Offered by Pak-Qatar Family Takaful and can be availed through any SCBPL Branch.
Apply Now


Standard Chartered Bank (Pakistan) Limited (SCBPL) introduces 'Mustaqbil', a Takaful - plan underwritten by Pak-Qatar Family Takaful Limited to ensure a brighter more relaxed future for you and your family.

Now you can save and protect your family's future with a Takaful plan that is compliant with your beliefs.

Salient Features:

  • Min. Contribution & Frequency: PKR 4,700 monthly, PKR 14,000 quarterly, PKR 28,000 half yearly & PKR 56,000 annually.


    • What is Mustaqbil?
      'Mustaqbil' is a regular contribution Takaful plan that pays out a cash benefit in the unfortunate case of death or upon a pre-determined maturity date set by the participant.

    • How does Mustaqbil work?
      All regular contributions paid during the tenure of the plan are used to ensure two things:

      • A death benefit
      • A maturity benefit

      Your regular contributions are broken up in two portions, one to ensure a cash benefit in case of death and the remaining portion goes to your investment account. Currently, there are two investment strategies that you can select from:

      • Mustaqbil Cash Strategy
      • Mustaqbil Equity Strategy
    • What is Surplus Sharing and how does that make any difference to me?
      Surplus sharing is a key concept in Takaful and differentiates Takaful from conventional insurance. All contributions paid under Takaful are meant to guarantee two benefits; one a death benefit that is guaranteed by contributions to the Waqf fund and the other is the maturity value that is steadily built up through contributions to the participant's investment account.

      In case of any surplus in the Individual Family Takaful Participants Fund, this surplus is distributed among the participants in proportion to their net contribution into fund. This surplus amount will be given to the participant in the shape of additional units being added to his / her investment account.

Learn More »


SCBPL is the third party distributor for 'Mustaqbil'. The product is not guaranteed or insured by Standard Chartered Bank or its affiliates and is not a Standard Chartered Bank product.

For further information on Mustaqbil, you can simply walk in to any of our branches and one of our relationship managers will guide you on how you can ensure a better future through Mustaqbil or call us at 111-002-002.

Apply Online

Click here to sign up now.

Apply Now

Call Us

Call our hotline for further information.

111 002 002

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Contact Me »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

Back to Top

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Compliants relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.