Sarmaaya Financials

What Sarmaaya Financials does

Sarmaaya Financials Private Limited is a Pakistan-based financial technology company operating a financial research and portfolio tracking platform targeted primarily at Pakistani retail investors and traders. Its core platform, hosted at sarmaaya.pk, delivers real-time Pakistan Stock Exchange (PSX) market data, mutual fund and commodities tracking, forex dashboards, economic indicators, and a suite of financial calculators. The company is a PSX-authorized data redistributor and is headquartered at the National Science & Technology Park, NUST, in Islamabad. Its ecosystem has expanded beyond core market data into adjacent product lines: Zar by Sarmaaya for portfolio management and benchmarking (with mobile apps on iOS and Android), KYE (Know Your Expenses) for personal expense tracking and budgeting, and Mahir as a structured digital learning platform.

The business operates a dual revenue model. First, a tiered subscription product ranges from a free tier with delayed data to Pro (PKR 4,000/month), Premium (PKR 6,000/month), Elite (PKR 3,000/month, alumni-only), and Enterprise (custom pricing supporting up to 100B PKR in tracked investments), with annual plans carrying a 20% discount. Second, the company runs expert-led paid training programs covering trading, investment, forex, crypto, money mindset, and youth financial literacy, priced between USD 99 and USD 999 per program, with more than 3,000 students trained cumulatively. Distribution is digital-first via the website and mobile app stores, supported by social media, content marketing, webinars, and community channels. The platform is powered by Stripe for payments and Facebook/Google/Twitter for social sign-in, with ERPNext powering its careers portal. Laeeq Ahmad serves as Founder and CEO.

Name

Sarmaaya Financials

Legal name

Sarmaaya Financials Private Limited

Website

https://sarmaaya.pk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Sarmaaya Financials is a Pakistan-based, PSX-authorized financial research and portfolio tracking platform serving Pakistani retail investors with real-time market data, portfolio analytics, mobile apps, and paid financial education programs.

Ownership category

akta.pro rank

Product category

Financial Research Platform

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

Keywords

• Financial research platform
• Stock market analytics
• Portfolio tracking
• Investment education
• PSX market data

Headquarters

HQ city

Islamabad

HQ country

Pakistan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription Plans: Tiered subscription model offering Free, Pro (PKR 4000/month), Premium (PKR 6000/month), Elite (PKR 3000/month for alumni), and Enterprise plans. Provides access to real-time market data, portfolio tracking, watchlists, alerts, and holding analytics.
2. Training Programs: Expert-led financial education programs including Trading Mastery 3.0 (999 USD), Investment Mastery 3.0 (749 USD), Forex Fundamentals, Crypto Fundamentals (600 USD), Money Mindset (99 USD), and Financial Literacy for Kids (PKR 50,000).

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Sarmaaya Financials operates a subscription-based financial research and analytics platform serving Pakistani retail investors and traders, delivering PSX-authorized real-time market data, screeners, and analytics. The platform is complemented by Zar, a portfolio management mobile app, KYE (Know Your Expenses) for personal finance tracking, and a suite of structured financial education and training programs covering trading, investing, forex, crypto, and financial literacy.

Product overview

Sarmaaya Financials operates as a unified financial research and portfolio tracking platform built around its core Sarmaaya Platform, complemented by specialized sub-brands and modules. The ecosystem includes Zar by Sarmaaya for portfolio management and KYE (Know Your Expenses) for personal budgeting. The company offers subscription tiers (Free, Pro, Premium, Elite, Enterprise) and expert-led training programs covering trading (Trading Mastery 3.0), investing (Investment Mastery 3.0), forex (Forex Fundamentals), cryptocurrency (Crypto Fundamentals), financial mindset (Money Mindset), and youth education (Financial Literacy for Kids). Additional offerings include a Financial Calculators Suite, Property Projects tracking, and a Trading View integration (upcoming). The platform serves PSX investors with real-time market data, analysis tools, and educational content.

Differentiator

Problem solved

Functional benefit

Brands

• Mahir: Digital learning platform offering structured financial education
• Zar by Sarmaaya
• KYE (Know Your Expenses)

Products and services

• Sarmaaya Platform A subscription-based web research platform providing PSX-authorized real-time market data, stock screeners, mutual fund analysis, and proprietary analytics tools for Pakistani retail investors, traders, and finance professionals.

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

One partnership is on record.

• CS Solutions (Pvt.) Ltd.minorOthersCS Solutions (Pvt.) Ltd. is mentioned alongside Sarmaaya Financials Private Limited in disclaimers as co-provider of data. Both companies disclaim warranties and assume no liability for data accuracy.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bloomberg: Premium global financial data, analytics, and portfolio tools. Operates broadly across the same data/analytics category as Sarmaaya but targets institutional and high-net-worth users at a substantially higher price point.
• Morningstar: Investment research, mutual fund ratings, and portfolio analytics for retail and institutional clients. Comparable in the portfolio-analytics and research layer Sarmaaya offers, though operating across global markets rather than PSX.
• Yahoo Finance: Free, broad-reach financial data and portfolio tracking site for global retail investors. Overlaps with Sarmaaya's data and portfolio features but as part of a much wider content portfolio rather than a PSX-specialized offering.

Direct peers

• TradingView: Web-based charting, screening, and social-trading platform serving active retail traders. Sarmaaya's upcoming TradingView integration suggests direct overlap in charting and market-analysis workflows targeting the same audience.
• Investing.com: Global retail-investor platform offering real-time market data, portfolio tracking, screeners, and analytics across stocks, forex, and commodities. Closely comparable to Sarmaaya's core offering, with a far broader geographic footprint.

Regional players

• Tickertape: Indian equity analytics and portfolio tracking platform offering screeners, model portfolios, and fundamental data. Comparable product suite to Sarmaaya's Zar + analytics layer for retail investors.
• Screener.in: Indian equity screening and fundamental research platform popular with retail investors. Comparable to Sarmaaya's ratio-analysis and screener features for a South-Asian retail audience.
• Moneycontrol: Leading Indian retail-investor portal with real-time market data, portfolio tracking, research, and personal finance content. Highly comparable in product mix and target user; serves India rather than Pakistan.
• Kuvera: Indian retail investment platform offering mutual-fund and equity research, portfolio tracking, and financial education. Closest South-Asian analog to Sarmaaya's combination of data, education, and portfolio tools.
• Zerodha (Coin): India's largest discount broker, with Coin providing portfolio tracking and mutual-fund analytics. Comparable in combining brokerage-adjacent portfolio tracking with retail-investor education; serves India, not Pakistan.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Sarmaayapk
• Facebookfacebook.com/sarmaayapk
• LinkedInlinkedin.com/company/sarmaayapk
• Instagraminstagram.com/sarmaayapk

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sarmaaya Financials