Roshan Mustaqbil

Roshan Mustaqbil is a flexible, tailor-made, complete financial planning package exclusively designed to cater the future education needs of a child. The plan is underwritten by EFU Life Assurance Ltd.

The plan offers a method of disciplined savings that helps accumulate a lump sum amount that can be utilized to pay for the higher education needs of the nominated child. In addition, it guarantees a financially secure tomorrow even in case of any mishap.

For more information regarding Roshan Mustaqbil, visit your nearest Silkbank Branch or call 111-100-333 where our Phone Bankers are ready to assist you round the clock.

Guaranteed Savings and Protection
Roshan Mustaqbil provides a guaranteed minimum amount payable at maturity of the plan and also provides a guaranteed level of life insurance protection.

Continuation Benefit
In the unfortunate event of death of the parent (life assured) during the savings term, Roshan Mustaqbil, ensures the targeted fund at maturity is achieved. EFU Life will continue to make the contributions towards the plan so that the future education planning is not discontinued. The built-in “Continuation Benefit” guarantees to turn your dream into reality by providing the funds to your child even if the parent is not there.


You may also attach the following optional benefits with Silkbank Roshan Mustaqbil Bancassurance.

  • Income Benefit: In case of an unfortunate death of the parent (life assured) during the plan term the Income Benefit ensures a quarterly income payment to the child till end of the plan term in order to ensure that the child’s basic education requirements are met
  • Waiver of Premium: In case of any partial or permanent disability that forces a parent to discontinue his occupation, the premium is waived. In such cases EFU Life pays the premium while the policy benefits remain intact

Applicable Ages and Terms

  • The plan is available to individuals aged between 18 to 60 years
  • The minimum savings term is 10 years
  • The minimum annual premium under the plan is Rs. 15,000

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