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Elphinstone Pakistan wants to change the way you think about retirement

The current retirement benefits in Pakistan – Gratuity or Provident Fund – are outdated and inefficient. The Voluntary Pension Scheme (VPS) is cheaper for employers, and employees will end up richer when they retire. 

From small startups to large corporations.

A VPS corporate retirement plan can be set up for any company in Pakistan that employs more than 10 people. Our interest clients have spanned the entire range of Corporate Pakistan.

What we offer

Lower administration hassle

Elphinstone helps deals with all employee questions,
requests and transactions regarding their retirement
benefits.

Shariah Compliant 

For every asset class, all employees will be offered
Shariah-compliant investment products from the best
asset managers in Pakistan.

Lower HR burden

Elphinstone handles transition and onboarding costs
and also provides tutorials for employees.

Low fees

Using our services and switching to VPS is very cost-effective.

We help reduce your costs

Gratuity and Provident Fund cost around 8.3% and 6% of payroll – a VPS costs around 5% of payroll. Using Elphinstone services and switching to VPS will save your company money.

Start with us right away

or check out our pricing plans.

© 2023 Elphinstone Pakistan Ltd

Disclosures and Disclaimers

Elphinstone, Inc. (“Elphinstone”) offers SmartRupee, a software-based advice engine that delivers financial planning tools to help users achieve better outcomes. All information provided by Elphinstone’s financial planning tool is for illustrative purposes only and you should not rely on such information as the primary basis of your investment, financial, or tax planning decisions. Securities advisory services are provided by Elphinstone Pakistan Ltd (“Elphinstone Pakistan”), a Securities Advisor licensed by the Securities and Exchanges Commission of Pakistan. Elphinstone Pakistan is a subsidiary of Elphinstone, Inc., a Registered Investment Advisor with the United States Securities and Exchanges Commission. Please see our Full Disclosure for important details. SmartRupee is a service currently offered only to citizens of Pakistan – whether they reside within Pakistan or abroad – or residents of Pakistan who are non-citizens. By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Elphinstone and Elphinstone Pakistan rely on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Elphinstone and Elphinstone Pakistan do not provide tax advice and investors are encouraged to consult with their personal tax advisors. Investments in securities: No Deposit Insurance • No Bank Guarantee • May Lose Value. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future results. Historical returns expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Elphinstone is not registered. Use of the name and logo of (bank/sponsor) as given above does not mean that is responsible for the liabilities/obligations of (asset management company) or any investment scheme managed by it.