Jawad Hamdani 
In July 2026, Select Technologies’ retail portion was oversubscribed about 1.7 times. Small applications were fully allotted, and larger ones were scaled back. This guide explains how an IPO on the Pakistan Stock Exchange works, from book building and the strike price to allotment, using real 2026 offerings. It also gives an honest answer on whether retail investors should apply.
Treasury Bills and Pakistan Investment Bonds are sold through auctions anyone with a bank account can join, yet most retail savers have never been shown them. This guide explains how to buy T-bills and PIBs through an IPS account and SBP’s InvestPak portal. It includes September 2026 auction yields, a worked 12-month T-bill example, and an honest after-tax, after-inflation calculation.
Most Pakistanis could not tell you their net worth within a few million rupees, even though resident filers already submit an FBR wealth statement every year. This guide shows how to build a net worth statement in Pakistan, value gold, property, and PSX holdings correctly, and turn the numbers into a plan with specific goals and dates.
An investor built a holding plan around capital gains rule he had read years earlier, then discovered the 2024-25 budget had changed it for shares bought from July 1, 2024 onward. This guide explains how Pakistan’s annual budget affects your investments in practice: how a Finance Bill becomes a Finance Act, which sections to read, what changed in the Finance Act 2026, and what stayed the same.
An investor worried his shares might simply disappear if his brokerage collapsed, not realizing the answer depended entirely on one choice he’d made years earlier without thinking about it: whether his shares sat in a CDC Investor Account under his own control, or in his broker’s custody. This guide explains exactly what happens if a PSX broker or AMC fails in Pakistan, covering the real compensation fund, its PKR 1,000,000 cap, and the practical steps that actually protect your investments.
Most Pakistanis check the KSE-100 every evening without realizing it’s only one of several distinct PSX indices, each built with different selection rules. This guide explains how KSE-100, KSE-30, KMI-30, and ALLSHR are actually calculated, why an Islamic fund can legitimately underperform the headline KSE-100 in a given quarter through no fault of the fund manager, and which index actually matters for your specific portfolio.
Many Pakistani Muslims avoid life insurance entirely over religious concerns about interest and uncertainty, never realizing Family Takaful has been a genuine, widely available alternative all along. This guide explains how Takaful actually works through Pakistan’s largest insurers, covers real product types from term protection to child education plans, and addresses the important nuance of how a Takaful death benefit interacts with Islamic inheritance law.
Most Pakistani business owners assume their bank’s automatic Zakat deduction on savings accounts covers their obligation entirely but it never touches shop inventory, customer receivables, or working capital cash. This guide explains how business Zakat is actually calculated, with a real worked example on a textile trading business, and clarifies a widespread calculation error: the Nisab threshold is a gate, not a deduction.
A Sialkot confectionery manufacturer nearly lost a major Gulf retail order because their halal certificate came from a body the buyer’s country didn’t recognize a mistake that’s more common than most exporters realize. This guide explains how Pakistan’s halal certification system actually works, covers the genuinely major 2026 fee change that eliminated export certification costs entirely, and shows how to choose a certification body your specific target market will actually accept.
A small IT company spent weeks preparing a government tender bid, only to get rejected with zero explanation and discovered too late that procuring agencies in Pakistan have a legal right to reject all bids without justifying why. This guide explains how public procurement actually works, the crucial federal-versus-provincial portal distinction most small businesses miss, and the new PPRA 2026 provisions specifically designed to make government contracts more accessible to SMEs.
