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The value of your hard-earned money is best understood by you.The most important requirement is ensuring that your money is put to the right use for it to prove beneficial to you and your family in the long-run. Prudent investment may not always turn out to be good investment, as no one can predict the future. Intelligent investment of your hard-earned money can go a long way in ensuring a bright future for you and your family.As you take each step in life, your role and responsibilities change. Whether you are at the beginning of your career, have just started a family, require funds for your children's education or marriage or would like to plan for your retirement, you need to have a financial planning tool which can respond to your changing circumstances and at the same time provide you sufficient funds to fulfill your and your family's needs.

Standard Chartered Bank (Pakistan) Limited brings you Bunyaad through EFU Life Assurance Ltd.

Additional Features
  • Get loyalty rewards through Loyalty Bonus Allocation.
  • Accelerate the build-up of your funds through Fund Acceleration Premiums.
  • Participate in the returns of the EFU Managed Growth Fund and EFU Guaranteed Growth Fund.
  • Cover yourself through Whole-of-life Insurance Protection.
  • Access your savings when you need them.


The following illustration shows the growth in the cash values of original single premium of PKR 100,000 (assuming no withdrawls) of an individual of age 30, using the conservative growth rate projections of 7%, 9% and 11% per annum net of the annual management charge.The coverage under the plan is assumed to be 2 times of the Original Single Premium.

7% p.a. Rate of return*
Policy Year Death Benefit Cash Value of Single Premium (PKR)
5 200,000 126,346
10 200,000 168,342
15 224,560 224,560
20 298,241 298,241
9% p.a.Rate of return*
Policy Year Death Benefit Cash Value of Single Premium (PKR)
5 200,000 138,561
10 202,313 202,313
15 295,196 295,196
20 428,542 428,542
11% p.a.Rate of return*
Policy Year Death Benefit Cash Value of Single Premium (PKR)
5 200,000 151,722
10 242,414 242,414
15 386,367 386,367
20 612,984 612,984

Important Notes:

  • *The cash values given in the table are illustrated based on assumptions. The actual values can be higher or lower than the ones illustrated above depending upon the performance of the investment in the selected underlying fund.
  • A description of how the contract works is given in the policy Provisions and Conditions.
  • The product is underwritten by EFU Life Assurance Ltd, hence not guaranteed or insured by Standard Chartered Bank or its affiliates and is not a Standard Chartered Bank product. EFU Life Assurance Ltd. will be responsible for settlement of claim or any other disputes.

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