About Surplus:

Individual & Group Takaful Plans provide a unique concept of Surplus Sharing to Participants in addition to risk mitigation benefits. By contributing as Tabarru (donation) into the common pool (Waqf) the Participant is entitled to the share of fund surplus, if any. At the end of the stated period, after paying off claims and other expenses, any excess amount is utilized for the following purposes:

Distribution of Surplus:

The entitlement of surplus share from Re-Takaful Operator (Munich Re-Takaful) for 2023 was Rs. 22.19 Million. The Company formulated the Surplus for Individual Unit Linked Business and distributed Rs. 154.15 Million among participants in 2024.