, investing in mutual funds can help you build a reliable second income stream in Pakistan — legally, safely, and efficiently.

This is not an investment advice. All investment in Mutual funds and Pension Funds are subject to market risks. Please read the offering documents before making any investment decision. For latest returns please view respective funds fund managers reports.