Atlas Income Fund (AIF) was established by a Trust Deed dated February 20, 2003 between Atlas Asset Management Limited (AAML), as Management Company and Muslim Commercial Financial Services (Private) Limited (MCFSL)-a wholly owned subsidiary of MCB Bank as Trustee. With effect from June 11, 2005, with the signing of the Deed of Change of Trustee and First Supplemental Trust Deed dated June 11, 2005, Central Depository Company of Pakistan Limited, (CDC), has been appointed as Trustee in place of the retiring Trustee (MCFSL).

To provide its unit holders a good rate of current income consistent with reasonable concern for safety of principal, liquidity and the facility to join or leave the fund at their convenience.

The Fund invests mainly in high quality fixed income securities. In selecting debt instruments and government securities, the Fund considers individual credit market risks, with the understanding that market value of even high quality fixed rate securities can fluctuate with change in interest rate levels. The Fund may also invest in Margin Trading System (MTS) and Spread Transactions (Ready Futures). The asset allocation depends on prevailing market conditions and exposure limits.

Fund Launch Date	:	March 22, 2004
Type	:	Open-ended
Category	:	Income
Dealing Days	:	Monday to Friday
Cut Off Timings	:	9:00 a.m. to 4:00 p.m.
Front End Load	:	Nil
Pricing Mechanism	:	Forward Pricing
Management Fee	:	Up to 1.50% Actual Rate of Management Fee will be disclosed in Monthly FMR
Expense Ratio Limit	:	Upto 2.5% (including Management Fee) of Average Annual Net Assets
Fund Risk Profile	:	Medium
Rating	:	AA-(f) PACRA (As on 18-October-2024)
Listing	:	Pakistan Stock Exchange
Trustee	:	Central Depository Company of Pakistan Limited (CDC)
Registrar	:	ITMinds Limited: 99-B, Block “B”, S.M.C.H.S., Shahrah-e-Faisal, Karachi.
Auditor	:	A. F. Ferguson & Co.
Financial Year Ending	:	June 30
Minimum Investment	:	Rs. 5,000/-
Benchmark	:	Average 6 Months KIBOR (Offer)

Atlas Income Fund is a conventional avenue of investment in mutual funds suitable for individuals, corporate clients and retirement schemes ranging from a short to long term investment.

• Competitive returns
• Online access to individual accounts
• Professional Fund Management Expertise
• Required minimum investment as low as Rs. 5,000
• Easy withdrawal of money
• No minimum holding period
• Risk Diversification
• Exemption from Zakat (on submission of Affidavit)