Sarmaaya vs PQFS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sarmaaya
Manage your investments and track your wealth across various asset classes. Monitor PSX stocks, mutual funds, ETFs, gold, forex, and more in one place. Gain insights into portfolio performance, profit, loss, and returns with real-time alerts and analysis tools.
- Portfolio tracking for PSX stocks, mutual funds, ETFs, gold, forex, commodities, and cash
- Real-time market information and stock prices
- Performance, profit, loss, and return analytics
- Personalized watchlists and real-time alerts
- Mutual fund NAV tracking
- Investment calculators (ROI, SIP, Deduction)
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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.
PQFS
Manage your financial products and explore customized Shariah-compliant solutions. Access investments, Takaful coverage, and make withdrawals 24/7 from anywhere. Experience financial empowerment beyond traditional banking.
- Comprehensive financial products
- Takaful coverage
- 24/7 financial control
- Digital onboarding
- Shariah-compliant returns
- Customer service access
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PQFS - Pak Qatar Financial Solutions App – Your go-to solution for seamless financial services. The PQFS App lets you manage your financial products and experience hassle-free digital onboarding and unlock a world of customized financial products at your fingertips. Key Features: 1. Comprehensive Financial Products: Explore our range of financial solutions, from investments to Takaful coverage. Benefit from Shariah-compliant superior returns, setting us apart from traditional banking and conventional insurance. 2. Takaful Coverage: Enjoy the peace of mind with our Takaful coverage (Islamic insurance) integrated into our products. Experience not just financial growth but also the added security of Takaful benefits. 3. Control at Your Fingertips: Take charge of your investment linked Takaful Plans with our user-friendly app. Enjoy 24/7 accessibility, reducing dependency on office hours. Manage withdrawals, investments, and Takaful needs anytime, anywhere. 4. Reduce Limitations: Break free from traditional constraints. Our app liberates you from time and location limitations, providing unparalleled convenience. Why Choose Pak Qatar Financial Solutions App: • Tailored Solutions: Our products are crafted to meet your specific financial needs. • Effortless Accessibility: Access your account whenever and wherever, empowering you with control and flexibility Its a Customer Facilitation App. • Innovation Beyond Banking: We go beyond conventional methods, ensuring Shariah compliance and superior returns. Download the Pak Qatar Financial Solutions app now and embark on a journey of financial empowerment! App Features: Digital Onboarding: Swiftly invest in our Group products, currently introducing the Mahana Bachat & Takaful Flexi Plan with a seamless digital onboarding process. Customer Services: Access our customer services effortlessly for all your queries and assistance. For inquiries, reach us at 021-34311747 via call or WhatsApp, or email us at iftakaful@pakqatar.com.pk.
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Verdict
The clearest difference is rating: PQFS at 4.2 against Sarmaaya's 2.3. PQFS also leads on in-app purchases (none vs 6) and update cadence (every 2 weeks vs every 5 weeks). 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
Both are free to download. Sarmaaya sells 6 in-app purchases, starting at $4.99 per month. PQFS asks for nothing beyond the download.
PQFS holds the better App Store score, 4.2 against 2.3. Both are backed by a comparable volume of ratings — 3 and 9 respectively.
Sarmaaya ships an update every 5 weeks, PQFS every 2 weeks. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.
| Parameter | Sarmaaya | PQFS |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 4.2 (9 ratings) — better |
| Positive reviews | 33.3% of reviews | — |
| Number of ratings | 3 | 9 — better |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.6 | 15.6 — better |
| Further details — not scored | ||
| Size | 82 MB | 93 MB |
| Age rating | 4+ | 17+ |
| Developer | abcData | Pak-Qatar |
Customer experience
Sarmaaya
PQFS
In-app purchases
Sarmaaya
- Lite Monthly1 Month trial$4.991 Month
- Pro Monthly1 Month trial$19.991 Month
- Premium Monthly1 Month trial$29.991 Month
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- Lite Yearly1 Month trial$49.991 Year
- Pro Yearly1 Month trial$199.991 Year
- Premium Yearly1 Month trial$299.991 Year
PQFS
No in-app purchases







