Protect yourself and your family against future financial losses.
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Aitmaad Takaful and Savings Plan is underwritten by Pak-Qatar Family Takaful Limited to ensure a more relaxed future for you and your family. It allows you to invest in a transparent and Shariah compliant way while giving you access to funds managed by Pak-Qatar's investment managers.

Salient Features:

  • Minimum Term: 10 Years
  • Contributions to your plan can be made annually, semi annually, quarterly or monthly. Minimum monthly regular contribution limits are:
Frequency Band 1 Band 2 Band 3 Band 4 Band 5
Monthly PKR 2,500 PKR 3,000 PKR 3,500 PKR 4,000 PKR 4,500


    • What is Takaful?
      Takaful is an Islamic way of protecting yourself and your family against future financial losses. It is a fully transparent, fair and ethical arrangement, which assists participants to share their risks on the basis of shared responsibility, brotherhood and solidarity for common goal. Takaful products comply with the rules and regulations of Shariah.

    • What is Aitmaad?
      Customer has an option of investing in two different strategies:

      Cash Strategy – A conservative strategy with investment options in the following Shariah compliant avenues:

      • Sukuks
      • Shariah compliant income funds
      • Placement with Islamic banks

      Equity Strategy – An aggressive strategy with investment options in following Shariah compliant avenue:

      • Shariah compliant stock
      • Shariah compliant mutual funds
    • How is the premium paid?
      The premium amount is deducted directly from your Standard Chartered Bank account.

    • What are the minimum and maximum contribution limits?
      Minimum acceptable contribution limit is Rs 30,000 (annually) and the maximum limit (annually) is Rs 54,000.

    • Is there any medical examination required?
      With Aitmaad, you do not need to have a medical examination until and unless it is required under the application requirement.

    • Am I eligible for becoming a participant under Aitmaad?
      All Standard Chartered Bank (Pakistan) Limited account holders from 18-60 years of age are eligible for Plan.

    • How do I enrol under Aitmaad?
      Please visit any of the Standard Chartered branch in Pakistan and fill in the application form along with the required documents to enrol under Aitmaad.

    • Who is the underwriter of Aitmaad?
      Aitmaad is underwritten by Pak-Qatar Family Takaful Limited which is Pakistan's first and largest family Takaful operator. SCBPL is acting as the exclusive distributor of Aitmaad Takaful and Savings Plan on Behalf of Pak Qatar Family Takaful Limited and shall not be held responsible in any manner whatsoever to any person, including but not limited to, the insured customer(s), beneficiary or any third party.

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