Sherjeel Islam
Founder & Lead Developer
Sherjeel Islam is the founder and lead developer behind PakGains. With an extensive background in software engineering, database architecture, and enterprise data systems, he specializes in building real-time market tracking tools and analytical models for Pakistani investors. Sherjeel focuses on bridging the gap between raw market data and practical financial tools, writing in-depth guides on market indicators, cryptocurrency frameworks, and cross-border financial technology.
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Articles by Sherjeel Islam
PSX · 1 November 2026
How Commercial Bank Dividends Work on PSX: Book Closure, Ex-Dividend Dates, and CGT
A step-by-step guide to how bank dividends work on the Pakistan Stock Exchange: board approval, book closure, ex-dividend and record dates, payment, withholding tax, and how capital gains tax applies when you trade around a payout.
PSX · 1 November 2026
Investing in the PSX Banking Sector: How Interest Rates Drive Bank Profitability
How SBP policy rate changes flow into the profits and dividends of listed Pakistani banks, with sector figures for 2025 and the first nine months of 2026, bank-by-bank highlights, and what to watch before investing.
PSX · 1 November 2026
Top High-Dividend Paying Stocks on PSX (Commercial Banks, Fertilizer, Power)
A guide to high-dividend stocks on the Pakistan Stock Exchange across commercial banks, fertilizer and power, with a yield table as of 27 October 2026, recent dividend figures, tax on dividends and the traps behind a high yield.
Brokerage · 26 October 2026
How to Open a PSX Trading Account with KTrade, Next Capital, MRA, Standard Capital and MMAKK
One guide to opening a Pakistan Stock Exchange account with KTrade, Next Capital, MRA Securities, Standard Capital Securities or MMAKK: app-first and branch-based routes, documents, platforms and how to choose.
Brokerage · 26 October 2026
How to Open a PSX Trading Account with AKD, JS Global, Arif Habib, BMA and Foundation Securities
One guide to opening a Pakistan Stock Exchange account with AKD Securities, JS Global Capital, Arif Habib, BMA Capital or Foundation Securities: routes, documents, apps and how to choose.
Cryptocurrency · 20 October 2026
Crypto Tax in Pakistan: What the 15% Capital Gains Tax Claim Really Means
A clear look at crypto tax in Pakistan in 2026: the widely quoted 15% capital gains rate, what FBR rules and the Virtual Assets Act 2026 actually say, what is only proposed, and how to keep records and file.
Cryptocurrency · 20 October 2026
How to Buy Crypto Safely in Pakistan: P2P, Regulated Exchanges, and Security Best Practices
A practical guide to buying cryptocurrency in Pakistan in 2026: how P2P trading works, how to check an exchange's PVARA status, fee comparisons, and a security checklist to avoid scams and frozen bank accounts.
Cryptocurrency · 20 October 2026
Licensed VASPs vs. P2P: How to Safely On-Ramp PKR into Crypto
How PVARA licensing, State Bank Circular 10 of 2026, and client money accounts change the way Pakistanis can deposit PKR and buy crypto, and how licensed providers compare with P2P trading.
Cryptocurrency · 20 October 2026
Stablecoins for Overseas Pakistanis: Remittances, USD Hedging, and Yields
Can overseas Pakistanis use USDT or USDC to send money home, hedge against the rupee, or earn a yield? A balanced look at costs, risks, Shariah questions, and how stablecoins compare with Roshan Digital Account options.
Stock Market · 15 October 2026
PSX vs NYSE (2023 to 2026): A Detailed Performance Comparison
A year-by-year comparison of the Pakistan Stock Exchange's KSE-100 and US markets (NYSE Composite and S&P 500) from 2023 to October 2026, in both rupee and dollar terms, with what drove each market.
Commodities · 28 September 2026
Investing in Gold in Pakistan: Physical Gold, Gold Funds, and Gold Futures Explained
A technical guide to the different ways Pakistani investors can gain exposure to gold, covering physical bullion, digital gold, mutual funds, and gold futures trading on PMEX.
Stock Market · 28 September 2026
The History of the Karachi Stock Exchange and Its Evolution into PSX
A look back at the founding and growth of the Karachi Stock Exchange, its role in Pakistan's financial history, and how it merged with other exchanges to form the modern Pakistan Stock Exchange.
Stock Market · 28 September 2026
The KSE-100 Index Explained: How It Is Built, What Moves It and How to Read It
How the KSE-100 is constructed, weighted and reviewed, what drives its moves, how it differs from the KSE-30, KMI-30 and All Share index, and how to read a day's numbers beyond the headline.
Currency · 28 September 2026
PKR vs USD: What Drives the Exchange Rate and How It Affects Your Money
A technical overview of the forces behind the Pakistani rupee to US dollar exchange rate, its impact on savings, investments, and imports, and practical ways to manage currency risk.
Stock Market · 28 September 2026
Dividend Investing on PSX: Building Income from Pakistani Stocks
A technical guide to dividend investing on the Pakistan Stock Exchange, covering how dividend yield works, high-dividend sectors, payout sustainability, and portfolio construction.
Stock Market · 28 September 2026
How to Invest in PSX IPOs: A Guide for Pakistani Retail Investors
A step-by-step technical guide to understanding and applying for Initial Public Offerings on the Pakistan Stock Exchange, including allotment, risks, and post-listing considerations.
Banking · 28 September 2026
Roshan Digital Account Explained: Banking and Investing in Pakistan from Abroad
What the Roshan Digital Account is, who can open one, which banks offer it, what you can invest in, and the risks to check before sending money, based on State Bank of Pakistan information.
Global Markets · 27 September 2026
How Pakistani Investors Can Access the S&P 500: Options, Costs, and Considerations
A practical guide for Pakistani retail investors exploring exposure to the S&P 500, covering brokerage options, taxation, currency considerations, and risk management.
Stock Market · 27 September 2026
Pakistan Stock Exchange (PSX) for Beginners: How to Start, Step by Step
A practical beginner's guide to the Pakistan Stock Exchange: how trading works, the account-opening steps (broker, UIN, CDC sub-account), T+1 settlement, the main indices, taxes and the risks to understand before your first trade.
PSX · 2 September 2026
PSX Performance Over the Last 5 Years: A Year-by-Year Review
A year-by-year look at how the KSE-100 Index performed over the last five years, the key events behind each year's returns, and what the trend means for long-term investors.