MunafaPlus
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About

Analysis, not gambling tips.

MunafaPlus is AI-grounded PSX research — built for Pakistani retail investors who want clarity, not hot picks. We synthesise broker calls, multi-source news, corporate announcements, and dividend history into briefs you can read in two minutes on a 375-pixel screen. Mobile-first, Urdu-friendly, free in v1.

What it does

The stock brief

Type a ticker — HBL, OGDC, ENGRO — and get a structured brief composed by a three-analyst panel. One panellist plays the bull, one the bear, one the synthesiser. The output is graded on seven dimensions: technicals, valuation, news flow, liquidity, event risk, sector, and circuit history. A composite rating sits at the top, but the dimensions stay open so you can disagree with any of them. Never a target price, never a buy / sell verdict.

The data

Live PSX quotes, indices, and breadth data from psxterminal.com. News from Mettis Global, Business Recorder, and Dawn — three independent voices, not a single feed. Corporate announcements straight from the PSX disclosure stream so you see board-meeting notices, dividends, and payout dates the same day they’re filed. Sarmaaya.pk for fundamentals and the broker target prices our pipeline reads from published research PDFs. Every data claim carries a citation chip linking to the original source.

The assistant

A chat assistant sits beside every page. Ask it “why is HBL up today”, “what dividends did MCB pay last year”, or “summarise yesterday’s SECP announcements”, and it answers with tool-calls — pulling live numbers, broker calls, and news headlines, then citing every claim. No hallucinated targets, no speculative narrative. If the data isn’t there, the assistant tells you so.

A note from the founder

You’re reading something built by an independent retail investor in Karachi, not a 40-person fintech with VC money. That shapes the product. There’s no premium tier in v1, no paywall on the brief, no “upgrade to see broker calls” friction. The site is mobile-first because most of you read it on an Android during a commute, and Urdu-friendly because half the news that moves PSX prices is reported in Urdu first. Feedback, bug reports, and angry emails are all welcome — this is v1, and it gets better the more you push it.

Frequently asked

How does WHT (withholding tax) on dividends work in Pakistan?
Pakistan applies withholding tax on dividend income at source. As of the 2026 tax year, filers (active taxpayers on the FBR ATL) are taxed at 15%; non-filers pay 30%. Mutual fund and ETF dividends are taxed separately. Source: PwC Worldwide Tax Summaries — Pakistan, January 2026. Verify your filer status on the FBR portal before each dividend season; rates change in the annual Finance Act and your broker deducts based on your status at the time of payment.
Is the AI giving investment advice?
No. MunafaPlus produces analysis, not advice. The AI synthesises publicly available data — broker calls, news, technical indicators, dividend history — into a structured stock brief. It does not know your risk tolerance, liquidity needs, or tax position, and it cannot anticipate market events. Treat every brief as a starting point for your own research. For personalised investment advice, consult a SECP-licensed advisor. Every page on this site carries the same footer disclaimer: data is informational only.
Where does the data come from?
Live market quotes and KSE-100 / KMI-100 index data come from psxterminal.com. News headlines aggregate from Mettis Global, Business Recorder (brecorder.com), and Dawn (dawn.com). Corporate announcements — board meetings, dividends, payout dates — come from the official PSX disclosure stream at psx.com.pk. Fundamentals and broker target prices reference Sarmaaya.pk and the published research notes our pipeline ingests. Every claim in the AI brief shows a citation chip linking back to the underlying source.

Data sources