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Yes. As of January 21, 2026, Pakistan’s Securities and Exchange Commission (SECP) has authorized asset management companies (AMCs) to open Sehl Sarmayakari Accounts directly for resident Pakistani individuals, using their own digital platforms and/or physical forms. Applicants still need to provide information and complete required verification; investment and transaction limits also apply.
What SECP’s approval changes
Previously, Sehl Sarmayakari Accounts were opened through branchless-banking agents, electronic money institutions (EMIs), or scheduled banks. Under the new authorization, an AMC can offer account opening directly through its own digital platform, physical forms, or both. SECP announced the change on January 21, 2026, as part of an effort to facilitate micro-savings and broaden financial inclusion. Those are the regulator’s stated aims, not measured outcomes.
The formal account name is “Sehl Sarmayakari Account”; “Sehl account” is the shorter form used in the announcement. The regulatory framework is SECP Circular 02 of 2026, listed by SECP on January 21, 2026. SECP’s announcement describes the authorization and broad conditions.
Who can open one, and what onboarding involves
The announcement identifies resident Pakistani individual customers as eligible for the direct AMC route. An AMC using that route must collect the customer’s necessary information, carry out required verification, and ensure compliance with prescribed investment and transaction limits.
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“Simplified due diligence” therefore does not mean no checks. The announcement does not specify the numerical limits or list the identification documents required, so check the current Circular 02 of 2026 and the particular AMC’s instructions before applying. The announcement also does not establish that every AMC has already launched an account-opening workflow.
How to open a Sehl account through an AMC
The approval permits AMCs to use their own digital platforms and/or physical forms; it does not establish one universal application process or set of documents. To pursue the direct route:
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- Choose an AMC and check whether it currently accepts Sehl Sarmayakari Account applications directly.
- Use that AMC’s stated digital platform or request its physical application form.
- Provide the information and identification documents the AMC requires, and complete its verification steps.
- Before investing, confirm the applicable investment and transaction limits and which schemes are available to your account.
These are practical checks, not a prescribed SECP application sequence. Confirm current requirements with the AMC and the circular; the announcement does not set out a detailed step-by-step process.
What a Sehl account is for—and what it does not promise
SECP describes Sehl accounts as enabling investment in low-risk collective investment schemes, including mutual funds. “Low-risk” is not the same as risk-free, and it does not guarantee returns. An account is an investment route, not a promise of a particular outcome; consider whether a fund suits your circumstances before investing.
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The regulator’s January 2026 announcement does not give account limits, identify specific funds, compare AMCs, or report uptake or financial-inclusion results. Fees, platform features, fund availability, and onboarding speed should not be assumed to be uniform across providers.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Can a Sehl account be upgraded?
SECP says a Sehl account may be upgraded to a Sahulat Sarmayakari Account or a Sarmayakari Account after the customer meets the additional information and documentation requirements. Its October 11, 2021 announcement described these three account categories and an upgrade route, but that older release is historical context rather than confirmation of every current requirement. Ask the AMC what applies now.
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