Comparison

GEM Mobile App vs Sarmaaya

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

GEM Mobile App

Facilitates secure online trading and portfolio monitoring. Access comprehensive market data for informed financial decisions. Manage your investments efficiently on the go.

Highlights
  • Secure online trading
  • Portfolio monitoring
  • Market information access
  • Efficient investment management
Read full description

This application enables users to perform secure and efficient online trading, monitoring of holdings, and access to comprehensive market information.

About

Sarmaaya

Manage, optimize, and grow your investment portfolio with real-time insights and alerts. Track performance against benchmarks, organize holdings with comprehensive reports, and utilize tax efficiency tools for smarter financial growth.

Highlights
  • Real-time portfolio insights and alerts
  • Performance tracking against market benchmarks
  • Comprehensive portfolio organization and reports
  • Tax efficiency tools and CGT tracking
  • Unified smart dashboard for all investments
  • Advanced analytics for stocks, ETFs, and more
  • Personalized watchlist with real-time updates
Features
Read full description

Take control of your investments with Sarmaaya, an investment portfolio tracker and wealth management app built for investors and traders. Create your portfolio, add the investments you already own, and track everything in one place. Monitor your holdings across PSX stocks, mutual funds, ETFs, gold, forex, commodities, and cash. Clearly understand your portfolio performance, profit, loss, and overall returns. Follow the Pakistan Stock Exchange, monitor the Pakistan stock market, and understand how your investment portfolio is performing. Whether you are building a PSX portfolio, managing a stock portfolio, or tracking multiple asset classes, Sarmaaya helps you organize your holdings and make more informed investment decisions. TRACK YOUR PSX STOCKS Follow PSX stocks with live market information, real-time prices, stock performance, and useful insights. Monitor market movements and keep your investments organized without managing multiple spreadsheets. Use Sarmaaya as a PSX stock market app to follow companies listed on the Pakistan Stock Exchange, monitor stock prices, and create a personalized watchlist for the investments that matter to you. PSX PORTFOLIO TRACKER Build and monitor your PSX portfolio with a clear view of your holdings, performance, gains, and losses. Use Sarmaaya as a PSX portfolio tracker to understand how individual stocks contribute to your overall portfolio. Track your stock portfolio and review important metrics with portfolio analytics and detailed performance insights to better understand your investment returns. STOCK ANALYSIS & REAL-TIME ALERTS Go beyond portfolio tracking with stock analysis tools that help you understand company performance, market trends, and important stock information. Create a personalized watchlist and receive real-time stock alerts for earnings, payouts, board meetings, insider trades, and significant price movements. MUTUAL FUND TRACKER Track your mutual funds and monitor NAV movements, returns, allocations, and fund performance in one place. Use Sarmaaya as a mutual fund tracker to organize your existing holdings and build a mutual fund portfolio. Review your mutual fund investments alongside PSX stocks, ETFs, gold, forex, and other assets. For investors looking for a Pakistan mutual fund tracker, Sarmaaya provides a convenient way to monitor mutual fund investments and performance. INVESTMENT & PORTFOLIO MANAGEMENT Keep your investment portfolio organized and monitor holdings, performance, gains, losses, and returns from one place. Sarmaaya makes investment tracking easier with portfolio management tools, asset allocation insights, and clear performance analytics. Use the investment portfolio tracker to monitor the assets you already own and understand how your overall portfolio is performing across different investment categories. POWERFUL INVESTMENT CALCULATORS Access useful financial tools, including an ROI Calculator, SIP Calculator, and Deduction Calculator. Use the ROI Calculator to evaluate investment performance and the SIP Calculator to explore regular investment scenarios. TAX, CGT & FILER TOOLS Understand your investment tax position with capital gains tax and CGT tools. Check your filer status and use the capital gains tax calculator for Pakistan to estimate potential tax on investment gains. DIVIDENDS & REPORTS Track dividend income and review investment reports to understand portfolio performance, gains, losses, and returns over time. Create your portfolio, track your holdings, understand your profit and loss, analyze performance, and make more informed investment decisions with Sarmaaya. Download Sarmaaya and start tracking your investment portfolio today.

Screenshots

GEM Mobile App4 screens
Sarmaaya4 screens

Verdict

The call

The clearest difference is in-app purchases: GEM Mobile App at none against Sarmaaya's 6. GEM Mobile App also leads on iOS requirement (14.0 vs 17.6). Sarmaaya's advantage is update cadence (every 6 weeks vs every 5 months). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Sarmaaya sells 6 in-app purchases, starting at $4.99 per month. GEM Mobile App asks for nothing beyond the download.

UpkeepUpdate frequency

GEM Mobile App ships an update every 5 months, Sarmaaya every 6 weeks. The most recent releases landed on October 15, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
GEM Mobile App versus Sarmaaya: the parameters behind the verdict, then further details
ParameterGEM Mobile AppSarmaaya
PriceFreeFree
Rating—2.3 (3 ratings) — better
Positive reviews—33.3% of reviews
Number of ratings—3 — better
Update frequencyEvery 5 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterSubscription
DevicesiPhone, iPodiPhone, iPad
Requires iOS14.0 — better17.6
Further details — not scored
Size22 MB80 MB
Age rating4+4+
DeveloperBank Al Habib LimitedabcData

In-app purchases

None

GEM Mobile App

No in-app purchases

6 purchases

Sarmaaya

Subscriptions6
  • Lite Monthly1 Month trial$4.991 Month
  • Pro Monthly1 Month trial$19.991 Month
  • Premium Monthly1 Month trial$29.991 Month
Show 3 more
  • Lite Yearly1 Month trial$49.991 Year
  • Pro Yearly1 Month trial$199.991 Year
  • Premium Yearly1 Month trial$299.991 Year

Questions

Is GEM Mobile App free?
GEM Mobile App is free to download, with no in-app purchases.
Is Sarmaaya free?
Sarmaaya is free to download, with in-app purchases available.
Do GEM Mobile App or Sarmaaya have ads?
Neither GEM Mobile App nor Sarmaaya shows ads.
Which is updated more often, GEM Mobile App or Sarmaaya?
GEM Mobile App ships an update every 5 months, and Sarmaaya every 6 weeks. Most recently, GEM Mobile App was updated on October 15, 2026 and Sarmaaya on October 24, 2026.

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