Top 12 Small Investment Opportunities in Pakistan 2021

I recently met a friend of mine after ages. Like all Pakistanis, I started whining about my sky-high expenses and stagnated salary. However, he looked very happy.

Upon inquiring, he told me that he is spending money wisely and strategically. He sets aside a certain percentage every month, let’s say 20% of the total monthly income, and invests that amount into multiple investment opportunities like purchase a plot or plot file. As a result, he is not only gaining financial freedom but is also saving up for his future.

I fell in love with this idea at that instant. The idea is simple yet so effective. With small monthly deposits, you can save thousands of rupees every month. I personally researched this area and compiled a list of tried and tested investment opportunities in Pakistan. All these ideas require little investment but the ROI (return on investment) is significant. Get to know latest real estate marketing trends.

If you are someone who is also looking for side hustles and best investment options in Pakistan, or why you should invest in real estate then this article is for you.


best investment opportunities in pakistan


Investment Opportunities in Pakistan

Investment Type Money Needed to Start the Investment Return on Investment
1. Real Estate As low as Rs. 10 lac Variable. It can start at 16%
2. Peer to Peer Lending As low as Rs. 10,000 Variable
3. Investment in Stocks As low as Rs. 10 The average return is 10%. However, it can differ
4. Invest in Banks and Investment Companies As low as Rs. 10,000 Variable
5. Gold Rs. 93,400 for one tola Variable
6. Forex As low as Rs. 1000 Variable
7. Bonds As low as Rs. 100 Rs. 700,000
8. 3D Printing As low as Rs. 150,000 Variable
9. Savings Account As low as Rs.500 Variable (4.15% to 11%)
10. Retirement Plans Depends on your company policy Variable
11. Invest in your Skills No to minimum Variable, depending on your skillset
12. Certificate of Deposit As low as Rs.500 Variable

1. Real Estate[ps2id id=’Real-estate’ target=”/]

This is one of the most famous and widely practiced investment ideas in Pakistan. People buy property, especially land, and leave it for some time. Over time, the price of real estate appreciates. Keep a track of the market prices and sell the property when the prices are at their peak. There are some really good real estate blogs or real estate books out there that update you about real estate trends, construction cost, tips and tricks, plot size conversion and much, much more.

The best thing about real estate investment in Pakistan is that it is a safe investment option. You get total ownership of the property and most importantly, the land is an asset whose price always increases. Moreover, the market for real estate is improving at an increasing rate. That means you can expect greater returns and wider scope in real estate.

Get to know property tax in Pakistan.

If you cannot afford real estate on your own, try getting the property on installments, through loans or a partnership with trustworthy people.  One drawback of this investment is that the returns might take time and if you are looking for a short-term investment, then this option may not be feasible for you.

But, an important aspect that must be kept in mind at all times is that a real estate is a safe option that yields higher returns, making it an excellent option for small investments.

If you are looking for investment opportunities in real estate, consider investing in houses, flats, plots, or shops. All these assets will provide great yields in the form of resale value and rents. If you are confused between investing in a house or apartment read: house vs apartment where you should invest.

There many construction companies developing real estate projects in which you can invest in. Some of the real estate projects where you can invest are Mall of Arabia, Amazon Outlet Mall, Florence Galleria, and Imarat Builders Mall that are starting from as low as 17 Lac. If you are looking for secure investments with guaranteed returns, you should check out these projects.

Imarat Builders MallMall of ArabiaFlorence GalleriaAmazon Mall

2. Peer to Peer Lending[ps2id id=’Peer’ target=”/]

This investment idea in Pakistan is peer to peer lending. According to Investopedia, peer-to-peer (P2P) lending enables individuals to obtain loans directly from other individuals, cutting out the financial institution as an intermediary. If you are someone who has some cash stacked inside the bank, let’s say 1 lac or even Rs. 50,000, you can multiply that cash. Yes, you heard me right.

Give your money to people with an interest rate. Set the time duration for the lending, and you are good to go. However, this idea is risky but with high ROI. Try giving money to people you know and trust and never forget to document the lending process. If you want to reach your peers consider these Facebook marketing ideas to reach.

 3. Invest in Stocks[ps2id id=’Investment-stocks’ target=”/]

This is one of the best investment opportunities in Pakistan. Try investing in the stock market. If you do not have knowledge about stocks, try hiring a broker. The average stock return is usually 10% in Pakistan. That means if you invest Rs. 1000 in stock, it will give you Rs. 1100 after some time, and sometimes within hours.

However, again, like peer to peer lending, stocks are risky. You have to be well aware and strategic about your choice of stocks. Try building a portfolio of stocks to reduce the overall risk. Usually, the pricy stocks yield high ROI, but they also have a high risk attached to them. So, choose wisely! We do not want you to lose your money.

If you are confused between investment in stocks and real estate, we suggest you give a read to real estate vs stocks- where to invest in?.


 4. Invest in Banks and Investment Companies[ps2id id=’Invest-banks’ target=”/]

This is one of the cheapest business opportunities in Pakistan with low investment. Open a bank account and deposit a small amount in it. Start investing in the account every month. Banks usually offer 10% to 12% annual returns. Do a little research and select the bank that suits you the best. There are many investment companies in Pakistan as well that are giving high returns e.g. Lakson investments, PMIC, and vice versa.

 5. Gold[ps2id id=’Gold’ target=”/]

The prices of gold are increasing day by day. The recent price of one tola gold is Rs. 93,400. Last year, its price was around Rs68,000. You can clearly see the difference between the prices and the ratio of returns you can expect. So, try to invest in gold. Buy gold biscuits because they generate maximum returns. Similarly, you can also invest in diamonds and silver (Chandi).

 6. Forex[ps2id id=’Forex’ target=”/]

Forex trading means trading of different currencies. This is also a great investment opportunity because of its convenience and ease. Study the trends in currencies, keep yourself updated with the latest currency rates and financial situations, and try to invest accordingly.

For example, consider the example of the American dollar and Kuwaiti dinars. In 2018, the average price of one dollar was Rs. 140, and the price of a Kuwaiti dinar was Rs. 400. Today, the prices are Rs. 156 and Rs. 512, respectively. Just like gold, currencies are an excellent investment option.

foreign exchange

 7. Bonds[ps2id id=’Bonds’ target=”/]

This is an investment idea that is highly dependent on your luck. The Government of Pakistan issues treasury bonds starting from merely Rs. 100. Get those and regularly check them for prizes. If you are lucky, you may win cash prizes of thousands of rupees.

For example, the first cash prize for a bond of Rs. 750 is around Rs. 15 million. See the amount of effort you are putting, and imagine the rewards you are getting.

And the best thing? You can always use bonds as a substitute for cash. Student bonds are one of the safest and easiest investment ideas for students in Pakistan.

 8. 3D Printing[ps2id id=’printing’ target=”/]

Another way to invest your money is to get a 3D printer. You can start your own 3D printing business from Rs.150,000. It is a new field but it has a lot of scope in the market. 3D printer is excellent for customization. You can make jewelry, decoration pieces, mugs, prototypes, etc.

Every sector uses 3D technology including education, fashion, retail, medical, games, entertainment, and vice versa. In short, there is a bright future of 3D printing in Pakistan.

 9. Savings Account[ps2id id=’Savings-Account’ target=”/]

What is a savings account?

A savings account is a basic type of bank account that allows you to deposit money, keep it safe, and withdraw funds, all while earning interest. Savings accounts offered by most banks, credit unions, and other financial institutions are FDIC insured and typically pay interest on your deposits.

A savings account is an excellent option for people who do not have huge upfront capital. It is a perfect money-saving opportunity for people such as students, elderly people, housewives, and children. 

You can start your savings account with a mere investment of Rs.500. The bank saving account interest rate Pakistan varies from 4.15% to 11%. This means that if you deposit Rs.500 in your account, you are going to get Rs.556 with 11% interest. 

Simply, open your account, deposit small amounts of cash every month and earn returns on your savings. Some of the best savings accounts in Pakistan include the HBL savings account, Standard Chartered savings account, national savings, etc.

Get to know banks providing home loans in Pakistan.

The biggest advantage of a savings account includes minimum financial risk or loss. So, if you are a risk-averse person, you should definitely take into account this investment idea. The return on investment that you get maybe less but at least your money will be secure and you will not have to incur financial losses.

Investment opportunities in Pakistan

 10. Retirement Plans[ps2id id=’Retirement-plans’ target=”/]

Usually, companies offer employer-sponsored retirement plans to their employees. If you are a salaried person and your company is offering such opportunities, avail them today.

It is one of the most convenient and easiest ways to invest a small amount of money every month. The best thing about this investment is that not only are you adding money in the account, the company is also contributing to your account. At the end of every month, the company does a payroll deduction and allocates a percentage of your paycheck to go to the retirement plan.

It is okay if your employer does not offer such retirement plans. You can still start your own retirement plan. One of the main reasons why people opt for retirement plans is because of all the tax benefits attached to it. The income earned on your investments will not be subject to income tax until you retire and begin withdrawing money.

 11. Invest in your Skills[ps2id id=’Invest-in-your-Skills’ target=”/]

We bet you didn’t think about your skills as an investment opportunity. If you have any skill, make use of it. Polish your skill sets and earn handsome returns in no time.

 For example, if you are good at math, start tutoring online. There are sites that will pay you per hour for your services. If you know how to cook and bake, start your food business today. If you consider yourself a wordsmith, start earning from freelancing sites. 

The options are unlimited. All you need to do is identify your skillset and the things you love doing and earn through them.

 12. Certificate of Deposit[ps2id id=’Certificate-of-Deposit’ target=”/]

A certificate issued by a bank to a person depositing money for a specified length of time at a specified rate of interest. 

CD is a financial instrument that is usually offered by almost every bank in Pakistan. You deposit your money in the bank for a specific duration and earn a premium in return. If you are looking for a low-risk investment in Pakistan that also yields good returns, a certificate of deposits might work perfectly for you. 

However, one downside of this investment is that you may not be able to withdraw money from the bank for a certain amount of time. But if you are interested in long term investment, a certificate of deposit can be your best friend. Investing in restaurants can also work, but It’s not as easy as pie. In reality, the restaurant or hotel industry is characterized by small profit margins. Similarly, you can invest in a gym as this business is growing. There are many benefits and rewards attached with investing in a shopping mall. Get to know restaurants in bahria town Rawalpindi.

So, this was a compiled list of investment ideas in Pakistan. It will give a roadmap and an idea to you about where to invest a small amount of money in Pakistan. All these ideas are really simple and easy to start. Some of them may be a little risky, such as stocks, but they are a perfect source of a high return on investment in Pakistan. This is the era of science and technology. Follow some of the real estate’s podcast to get all the updates about this mega-industry. Get to know 1 billion equals how many crores

Get all the information for the process of driving license online verification in Pakistan. Get to know best way to secure your home. All of these above mention investment ideas you may open your gym to get a smart monthly income because people are more concern about there healthy lifestyle nowadays. To get an idea about gyms read more on gyms in Islamabad.


None of the information published in this article should be construed as investment advice. We strongly advise our readers to always do their due diligence before investing in any project. It is the reader’s responsibility to know the laws regarding investments in their region.

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  • Breaking News Pakistan January 7, 2020 at 1:32 pm

    There are many types of investment opportunities in Pakistan but two types of investments that are widely popular and easy to start are real estate and stocks.

    • Graana Blog June 25, 2021 at 5:51 pm

      Hi, thank you for getting in touch. Yes, we totally agree with you. Both of these investment options are feasible and highly popular among the Pakistani population.
      Real estate starts with higher capital but it also comes with many benefits, much higher than benefits associated with stocks.
      To know more about these real estate projects, visit

  • Zeeshan January 8, 2020 at 1:08 am

    A very useful and unique list especially for young people. From the list these categories “Real Estate and Dealing in Gold ” are the best to invest they will never loose their value and the last point of “3d Printing” this is unique and trendy many people like to have their and their pictures on different things. I would say this for young guys to invest in

  • muhammad mujahid March 2, 2020 at 11:47 am

    3d printing present main kaam tu slow hai or is ka return ktna hoga

    • Graana Blog March 2, 2020 at 4:39 pm

      It totally depends on your capacity and level of investment.

  • Kramat ali March 16, 2020 at 4:30 am

    I interested in investment Rs.170000/- please guide me this company

    • Graana Blog March 20, 2020 at 12:21 pm

      Some of the projects where you can invest are Mall of Arabia, Amazon Outlet Mall, Florence Galleria and Imarat Builders Mall that are starting from as low as 17 Lac. If you are looking for secure investments with guaranteed returns, you should check out these projects here

  • Wajahat nasir April 10, 2020 at 8:59 pm

    forex is illegal in pakistan.

    • Graana Blog April 20, 2020 at 5:32 pm

      It’s legal but with some restrictions.

  • Mohammad Khan May 7, 2020 at 2:40 pm

    I’m thinking about investment in real estate but not sure where to put my money. Do you guys have any thoughts?

    • Graana Blog May 12, 2020 at 2:16 pm

      Some of the projects where you can invest are Mall of Arabia, Amazon Outlet Mall, Florence Galleria, and Imarat Builders Mall that are starting from as low as 17 Lac. If you are looking for secure investments with guaranteed returns, you should check out these projects here

  • Shahid June 12, 2020 at 11:58 am

    what about investment in Digital Currency or Crypto Currency in Pakistan e.g Bitcoin, B4U Global etc., is it safe? whats its ROI.

    • Zalan May 1, 2021 at 5:20 am

      Yes bro, it is totally safe to invest and best opportunity for investment. I have also invested

  • Shahrukh June 17, 2020 at 6:55 pm

    Could you explain or attach links to the process, restrictions and other details regarding forex trading?

    • Graana Blog June 25, 2020 at 4:44 pm

      Hi! This blog piece will help you with how the whole thing works.

    • Muhammad Usman February 19, 2021 at 12:16 pm

      Mr Perry Morgan makes trading easy for me, he is a good Man and I like his trading startegy. He monitor my trading account and I withdraw my profit weekly. I earn up to $1870 weekly with little investment of $200. I decide to give him a try after many doubts and I was surprised to withdraw my profit without stress after 7 days. I promise him I Will share about his Good testimony because he is sincere.

      • Shabir Ahmed March 4, 2021 at 7:26 pm


  • Agnes Gromala June 28, 2020 at 9:52 am

    The cryptocurrency market has made a lot of people very wealthy over the past decade. However, due to the volatile nature of the prices of digital currencies, it is understandable that many people, especially new traders, are hesitant to trade cryptocurrencies.

    • Muhammad Adeel November 23, 2020 at 11:42 pm

      Is it possible to buy cryptocurrencies other than bitcoin in Pakistan? If yes then please can you tell me. Thankyou.

  • Muhammad Farhan July 10, 2020 at 9:35 pm

    P2P lending is illegal.

    LAHORE, June 12, 2007: Private money lending, individually or collectively, will be a non-bailable offence in Punjab and the violator will get up to 10 years of imprisonment with a Rs500,000 fine or both.

    • Graana Blog July 13, 2020 at 9:46 am

      Thank you for adding this valuable information. Yes, it is mandatory for lenders to go through a proper legal channel before making any transaction.

  • shakeel khan August 30, 2020 at 12:29 pm

    I’m thinking about invest in Islamabad please guide me this thanks

    • Graana Blog August 31, 2020 at 10:10 am

      Some of the projects where you can invest are Mall of Arabia, Amazon Outlet Mall, Florence Galleria and Imarat Builders Mall. If you are looking for secure investments with guaranteed returns, you should check out these projects here

  • saifullah September 10, 2020 at 6:13 pm

    dear if i do my investment with forex. what is guarantee that forex will not default

    • Graana Blog June 30, 2021 at 12:34 pm

      Hello! Thank you for getting in touch. As an investor, keep this in mind that every investment comes with their own set of pros and cons. There is risk and uncertainty attached to every investment. This is the same case with forex. You can mitigate risk by investing wisely.

  • Hamed Abdalla September 13, 2020 at 6:52 pm

    I am interesting in manufacturing plastic industrial parts. Mostly parts for bottling and canning lines. I have vast experience in manufacturing, injection moulding, extrusion of plastics.

    • Graana Blog June 30, 2021 at 12:40 pm

      Hi. Thank you for getting in touch. We are glad to hear that you are an expert in the field of manufacturing. Real estate and manufacturing go hand in hand. Try to find avenues in the real estate industry and showcase your expertise in the real estate world.

  • Umair Arshad December 7, 2020 at 10:38 am

    Hi there. I need to invest my money as a student. Please guide me where i get guarantee not to lose my money. This is my first time investment.

    • Graana Blog June 25, 2021 at 5:54 pm

      Hi, thank you for getting in touch with us. Real estate is one of the most lucrative investment opportunities in Pakistan that yields higher returns in a short span of time.
      Your investment depends on the amount of capital you have. Kindly share your contact details with us at [email protected] so that we can talk about your future investment in detail.

  • musharraf April 6, 2021 at 9:45 pm

    i interest in invest ment

    • Tanveer Ahmed April 29, 2021 at 11:19 am

      I want to invest 5 lac which business is profitable.if I want to start my own which field is best?

  • Mubashar Ahmad April 21, 2021 at 11:29 pm

    i am intersted to invest in banking plz send me details…thanx

  • Hamna Akram April 30, 2021 at 12:32 am

    Give me details about bank investment…

  • Rhoda Bantao May 2, 2021 at 3:58 pm

    Very informative. Real estate and gold are wise investments wherever you go. Do foreigners can invest in real estate in Pakistan? Thanks.

    • Graana Blog June 25, 2021 at 5:36 pm

      Hi. Thank you for getting in touch. Yes, we are glad to tell you that you can invest in real estate even if you are not residing in Pakistan. To discuss this matter in detail, we would like to get in contact with you. Kindly send in your contact details to [email protected] so that one of our real estate professionals can guide you further on this.

  • Algoritmi June 3, 2021 at 5:14 pm

    In a Islamic country, most of the investment options are not Sharia compliant or Halal. So sad, I live in non muslim country and looking for Halal investment but there are so little options.

    • Graana Blog June 25, 2021 at 5:35 pm

      Hi. Thank you for getting in touch. We are sorry to hear about your saddening experience. However, at, you can safeguard your money by investing it in our real estate projects. Our projects are perfect for overseas investors who are looking for avenues to grow their hard-earned money.
      Please send in your details to [email protected] so that we can link you with one of our real estate experts.

  • ABDUL MOIZ June 15, 2021 at 12:26 pm

    im interested in stock kindly tell me how to invest in stock????

    • Graana Blog June 24, 2021 at 3:05 pm

      Hi, thank you for getting in touch with us. Stocks are a perfect source of generating good side money. Please visit our blog and search for “stocks” by using our search engine. Apart from stocks, real estate generates excellent returns in a short period. If you are interested in knowing more about our real estate projects, log in to

  • Music June 28, 2021 at 4:55 am

    very very good 🙂

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