JS Balochistan Islamic Pension Fund

Overview

The Government of Balochistan has introduced the Balochistan Islamic Contributory Pension Scheme to provide a structured, Shariah-compliant retirement savings solution for the employees of Government of Balochistan.

Within this framework, the JS Balochistan Islamic Pension Fund (JSBIPF), managed by JS Investments Limited, helps employees build long-term retirement wealth while ensuring all investments comply with Islamic principles under the supervision of Al-Hilal Shariah Advisors

The Fund enables participants to grow their retirement savings through regular contributions invested across four Shariah-compliant sub-funds, Equity Active, Equity Index, Debt, and Money Market. In accordance with the investment allocation policy. This diversified investment approach is designed to balance risk, generate sustainable long-term growth, and provide a reliable source of income after retirement. In accordance with the investment allocation policy.

JS Balochistan Islamic Pension Fund (JSBIPF) is a Shariah-compliant contributory pension fund managed by JS Investments Limited, asset management company rated AM1 by PACRA.. Established under the Government of Balochistan’s Contributory Pension Scheme Rules 2025, the Fund is designed to help eligible government employees build long-term retirement savings while ensuring all investments comply with Islamic principles.

Contributions are professionally managed and invested across four diversified Shariah-compliant sub-funds, Equity Active, Debt, Money Market, and Equity Index, to balance risk and generate sustainable long-term returns, providing participants with a reliable source of halal income after retirement.

Why Invest in JS Balochistan Islamic Pension Fund?

Key Benefits

• Shariah-Compliant Investments
• Competitive Returns
• Attractive Tax benefits
• Takaful Coverage
• Professional Management
• Diversified Shariah-Compliant Sub-Funds

Tax credits are limited to 20% of taxable income on an annual basis

Who Can Invest in JS Balochistan Islamic Pension Fund?

The JS Balochistan Islamic Pension Fund (JSBIPF) is exclusively available to eligible employees of the Government of Balochistan seeking a Shariah-compliant, secure, and long-term retirement savings solution. Eligible participants include all employees who have been recruited, absorbed, accepted, or transferred to the Government of Balochistan after the commencement of the Balochistan Civil Servants (Amendment) Act, 2025, and who qualify as "Eligible Persons" under the Balochistan Contributory Pension Scheme Rules, 2025.

At Retirement

At retirement, participants can withdraw up to 25% of their accumulated balance, while the remaining amount can be invested in annuity or periodic income plans.

Note: All investments in pension funds are subject to market risks. The value of investments may fluctuate and past performance is not necessarily indicative of future results. Tax credits and exemptions are subject condition as per section 63 of the Income Tax Ordinance, 2001. Income from annuity or income payment plans and withdrawals from the pension account may be subject to applicable taxes as per prevailing laws. As tax implications vary based on individual circumstances, investors are advised to consult their tax advisors. Participants are advised to read the Offering Document carefully to understand the investment objectives, policies, risks, and applicable charges and consult financial and legal advisor before making any investment decision.