CMFD

Paisa Samjho

Learn the basics of Pakistan’s capital market in simple Urdu — including shares, sukuk, mutual funds, risk, investor rights, and how to start investing.

Beginner English

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About this course

Paisa Samjho is a foundation-level micro-course by the Institute of Financial Markets of Pakistan (IFMP), designed to make capital market concepts simple, practical, and accessible to everyone. With zero prior financial knowledge required, the course explains how Pakistan’s capital market works using everyday examples and plain Urdu. Learners are introduced to key institutions including SECP, PSX, CDC, and NCCPL, along with basic investment options such as shares, bonds, sukuk, and mutual funds. The course also covers risk and return, Shariah-compliant investment options, common stock market misconceptions, opening an investment account, and the fundamental rights of investors in Pakistan. Through 10 short lessons, embedded quizzes, practical activities, and a final investment-decision scenario, learners develop the basic knowledge needed to understand and participate more confidently in Pakistan’s regulated capital market. The primary course language is Urdu, with English subtitles. Successful learners who meet the course requirements receive the IFMP Digital Badge — Capital Market Aware.

What you'll learn

Explain what a capital market is and why it is important.
Identify the roles of SECP, PSX, CDC, and NCCPL in Pakistan’s capital market.
Understand the basic differences between shares, bonds, sukuk, and mutual funds.
Explain the relationship between investment risk and potential return.
Recognize basic Shariah-compliant investment options available in Pakistan.
Identify and challenge common misconceptions about stock market investing.
Understand the basic process of choosing a licensed broker and opening an investment account.
Recognize fundamental investor rights and complaint mechanisms.
Apply basic capital market concepts when considering an investment decision.
Make more informed financial decisions based on risk, objectives, and available investment options.

Requirements

No prior knowledge of capital markets or investing is required.
Basic ability to understand spoken Urdu.
Internet access and a smartphone, tablet, laptop, or computer.
Approximately 75 minutes to complete the full course.
Learners should complete the lessons and required assessments.
A minimum 60% passing score is required where applicable.
Quiz retakes are allowed according to the course assessment rules.

Curriculum

1 section · 10 lessons

Paisa Samjho: Capital market basics 10 lessons

Lesson 1: Why your money shrinks — and what you can do
Lesson 2: What is a capital market?
Lesson 3: Pakistan's market landscape — PSX, SECP, CDC, NCCPL
Lesson 4: Shares, bonds and mutual funds
Lesson 5: What is risk? What is return?
Lesson 6: Is investing halal?
Lesson 7: Myth-busting — three common misconceptions
Lesson 8: How to open a CDC Investor Account
Lesson 9: Your rights as an investor
Lesson 10: My first investment decision — capstone

Quizzes

Lesson 2: Quiz

Practice · 3 questions · 1 min

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Lesson 3: Quiz

Practice · 3 questions · 1 min

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Lesson 4: Quiz