Introduction

The objective of NIT Islamic Fixed Term Fund is to offer multiple shariah compliant investment plans and each investment plan shall provide investors with a promised rate of return at the maturity date as per the investment policy, investment

objective and terms and conditions of the respective investment plans as disclosed in the offering document or supplementary offering document of the Fund.

Objective

The objective of the Plan is to provide promised rate of return to the Unit Holders at maturity by investing in Shariah Compliant Fixed Income Securities.

Features of NITIFTF1

Better Shariah compliant returns compared to other saving options
Fully Shariah-compliant investment portfolio
Low Wakalah Fee (Management Fee)
Managed by Experienced Fund Managers
Diversified risk exposure
No Minimum Holding Period
No Penalty on Withdrawal
Easy Encashment
E-Transaction Facility (Including Raast Platform)

Risk Meter

Low Moderately Low Moderate Moderately High High

Fund Facts

Plan Name

NIT Islamic Fixed Term Fund Plan I

Fund Category

Fixed Rate/Return Fund

Asset Manager

National Investment Trust Limited

Investment Objective

The objective of the Plan is to provide a promised rate of return to the Unit Holders at maturity by investing in Shariah compliant fixed income securities.

Subscription Period

October 22, 2026 to October 28, 2026

Launch Date

October 29, 2026

Profit Distribution

At Maturity of the Plan

Management Fee (% per annum)

Up to 1.00% p.a.

Front-End Load

Nil (no front-end load)

Contingent Load

Early withdrawal shall be subject to contingent load. Contingent load shall be commensurate with the net loss incurred due to early redemption and shall be made part of the Investment Plan property.

Auditor

BDO Ebrahim & Co, Chartered Accountants

Trustee

Central Depository Company of Pakistan Ltd.

Promised Expected Return

11.9% – 12.1% p.a.

Plan Maturity

Up to 12 months

Minimum Investment Amount

Rs. 100,000

S.No	Authorized Investment Avenues	Entity Rating	Maximum Exposure	Minimum Exposure	Time to Maturity
1	Cash at bank with Islamic Banks or Islamic windows of Conventional Banks.	AA	100%	0%	Within or up to maturity date of the Plan*
2	Shariah compliant bank deposits and placements, including Islamic Term Deposit Receipts (I-TDRs), Shariah compliant Certificates of Deposit (COD), Certificates of Musharakah (COM) and other placements of Islamic banks or windows of conventional banks, Islamic financial institutions and DFIs.	AA	100%	0%	Within or up to maturity date of the Plan*
3	Shariah compliant GOP issued/guaranteed securities.	N/A	100%	0%	N/A

Target Market

Individuals, Banks, DFIs, HNWIs, Corporates, Employee Retirement and Endowment Funds, Insurance Companies, Trusts, NGOs and Charitable Organizations.

Performance Benchmark

PKISRV rates on the last date of the IPO / subscription period of the Plan, with maturity period corresponding to the maturity of the Plan.

Conversion of Units at the Time of Maturity

At the time of maturity of the Plan, the units available may be converted to units of Shariah compliant Money Market Collective Investment Schemes and / or Shariah compliant Fixed Rate / Return Schemes under the management of National Investment Trust Limited, as directed by the Unit Holder(s).

Key Benefits

Expected return at maturity.
Moderate risk product; suitable for investors looking for a fixed-term investment horizon of up to 12 months.
No front-end load.

Note:

Investment in the IPO shall not be redeemed.
This term sheet is developed to reflect the basic features of the Plan and is not intended to be used as a substitute for the Fund's Offering Document.
The maturity of the placement shall not exceed that of the Plan.
Subscription of the Plan will be subject to availability of the underlying security. Where the required amount is not invested or fully invested through primary / secondary market purchase at the desired level, NIT would accept participation on a pro-rata basis in the Plan, while returning the remaining amount to the investor. Further, where the entry participation does not materialize, the Management Company shall return the entire amount to the participant.

Risk Disclaimer:

All investments in mutual funds are subject to market risk. The NAV of Units may go down or up based on the market conditions and there are no guaranteed returns. The investors are advised in their own interest to carefully read the contents of the Offering Document, in particular the Investment Policy mentioned in clause 2, Risk Factors mentioned in clause 2.4, 'Variance Pooler' mentioned in Clause 7 and 'Wantage' in Clause 9 before making any investment decision.

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