	LAHORE: PRIME MINISTER GILANI DIRECTS IT MINISTER TO EXPEDITE LICENSE AWARDING PROCESS FOR 3 G \| LAHORE: PRIME MINISTER GILANI ANNOUNCES 30 VIRTUAL UNIVERSITY IT COMPLEXES ACROSS PAKISTAN \| MUMBAI: AUSTRALIAN IPL PLAYER LUKE POMERSBACH GETS BAIL, NON BAILABLE CHARGE DROPPED DUE TO LACK OF EVIDENCE \| MUMBAI: LUKE POMERSBACH HAS TO SURRENDER PASSPORT, SUBMIT BAIL BONDS OF Rs 30,000 EACH \| NOWSHERA: ONE GUNNED DOWN BY UNIDENTIFIED PERSONS IN ALI BAIG: POLICE \| Updated: 20-05-12, 12:30 pm (Pakistan Standard Time - PST)
	LOTPTA 8.52 -.71 PTC 15.49 -.1 JSCL 16.57 .63 DGKC 40.49 -2.01 EFOODS 64.75 1.15 BYCO 10.29 .96 ENGRO 98.73 -4.26 BAFL 16.52 -.46 FCCL 5.83 -.26 HUBC 38.01 -.8 LUCK 121.52 -4.21 NBP 44.3 -.92 FATIMA 23.63 -.59 NML 49.78 -2.06 AHCL 33.29 -.83 FFC 115.99 -2.25 NIB 2.16 -.01 AICL 75.39 3.59 KESC 3.54 -.06 PSO 253.2 -6.41 FFBL 40.28 -.74 PPL 182.29 -3.89 TRG 3.51 -.12 EPCL 11.24 -.26 POL 363.25 -7.02 SILK 2.13 -.08 ATRL 120.2 -3.84 UBL 78.67 -4.14 PAKRI 16.29 .01 AKBL 14.38 -.39 --- Updated: 19-05-12, 10:47 am (Pakistan Standard Time - PST)
	AHCL 33.50 -0.6 AKBL 14.40 -0.29 ATRL 120.00 -4.6 BAFL 16.75 -1 BOP 8.65 -0.33 BYCO 10.30 1 DGKC 40.90 -1.47 DSFL 1.80 -0.06 ENGRO 99.10 -2.9 FATIMA 23.80 -0.88 FCCL 5.89 -0.16 FFBL 40.35 -0.96 FFC 116.00 -2.2 JPGL 1.67 0 LOTPTA 8.55 -0.68 LPCL 4.16 -0.26 NBP 44.50 -0.67 NCL 19.00 0 NIB 2.18 -0.02 NICL 3.33 0 NML 49.80 -1.99 PACE 2.45 -0.07 PAKRI 16.15 -0.3 SILK 2.19 -0.03 WTL 2.81 -0.04 --- Updated: 18-05-12, 4:06 pm (Pakistan Standard Time - PST)
	BOP 8.650.33 LOTPTA 8.530.7 DGKC 40.451.92 FCCL 5.850.2 NBP 44.290.88 PTC 15.490.09 ENGRO 98.623.38 PPL 182.53.96 AKBL 14.350.34 FFBL 40.450.86 MCB 1704.07 ATRL 1204.6 LUCK 122.26 UBL 78.913.9 SNGP 19.660.34 PSO 253.26.41 SSGC 20.890.15 POL 363.257.75 PIAA 2.150.06 HUBC 38.010.8 PIOC 11.180.13 OGDC 158.281.94 KAPCO 43.050.17 --- Updated: 19-05-12, 10:05 am (Pakistan Standard Time - PST)
	Open Market Currency Rates [In Pak Rupee]: US Dollar 91.40 92.00 Euro 116.40 118.64 Great Britain Pound 144.89 147.63 Japanese Yen 1.1255 1.1451 Canadian Dollar 90.10 92.48 Hong Kong Dollar 11.50 11.76 UAE Dirham 24.58 25.03 Saudi Riyal 24.09 24.50 Kuwaiti Dinar 322.26 330.97 Qatar Riyal 24.76 25.23 Omani Riyal 234.30 238.52 Bahraini Dinar 239.24 243.50 Australian Dollar 90.27 92.81 Indian Rupee --- --- Swiss Franc 96.99 98.68 Danish Krona 15.59 15.92 Norwegian Krona 15.32 15.63 Swedish Krona 12.88 13.16 --- Updated: 19-05-12, 10:03 am (Pakistan Standard Time - PST)

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Khushhal Saving Plan

Islamic Saving Schemes in Pakistan
Created: Sunday, 25 October 2009 22:07
Modified: Tuesday, 30 November 1999 05:00

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Salient Features:

Tenor: 3 months, 6 months, 1 year, 3 years & 5 years.
Monthly profit recognition.

Re-investment of monthly profit in the cumulative balance of deposits, by treating profit as Fresh Raas-ul-Maal (investment) by Rab ul Maal (Funds provider).

Effective profit rate more than the nominal one.

Providing “Monthly statement” of account to the trustees of PF/GF/PF holders to inform monthly movements of their funds.

Free of cost “accidental and Natural demise Takaful coverage” to the members of respective fund.

Added Benefits in case of maintaining salary accounts:

Free of cost “ATM Services” to the members of respective fund.
Free of cost issuance of “Pay orders & Demand Drafts” to the members of respective fund.
Free of cost “Online Banking Services” to the members of respective fund.

Saving Scheme Details
Scheme Type:	Islamic
Type:	Account
ATM/Debit Card:	Yes
Zakat Deduction:	2.5% on first Ramadan

Published in Islamic Saving Schemes in Pakistan

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Khushhal Saving Plan

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