Activity
Mon
Wed
Fri
Sun
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
What is this?
Less
More
Sarmaaya Skool

6.1k members • Free

5 contributions to Sarmaaya Skool
NATF - National Foods
The National Foods is no longer a Shariah-compliant stock. What happens to the shares purchased before the change in status? Do they also become non-Shariah-compliant?
1 like • 5d
@Makhdoom Abbas Cheema, Thank you for the detailed answer.
CGT Adjustment duration
I have a question regarding capital gains tax regulations for the 2026-2027 financial year. If I realize a stock loss of 5,000 during this period, what is the time frame allowed to offset this loss against future capital gains?
0 likes • 19d
Please advise
2 likes • 19d
Thank you @Muhammad Saqib Abrar for clarifying the issue.
🔴 IMPORTANT: Give Feedback for Sarmaaya Skool and Decide Its Future!
Salaam everyone! 👋 We're planning the future of Sarmaaya Skool and we want your feedback on what you think of this community. Treat it important because this will decide the future of Sarmaaya Skool. Takes less than 2 minutes. Your answers directly decide what we do next. 🙌 👉 Fill the form here The more of you who respond, the better we can tailor this community for you. Don't skip this one! Comment "Done" below once you've submitted so we know you're a responsible member of this community ✅
🔴 IMPORTANT: Give Feedback for Sarmaaya Skool and Decide Its Future!
1 like • Jul 10
Done
Pension Fund Tax Benefits
To get the tax benefits, is it necessary to invest 20% of my salary each year? Or is a one-time investment good for this?
0 likes • Jun 21
Is there a fixed time limit for the 20% investment to be eligible for tax exemption?
0 likes • Jun 23
I don't think you understood my question. Let me explain, suppose I invest 20% of my salary in 2026-27. If I encash the funds in August 2027, does the Tax benefit already received in 2026-27 remain, or do I have to return it? Waisay VIGO Dala toh kuch na karnay bhi utha sakta hai ;)
The Costly Mistake Mutual Fund Investors Make Every June
June is year end closing for mutual funds. This is when funds pay out profits as dividends. And every year I see people happily waiting for that dividend. Here is what most of them don't know. Dividend from a low risk mutual fund gets taxed at 25%. The same profit, if you book it yourself by selling units, gets taxed at 15% as capital gain. Simple example. You invested 100k. Made 10k profit in a year. Wait for the dividend, you get 7,500 in hand. 2,500 gone in tax. Sell before the dividend and book the profit, you get 8,500. Only 1,500 in tax. Same fund. Same profit. 1,000 rupees difference just based on how you take it. And one more thing. Capital gain tax can be adjusted against losses. Already sitting on a 10k loss in stocks or another fund this year? Then your tax is zero. Full 10k comes to you. Dividends give you no such option. This is exactly why we built Capital Gain Tax tracking into Zar by Sarmaaya. You can see your gains, losses and tax impact in one place and plan your exits smartly instead of guessing. Small decisions like this add up to real money over the years. So before the June payout, look at your fund and decide. Most people lose money here simply because nobody told them. For tracking investment smartly, visit zar.sarmaaya.pk
1 like • Jun 13
@Kainat Gul I believe this is only valid for low-risk mutual funds, not for equity funds. Please correct me if I am wrong. Thank you.
1 like • Jun 19
@Kainat Gul, could you please share which categories of Mutual Funds are subject to the 25% CGT on dividends? Thank you.
1-5 of 5
Tariq Ghaffar
2
10 points to level up
@tariq-ghaffar-8327
Working in Realtime Broadcast Industry as Senior Technical Support Engineer

Active 3d ago
Joined May 2, 2026
Powered by