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ORIXM’s Certificate of Musharika is a profit & loss-sharing instrument whereby investors have an opportunity to earn low-risk income. It offers the most secure and rewarding return to its investors given ORIXM’s AA Rating assigned by Pakistan Credit Rating Agency Limited (PACRA). This is the highest credit rating assigned to any Modaraba company in Pakistan, which indicates low expectation of credit risk and very strong capacity for timely payment of financial commitments. Launched in the year 2000, this Shariah compliant Deposit Scheme has been formulated under the guidelines issued by SECP Religious Board formed under the Modaraba Ordinance. ORIXM’s Certificate of Musharika (COMs) is an Islamic investment avenue available to individuals, corporates, provident funds & gratuity funds. ORIXM has tailor-made this product keeping in consideration Islamic principles and its valued customers’ convenience and are available at branches of ORIXM and Standard Chartered Bank (Pakistan) Limited (SCBPL) spread all over Pakistan.

Certificates of Musharika (COM)

ORIXM’s COM Scheme has been formulated under the parameters laid down for this purpose by the Securities and Exchange Commission of Pakistan in its "Guidelines for Issue of Certificates of Musharika for Modarabas." ORIXM’s COMs combines the unique features of purity, maturity of income, security accompanying with a rewarding ROI.




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