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    Empowering Employee Futures with EFU Hemayah Smart Fund Plan Management

    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.

    Funds Under Management

    PKR 231 Billion

    Profit after Tax 2024

    PKR 2.99 Billion

    AA++ (Outlook Stable)

    VIS Rating

    Lives Insured

    10 Million+

    Funds Under Management

    PKR 231 Billion

    Profit after Tax 2024

    PKR 2.99 Billion

    AA++ (Outlook Stable)

    VIS Rating

    Lives Insured

    10 Million+

    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:

      For Employers:
       • Enhances employee retention and loyalty
       • Improves your employer brand and value proposition
       • Fulfills HR compliance requirements
       • Access to digital tools for HR and payroll administration

      For Employees:
       • Professional and diversified fund management
       • Personalized digital access to account value and performance
       • Confidence in long-term financial planning and retirement readiness

    Download Brochure Advise Me
    Download Brochure Advise Me

    How It Works

    Partnership Icon

    Partnership with
    EFU Hemayah

    EFU Hemayah partners with your organization to manage Provident and/or Gratuity Funds.

    Account Management Icon

    Dedicated Account
    Management

    Dedicated corporate accounts with low-risk defaults and customized, policy-aligned allocations.

    Contributions Icon

    Employee
    Contributions

    Employee contributions (monthly or as scheduled) are professionally managed by EFU Hemayah.

    Investments Icon

    Diversified Shariah-
    Compliant Investments

    Contributions are invested across a diversified, Shariah-compliant portfolio to balance growth with security.

    Regulatory Icon

    Regulatory & Compliance
    Management

    EFU Hemayah manages all regulatory, operational and compliance requirements under PF rules.

    Reporting Icon

    Centralized Employer
    Reporting

    Employers benefit from centralized visibility, automated reporting and real-time performance tracking.

    Employee Access Icon

    Employee Access
    & Updates

    Employees receive regular updates and digital access to their fund balances and performance.

    Transparency Icon

    Enhanced Transparency
    & Trust

    A transparent, compliant solution that reduces admin effort and builds employee trust and financial wellbeing.

    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.

    Invest in Employees, Managed by Experts


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