1. Pakistani nationals who hold a valid National Tax Number or Computerized National Identity Card.
2. Employers on behalf of their employees who are already registered as Participants.
3. Non-resident Pakistanis holding a National Tax Number or Computerized National Identity Card.
4. Accumulated balance from Approved Employment Pension or Annuity Scheme or Approved Occupational Savings Scheme (i.e. approved gratuity fund or recognized provident fund) can be transferred to Atlas Pension Fund.

1. The Participant and/or employer shall voluntarily determine the Contribution amount subject to the minimum contribution limit, which shall then be payable in annual, semi-annual, quarterly, bi-monthly or monthly installments as may be determined by the Participant / employer contributing on behalf of the Participant.
2. Minimum Contribution Limit: The minimum Contribution amount per month within any financial year, shall not be less than 10% of the Participant’s monthly income or Rupees Five Thousand (Rs. 5,000/-) per month, which ever is lower.
3. Maximum Contribution Limit: There is no maximum limit for Contribution, however the total Contribution amount to avail tax credit in any one tax year by any Participant within any financial year, shall be governed by Section 63 of the Income Tax Ordinance, 2001.

The Prescribed Application Forms which are required to be submitted by the Participant include the following:

1. Participant Registration Form: This is required to be filled in and submitted when the applicant is registering as a Participant with the Atlas Pension Fund for the first time. This includes the Participant’s personal information, Contribution details and frequency, nomination details and selected Allocation Scheme details.
2. Nomination Form: This form is required to be submitted by the Participant along with the Participant Registration Form or subsequently at any other point in time to nominate the nominees entitled to the accumulated balance of the Participants Individual Pension Account in the unfortunate event of the death of the Participant.
3. Participant Contribution Form: This form is required to be submitted by the Participant or on his/her behalf by the Employer, if authorised by the Participant subsequently for each time he/she makes the Contribution.
4. Change of Allocation Scheme Form: This form is required to be submitted by the Participant for changing the Allocation Scheme for all new Contributions as well as the accumulated balance of the Individual Pension Account. This change may be done only once in a year.

Along with Participant Registration Form, Allocation of Contributions Form and Nomination Form, the Participant will be required to submit duly attested copies of his and his nominee(s) Computerized National Identity Card (B-Form Number in case of minors) or any other form of identification acceptable to Pension Fund Manager.

To view and/or download all Forms click here

Participant can make payment by cheque or bank draft or pay order, made payable to the “CDC-Trustee-Atlas Pension Fund” crossed “Account Payee only”.
Payment can also be made through direct deposit of cheque/ bank draft/ pay order in a designated bank account (and attaching specially designed deposit slip and/or Participant Contribution Form evidencing payment into the designated bank account) or through direct (auto) debit from Participant’s bank account to the designated bank account for which the instructions along with the date of such transfers and all relevant details have been provided in writing earlier to the Pension Fund Manager.

NOTE: Payment in cash or any other bearer instruments will not be accepted.

Only the Pension Fund Manager and Authorized Branches of Distribution Companies are authorized to collect application forms and payment in the form, as stated above, for the Contribution in Atlas Pension Fund. No other person (including Sales Agents) is authorized to accept the forms or payment.