ABL Funds Review 2026
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
- N/A
- Web
- MyABL apps
- None
- Access to collective investments, automatic fund enrollment
Our Evaluation of ABL Funds
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
ABL Funds is a broker with higher-than-average risk and the TU Overall Score of 3.05 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by ABL Funds clients on our website, Traders Union expert Anton Kharitonov recommends users to consider a more reliable broker with better conditions, as, according to reviews, many clients of this broker are not satisfied with the company’s work.
How we tested ABL Funds
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at ABL Funds
ABL Funds is a professional asset manager registered and regulated by the Securities and Exchange Commission of Pakistan (SECP). It is part of Allied Bank Limited, one of Pakistan’s largest private banks. The company specializes in collective investment schemes and separately managed portfolios for residents and nonresidents. Investors gain access to the country’s capital market, including the Pakistan Stock Exchange (PSX). Allied Bank does not execute trades. It settles transactions and transmits data to the broker and the depository. ABL Funds acts as a broker by offering managed strategies and access to investment funds for retail and institutional clients.
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- Regulated company with a license and a long operating history
- Integration with Allied Bank for simple access to investments
- Collective investment products that meet international standards
- Customized capital management strategies
- Convenient investment infrastructure for residents and nonresidents of Pakistan
- Access to ready-made strategies with different risk levels, including conservative, balanced, and aggressive
- No direct real-time online trading
- Investments are available only through banking infrastructure
TU Expert Verdict
Chief Analytics Officer
ABL Funds offers mutual funds, managed portfolios, and investment plans through web and mobile platforms, with access to the Pakistan Stock Exchange and collective investment schemes tailored for both residents and non-residents. Regulated by the Securities and Exchange Commission of Pakistan, ABL Funds is integrated with Allied Bank Limited, enabling investors to select from Conventional Investment Accounts, Roshan Digital Accounts, or Separately Managed Accounts. Investors benefit from automated fund enrollment, access to professionally managed strategies, and unified capital market entry via the Roshan Digital Account, with all settlements processed through Allied Bank and the Central Depository Company.
Some disadvantages include the lack of direct, real-time online trading, investments being available only through banking infrastructure, fund management fees ranging from 1% to 2% per year, and additional bank transfer or currency conversion costs depending on the client’s location. ABL Funds may not be suitable for investors seeking low fees or those preferring self-directed, active trading without banking intermediation.
ABL Funds Summary
Your capital is at risk. The risk of loss in online trading of stocks, options, futures, currencies, foreign equities, and fixed Income can be substantial.
| 💻 Trading platform: | Web interface, MyABL apps |
|---|---|
| 📊 Accounts: | Conventional Investment Account, Roshan Digital Account (RDA), Separately Managed Accounts (SMA) |
| 💰 Account currency: | PKR |
| 💵 Deposit / Withdrawal: | Bank transfer, internal transfers via Allied Bank |
| 🚀 Minimum deposit: | N/A |
| ⚖️ Leverage: | None |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | Depends on fund or strategy terms |
| 💱 EUR/USD spread: | Includes fund management fee. The structure depends on the selected product |
| 🔧 Instruments: | Mutual funds, retirement and investment plans, managed portfolios |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | N/A |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | No |
| 📋 Order execution: | Through the fund manager |
| ⭐ Trading features: | Access to collective investments, automatic fund enrollment |
| 🎁 Contests and bonuses: | No |
The investment process at ABL Funds is designed to minimize operational workload for the client. An investor selects a suitable fund or strategy through the online interface and then transfers funds via Allied Bank. The system automatically connects the investor to the chosen managed strategy, and assets are allocated without manual instrument selection. The client receives regular reporting and has ongoing access to portfolio structure and realized performance.
ABL Funds Key Parameters Evaluation
Trading Account Opening
The account opening process for investing through ABL Funds is based on the Roshan Digital Account (RDA) infrastructure provided by Allied Bank Limited. The bank acts as the primary intermediary between the investor, the broker, and the depository.
To start investing through ABL Funds, the following steps are required:
Open an account with Allied Bank. This is done online, without an in-person visit, through the bank’s official website or the MyABL app.
Apply for Roshan Equity Investment, a dedicated module that enables investments in Pakistani funds and equities. At this stage, the client selects the broker, which in this case is ABL Funds.
Data transfer and verification. After the application is submitted, the bank transfers the client’s data to the broker and the Central Depository Company (CDC). The CDC then opens an individual sub-account where all assets are recorded.
Connect to ABL Funds investment products. After the brokerage account is activated and confirmed by the CDC, the client can select ABL Funds products through the bank interface or during a consultation with a representative.
Features of the user account allow traders to:
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Deposit and withdraw funds.
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Monitor the portfolio.
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Connect to ABL funds.
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Enable and configure automatic investing.
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Access statements for financial and trading operations.
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View performance reports for each fund.
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Update contact information, documents, notifications, and consents.
Is ABL Funds Safe?
ABL Funds (ABL Asset Management Company Limited) operates under the supervision of the SECP, Pakistan’s main financial regulator. The company is registered as a licensed asset manager and can offer investment products to retail and institutional clients under Pakistan’s laws. License number: No. AMC-018.
Allied Bank Limited is one of Pakistan’s largest commercial banks and operates under a license from the country’s central bank, the SBP (State Bank of Pakistan). The bank complies with AML and KYC regulations, foreign exchange control, and international remittances.
Advantages
- Activities regulated by a state authority
- All settlements and transfers handled through a licensed bank
- Assets are held separately from the asset manager’s funds
- Electronic documents are signed via secure channels
Disadvantages
- In disputes or technical issues, communication runs through the bank and the broker rather than directly with the CDC
- No unified international investment insurance
- Repatriation of funds requires procedures at Allied Bank
Commissions and Fees
The fund management fee at ABL Funds ranges from 1% to 2% per year, depending on the specific product. An entry fee of up to 3% of the investment amount may be charged, while exit fees are generally not applied. All inbound and outbound transfers are processed by Allied Bank, which may charge fees for international SWIFT transfers or currency conversion. The exact amount depends on the currency, the sender or recipient’s country, and the bank’s terms.
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| All account types | 1% per year of portfolio size | Bank fee |
All trading and additional fees, including custody, listing fees, and transaction costs, are already included in the fund’s daily NAV. The investor does not pay them separately. In aggregate, they are included in the Total Expense Ratio (TER), which is available in each fund’s reports.
Account Types
The ABL Funds offers several account formats through which clients can invest in mutual funds. These accounts are available to residents and non-residents.
All account types have their own onboarding, compliance, and reporting procedures. For residents of Pakistan, access to ABL Funds can also be arranged directly through local branches or agents. In this case, the investment is processed as a fund subscription rather than as a brokerage account.
Deposit and Withdrawal
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Funding is via bank transfer through Allied Bank.
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For international clients, foreign currency is automatically converted to PKR.
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Investments are only in Pakistani rupees.
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Withdrawals are processed back through Allied Bank to the client’s account.
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All operations undergo KYC and AML checks.
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ABL Funds charges 0% for deposits and withdrawals.
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Bank fees may apply for international transfers and currency conversion.
Investment Options
ABL Funds provides a broad range of investment solutions designed for different financial goals, including capital accumulation, retirement planning, and risk management. All products operate within a regulated framework and are available to both residents and nonresidents of Pakistan through the appropriate onboarding channels.
ABL Funds investment products
ABL Funds offers several account structures depending on the client profile and chosen investment model. Unlike classic brokers, ABL Funds does not provide self-directed trading accounts. All operations are carried out by the asset manager, while the client’s role is to select the product and the contribution amount.
ABL Funds solutions:
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Mutual funds. Ready-made collective investment schemes with professional management. Suitable for investors seeking a diversified portfolio without selecting individual securities.
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Retirement Planning Solution. Long-term strategies built around age, investment horizon, and income level. They help accumulate savings for retirement.
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Investment Plans. Regular investment plans with fixed contributions. The investor chooses frequency and amount. The system automatically allocates funds to selected products.
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Separately Managed Accounts (SMA). Individual portfolios fully tailored to the client’s goals, risk profile, and preferences.
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Capital Preservation Solutions. Strategies that prioritize capital protection, low volatility, and value preservation. Suitable for conservative investors and short-term objectives.
All solutions include advisory support, regular reporting, and SECP compliance.
ABL Funds partnership program
There is no information on the official ABL Funds website about a public affiliate or referral program for individuals. The company focuses on serving clients directly through Allied Bank’s banking and investment infrastructure.
Customer Support
ABL Funds provides client support from 09:00 to 17:30 (UTC+5) across all main channels. Service is provided through the company’s contact center and Allied Bank’s branch network.
Advantages
- Personalized consultation on investment products and onboarding procedures
- Real-time assistance via WhatsApp
- Guidance when selecting a fund and setting up regular investments
Disadvantages
- No 24/7 support
- Email responses can take up to 1 to 2 business days
Available contact channels
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WhatsApp.
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SMS.
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Website contact form.
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Email.
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Telephone.
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Allied Bank branches nationwide.
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LinkedIn, Facebook, Instagram, X.
Investors can contact ABL Funds through official channels provided by the company and by the partner bank, Allied Bank.
Contacts
| Foundation date | 2007 |
|---|---|
| Registration address | Plot No. 14, Main Boulevard, DHA Phase VI, Lahore, Pakistan |
| Regulation |
SECP
Licence number: AMC-018 |
| Official site | https://ablfunds.com/ |
| Contacts |
+92 21 111 225 262
|
Education
ABL Funds offers a dedicated Learning Zone designed to help investors improve their financial literacy. It features both basic and practical materials presented in the form of articles and infographics.
The materials are designed for self-study and are primarily aimed at beginner investors. Training may also be supplemented with consultations from ABL Funds specialists when connecting to products.
Detailed review of ABL Funds
ABL Funds is a licensed asset manager within Allied Bank Limited, one of Pakistan’s oldest and largest commercial banks. The company provides retail and institutional investors with access to a broad range of funds and investment solutions that include both conventional and Islamic strategies. It actively uses digital channels, including a web platform and the MyABL app, where investors access portfolios, reports, and educational content. ABL Funds focuses on managed investments, regularly updated analytics, and goal-based solutions, including capital growth, retirement savings, and capital protection.
ABL Funds by the numbers:
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Operations started in 2007.
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17 active funds plus 4 retirement plans.
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Over PKR 275 billion in assets under management as of August 2025
Investment philosophy and approach at ABL Funds
ABL Funds’ approach is based on structured, long-term, regulated asset management. The company does not offer aggressive or speculative solutions. It concentrates on products aligned with real investor goals, including capital growth, stable income, retirement savings, and capital preservation. Management is built on transparency, regulatory compliance, and a focus on long-term financial objectives.
Each investment decision relies on a preliminary asset allocation model that considers market conditions, acceptable risk, and client preferences. Portfolios are primarily composed of moderate-return instruments, including bonds, index solutions, and funds. Decisions are made collectively by the company’s investment committee using macroeconomic analysis, internal forecasts, and continuous market monitoring.
Useful ABL Funds services:
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Personalized portfolio statistics, including asset value, structure, and performance.
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Regular investing with automated contributions to selected funds on a set schedule.
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Downloadable statements and reports, including electronic documents on cash flows, portfolio composition, and results.
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Performance tracking for each fund, including market revaluation and dividends.
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Investor resources, including market analytics, historical data, and fund reviews.
Advantages:
Segregation of client assets through the CDC (Central Depository Company of Pakistan).
Automatic repatriation of dividends and income through the bank.
Support for Shariah-compliant funds.
Ability to invest across funds with different returns and compositions.
Regular reporting and transparency of the investment process.
Information support and consultations for onboarding and portfolio management.
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