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    Empowering Organizations, Securing Futures

    Managing your organization’s provident fund becomes effortless with EFU Hemayah Smart Fund Plan Management. Our comprehensive, Shariah-compliant solution combines expert investment management with seamless administration to ensure disciplined allocation across equity, debt and money market assets, optimizing returns while managing risk responsibly. From contribution processing and compliance to reporting and digital record-keeping, EFU Hemayah Provident Fund handles every detail with transparency, efficiency and regulatory confidence, so you can focus on your people, while we secure their future.

    Why Offer a Corporate Retirement Plan?

    Today’s workforce looks for more than just compensation - they value long-term financial security. A corporate retirement plan signals your organization’s commitment to their wellbeing. With EFU Hemayah’s unit-linked provident fund solution, employees benefit from professional fund management and the potential for long-term investment growth, while your organization strengthens its retention and employer brand.

    Key Features:

    • Flexible Contributions
    • Shariah-Compliant Funds
    • Defined Individual Accounts
    • Reporting Access
    • Expert Fund Management
    • Adaptable Product Management
    Plan Highlights:
    • Age: 18 Years till retirement
    • Term: 5-25 years (subject to retirement)
    • Minimum: No Minimum or Maximum Limit
    • Fund Acceleration Contribution (FAC): Optional lump-sum top-up anytime during the plan term
    • Unit Allocation: Year 1 and onwards: 105% Allocation as percentage of Basic Contribution.
      105% of FAC payment is allocated to purchase units
    • Sum Covered: 1.25x Initial Single Contribution

    Total Assets Under Management

    PKR 287.75 Billion

    AM1(p)

    VIS Rating

    AA++ (Outlook Stable)

    VIS Rating

    Lives Insured

    14 Million+

    Total Assets Under Management

    PKR 287.75 Billion

    AM1(p)

    VIS Rating

    AA++ (Outlook Stable)

    VIS Rating

    Lives Insured

    14 Million+

    FAQs

    EFU Hemayah Smart Fund is an investment-linked retirement solution designed for corporate clients. It enables organizations to offer employees a professionally managed, transparent and compliant provident fund. Savings grow through disciplined contributions and diversified investments across equity, debt and money market instruments, helping employees achieve long-term financial security while reducing administrative effort for employers

    This plan is exclusively available to registered organizations and corporate employers that wish to provide their employees with a structured and professionally managed provident fund solution.

    Both employee and employer contributions are invested in unit-linked funds managed by EFU Hemayah’s investment experts. These funds are diversified across equity, debt and money market instruments. Our Investment Experts collaborate with each organization to design an investment strategy that reflects their unique objectives and risk appetite.

    Employers receive detailed, timely and transparent reporting, giving full visibility into fund performance, contributions, member balances and other key aspects of the plan.

    EFU Hemayah manages complete fund administration on behalf of employers, including:

    • Contribution tracking and reconciliation
    • Digital record-keeping
    • Compliance with PF rules
    • Member statements and reporting

    This ensures smooth operations and allows HR teams to focus on core business priorities.

    Yes. Contribution structures, vesting rules and certain administrative features can be customized to align with your organization’s policies and employee needs.