Question 1

What is SarmayaSetu?

Accepted Answer

SarmayaSetu is a portfolio tracker for the Pakistan Stock Exchange (PSX). You record or import your trades, and it shows your holdings, profit and loss, dividends and tax position — plus planning tools like a SIP calculator.

Question 2

Who is it for?

Accepted Answer

Retail investors in Pakistan who hold PSX shares through one or more brokers and want one clear picture of how they're doing — whether you invest monthly, follow a model portfolio or just want to stop maintaining a spreadsheet.

Question 3

Is SarmayaSetu free?

Accepted Answer

Yes. The Free plan covers one portfolio with unlimited trades, dividends, imports and planning tools. Pro adds ETFs and mutual funds, up to 10 portfolios, Overall stats, a watchlist with price levels, up to 5 allocation models, full price history, import email alerts and longer import history — it's invite-only and free during early access. See Pro features and Pricing.

Question 4

Can I track ETFs and mutual funds?

Accepted Answer

Yes, with Pro. PSX-listed ETFs are priced like shares, and mutual funds from UBL Funds (including Al Ameen) and HBL use the daily NAV. We only offer funds whose prices we can keep up to date automatically, so more fund managers will follow. Funds are recorded in units, with any front-end load, and the Overview and Overall stats show how your money splits across stocks, ETFs and funds. Free stays stocks-only. If Pro ends, the ETFs and funds you already hold stay visible but can't be changed. See Pro features.

Question 5

Does it work on mobile?

Accepted Answer

Yes. The app is built mobile-first: a bottom navigation bar on phones and a full sidebar on larger screens. It runs in any modern browser — no install needed.

Question 6

Where do prices come from?

Accepted Answer

Prices come from a third-party market data source and may be delayed. They are not an official PSX feed, so always confirm prices with your broker before trading.

Question 7

How often do prices update?

Accepted Answer

Quotes refresh every few minutes while you use the app. They are meant for tracking your portfolio, not for trading decisions to the second.

Question 8

Which stocks are supported?

Accepted Answer

Shares listed on the Pakistan Stock Exchange, identified by their PSX ticker (for example SYS, OGDC or MEBL). The built-in search covers commonly traded stocks and the list is growing.

Question 9

Which brokers can I import from?

Accepted Answer

KTrade and AKD Securities contract notes (PDF) and NCCPL trading alerts are read exactly — forward the email or upload the PDF. Other brokers go through our general reader and often work too; you can add or fix any trade in the review screen before approving.

Question 10

How does email import work?

Accepted Answer

Your account gets a private import address. Forward a KTrade or AKD contract-note email to it (or set up a Gmail filter to forward automatically) and within a minute it appears in your Import inbox with the trades we found. Password-protected PDFs are opened in your browser. Nothing is added to your portfolio until you approve it.

Question 11

Can I move a portfolio in or out as a file?

Accepted Answer

Yes. Export any portfolio from My Portfolios as a JSON file with its holdings, transactions, dividends and target allocations, and import that file back whenever you need to.

Question 12

What's the difference between Filer and Non-Filer?

Accepted Answer

In Pakistan, people on the FBR's Active Taxpayers List (Filers) usually pay lower withholding tax on dividends and lower capital gains tax than Non-Filers. Pick your status in Settings and SarmayaSetu shows the matching reference rates.

Question 13

Are the tax figures exact?

Accepted Answer

No. They're estimates based on reference rates, and rates change with each budget. Use them to understand your position, and check with a tax professional before filing.

Question 14

Is my data safe?

Accepted Answer

Your data is stored in your own account area, and access rules allow only you to read or write it. Sign-in is handled by Google Firebase Authentication. Read more on our Security page.

Question 15

Do you connect to my broker account?

Accepted Answer

No. We never ask for your broker login. You add trades yourself or import statements you already have.

Question 16

Can I export or delete my data?

Accepted Answer

Yes. You can export any portfolio as a JSON file at any time. To delete your account and data, email hello@sarmayasetu.com.

Question 17

Is SarmayaSetu investment advice?

Accepted Answer

No. SarmayaSetu is a tracking and planning tool. It is not a broker or an SECP-licensed investment adviser, and nothing in it is a recommendation to buy or sell. See our Disclaimer.