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FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions:

Frequently Asked Questions (FAQs)

What is the minimum amount required to open an account?

The minimum initial deposit required to open a trading account is PKR 5,000.

How long does it take for my account to be activated?

The account activation timeline depends on the timely submission and successful verification of all required documents.

If all documents are submitted correctly without any discrepancies, your account is typically activated within 2-3 days, allowing you to trade on the Pakistan Stock Exchange (PSX).

Please note that incomplete documentation or discrepancies may result in processing delays.

How do I deposit the initial amount into my trading account?

Once your account is opened, you will receive a Welcome Email containing a PDF with your Raast ID. You can transfer your funds to the provided Raast ID only from the bank account registered with Eclear Services.

How can I close my Delight Equity account?

To close your account, simply send a request via email to Delight Equity Ltd. requesting the closure of your trading account. Our team will guide you through the remaining process, if required.

How do I withdraw funds from my account?

You can withdraw funds through your Trading Portal or the Eclear Mobile Application.

Simply:

  1. Log in to your account.
  2. Check your wallet for the available balance.
  3. Enter the amount you wish to withdraw.
  4. Submit the withdrawal request.

Are there any service charges?

Yes. The following charges apply:

House commission charges Minimum 0.03 paisa maximum 0.15% on buying and selling

  • Eclear/CDC account maintenance charges: PKR 95.83 per month.
  • NCCPL UIN Account Maintenance charges: PKR 345.00 per annum
  • KYC Admission Fee PKR 115.00 per annum charged by NCCPL
  • KYC Mobile Verification Fee PKR 75.90 per annum charged by NCCPL

Can I register multiple bank accounts during the account opening process?

Only one bank account can be registered during the account opening process. Once your account has been opened, you may request to add additional bank accounts. A maximum of three bank accounts can be registered with your trading account.

What are the documents required for opening an account?

Things which are needed in account opening:-

  • CNIC (Front+Back)
  • Nominee CNIC (Front+Back)
  • Cheque Pic for proof of IBAN no
  • Zakat Exemption Certificate on Stamp Paper
  • Registered Mobile no
  • SIM Registered on Your Own Name
  • Your Own Email address
  • Mother Name
  • As per CNIC signatures on white paper
  • Income Documents

For Salaried Individuals:

  • Salary slip with company stamp (preferably of the current month, or at most up to 3 months old).
  • If the company stamp is not available, then a bank statement showing salary deposits may be provided instead.
  • If the salary slip is not available, then a letter on the company’s letterhead stating the monthly income must be provided, duly signed and stamped by the company.

For Business Owners:

  • Income Tax Return
  • Visiting card (if available)
  • An Affidavit in which the income statement is being presented (investment limit 2.5 hundred thousand only)

For Retired Individuals:

  • Pension slip
  • Pension book
  • Income Tax Return
  • Bank statement of the last 6 months (at minimum)

For Share Investors:

  • Complete CDC Statement

For House Wife:

  • Tax Return (If available)
  • A financial support letter should be provided if the applicant is being supported by their husband or guardian, along with both of their pay slips
  • If the wife has a personal source of income, then tax return or an undertaking on stamp paper is required

For Students:

  • Valid student ID card
  • Financial support letter if supported by father/husband or guardian along with both of their pay slips
  • If the student/wife has a personal source of income, then an undertaking on stamp paper is required

For Freelancers:

  • Undertaking on stamp paper
  • Income Tax Return

Can I add or change the bank account used for transferring funds?

Yes. You can request to add or change your registered bank account by sending a mail from your registered email address to Delight Equity along with a copy or clear photograph of your cheque (or any document showing your IBAN) as proof of the bank account.

Alternatively, you may contact by phone to initiate the request.

Is Trading in PSX Halal?

If you prefer Shariah-compliant investments, you can choose shares listed in the KMI-30 or PSX-KMI All Share (KMIALL) indices, which include Shariah-compliant companies on the Pakistan Stock Exchange.