5th Pillar Family Takaful Limited is a Shariah-compliant company that helps Muslims plan and save for Hajj in a disciplined, ethical and interest-free way. Their mission is to make the dream of Hajj more accessible and affordable for muslims in Pakistan and other selected countries.
They offer a structured savings plan based on Islamic principles that allows individuals and families to prepare financially for this important journey without compromising their faith. Unlike informal savings methods, their approach is secure, transparent and tailored to your needs.
With flexible terms of 5, 10, 15, 20 or 25 years, you can start saving at your own pace while remaining confident that your contributions are managed responsibly. You can also use their online Hajj Planner to calculate your savings.
Hajj: The fifth pillar of Islam
Hajj is the fifth pillar of Islam and a once-in-a-lifetime obligation for every adult Muslim who is physically and financially able. It is a spiritual journey that begins with intention and includes sacred rituals such as ihram, tawaf and sa’i.
Pilgrims visit Mina, stand on the plains of Arafat, spend the night under the open sky in Muzdalifah, perform the symbolic stoning at Jamarat, offer qurbani (animal sacrifice), and complete the final tawaf before returning home.
Hajj is physically and financially demanding but it is also deeply rewarding. It is a journey that strengthens faith, brings inner peace and connects the believer with their God in a way few experiences can.
A dream often delayed for many
Many Muslims feel a deep desire to perform Hajj but are forced to delay the journey due to high costs or personal responsibilities. Some wait until old age or until life settles before planning their pilgrimage.
However, if you have the financial means, Hajj becomes obligatory (farz). If you can afford a holiday or a new car, you may already be considered a Sahib-e-Istita’at — someone for whom Hajj is due.
Islam encourages performing Hajj while you are young, healthy and able. Don’t wait for the perfect time. Start planning now and let your intention lead the way.
A complete Hajj experience: ‘Let’s walk together (Aaiye Saath Chalein)’
The 5th Pillar Hajj Savings Plan is more than a financial product. It is a full-service solution that supports you from your first rupee saved to the moment you complete your Hajj.
- Visa processing
- Flight and travel arrangements
- Ihram kits and preparation
- Training sessions before departure
- Vaccinations and medical support
- Accommodation near the holy sites
- Assistance throughout your pilgrimage
From the tents of Mina to the final tawaf in Makkah, you will never be alone. Their team will be by your side to ensure a smooth and meaningful experience.
Whether your Hajj is five years away or 15, the best time to begin is now.
Backed by trusted sponsors
5th Pillar Family Takaful is supported by highly respected institutions with decades of experience and financial strength:
Kuwait International Investment Holding Company (KIIC)
Founded in 1973 and headquartered in Kuwait City, KIIC is partially owned (31.9 per cent) by the Kuwait Investment Authority, the sovereign wealth fund of Kuwait’s government. The company has strong ties to Kuwait’s leading business families and investment networks.
IFA Group Kuwait
Incorporated in 1974, IFA Group is a multi-billion dollar group with holdings in Takaful, financial services, hospitality and real estate. It owns over 11,500 five-star hotel rooms across the Middle East, Africa, Europe and the US, giving it exceptional expertise in the travel and hospitality sector.
5th Pillar Holding DIFC, Dubai
A special-purpose entity established by prominent Kuwaiti business groups to build a Takaful ecosystem in key Muslim-majority countries. The journey starts in Pakistan with plans to expand into Bangladesh, Indonesia, Turkey and Egypt.
Muhammadi Family and Associates
A respected business family with over three generations of experience in the insurance and Takaful industry in Pakistan.
With the support of these sponsors, 5th Pillar Family Takaful is able to offer reliable services, advanced technology and affordable Hajj packages to help more Muslims fulfil this sacred obligation with peace of mind.
