لکی انویسٹمنٹ میں پیسے لگانے کا حکم

السلام علیکم!معزز و محترم جناب !
میں "لکی اسلامک منی مارکیٹ فنڈ" میں سرمایہ کاری کرنا چاہتا ہوں، اس حوالے سے آپ کی رہنمائی درکار ہے کہ آیا یہ جائز ہے یا ناجائز؟

کمپنی نے اس بارے میں فتویٰ جاری کیا ہے جو فائل کی صورت میں منسلک ہے، براہِ کرم آپ اس کی تصدیق فرما کر بتا سکیں کہ یہ جائز ہے یا ناجائز؟
جزاک اللہ!

APPROVAL OFِTHEِSHARIAHِADVISORِFORِLUCKYِISLAMICِMUTUALِFUNDSِ
Septemberِ30,ِ2025 ِِِِِRabiِusِSani 6,ِ1447ِA.H

This is to certify that below mentioned Unit Trusts (Islamic Mutual Funds) managed by Lucky Investments
Limited (LIL) are based on the principles of Investment Agency (Wakalat-ul-Istithmaar) contract and
strictly conform to Shariah principles and rules.
i. The arrangement, related documents and contracts have been reviewed and found
consistent with Shariah principles and rules.
ii. Under the Investment Agency arrangement, the unit holder acts as the Principal (Muakkil),
while the Asset Management Company (AMC) serves as the Investment Agent (Wakeel
Bil Istithmaar).
iii. The AMC invests funds received from the unit holders into various Shariah-compliant
avenues on behalf of the unit holders. These include but are not limited to Shariahcompliant equities and Islamic Sukuk markets.
iv. The Investment mechanism, procedures and constitutive documents of the Unit Trusts
listed below have been duly vetted and are under the ongoing supervision of the Shariah
Advisor.
v. All investments are made solely in Shariah-compliant avenues. The AMC does not engage
in any direct or indirect transactions involving Riba (interest).
vi. The investment mechanism and all arrangements exclude excessive Gharar with
continuous supervision in place to mitigate/avoid any excessive uncertainty.
vii. Under this arrangement, the AMC charges a fee for services rendered in managing the
funds.
viii. The AMC operates under the Shariah Governance Regulations issued by Securities and
Exchange Commission of Pakistan and continuous guidance of the Shariah Advisor to
avoid any shariah non-compliance risk.
Based on the above, a Fatwa is hereby granted that Lucky Investments Limited is following Shariah rules
and principles in all of its operations, transactions and business activities. Additionally following Unit
Trusts of LIL are also complied with Shariah rules and principles:
1. Lucky Islamic Money Market Fund 2. Lucky Islamic Income Fund
3. Lucky Islamic Stock Fund 4. Lucky Islamic Fixed Term Fund
MayِAllahِmakeِusِsuccessfulِandِacceptِeffortsِofِtheِAssetِManagementِCompanyِforِ
developingِofِIslamicِFinanceِSystem
________________________
Muhammad Hassaan Kaleem
Shariah Advisor
Lucky Investments Limited

الجوابُ حامِدا ًو مُصلیِّا ً

سائل نے ” لکی اسلامک منی مارکیٹ فنڈ“ کی مکمل تفصیلات اور اس میں سرمایہ کاری کا طریقۂ کار بیان نہیں کیا تاکہ اس پر غور کرکے حکمِ شرعی سے آگاہ کیاجاتا،تاہم سوال کے ساتھ منسلک سرٹیفیکیٹ جس پر مفتی حسان کلیم صاحب بطورِ شرعی ایڈوائزر کی تصدیق موجود ہے، لہذا اگر ”LIL“کمپنی کاطریقۂ کار واقعۃً شرعی اصول و ضوابط کے مطابق ہو تو اس میں سرمایہ کاری کی اجازت ہوگی، ورنہ نہیں۔