alfalah
IPSIPS

IPS

Investor Portfolio Securities Account

The IPS Account at Bank Alfalah offers customers a secure and convenient way to invest in government securities, including Treasury Bills (T-Bills), Pakistan Investment Bonds (PIBs), and Ijarah Sukuks. Our IPS accounts are custodial, ensuring that your investments are managed with care and transparency.

Types of Securities:

T-Bills:

  • Tenors of 3, 6, and 12 months
  • Issued in multiples of PKR 5000
  • Zero-coupon instruments issued at a discount, with the face value redeemed upon maturity.

PIBs:

  • Tenors of 3, 5, 10, 20 years
  • Issued in multiples of PKR 100,000
  • Long-term bonds available in both fixed and floating coupon types

Ijarah Sukuks:

  • Tenors of 1, 3, 5, 7 years
  • Issued in multiples of PKR 100,000
  • Issued in non-paper form with semi-annual coupon payments

Product Summary

All securities are held in non-paper form with the State Bank of Pakistan through our subsidiary ledger. This ensures the safety and authenticity of your holdings

All instruments are negotiable and can be traded in the secondary market, offering high liquidity when needed

No compulsory deduction of Zakat at the source, giving you control over your religious contributions

How to open an IPS account?

  • Login to Alfa
  • Tap on Save & Invest
  • Select PIBs|T-Bills
  • Select Let’s go and fill out your details
  • Agree to the Terms & Conditions to open your account
  • Check your details in the IPS dashboard

Select Your Country

PAKISTAN

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UAE

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