Are you new to investing and want to earn passive income through real estate — but without buying property? Then Dolmen City REIT (DCR) is one of the smartest and most beginner-friendly investment options in Pakistan.
What is Dolmen City REIT (DCR)?
Dolmen City REIT (DCR) is Pakistan’s first listed Real Estate Investment Trust, backed by premium commercial properties like Dolmen Mall Clifton in Karachi. Managed by Arif Habib Dolmen REIT Management Ltd., it gives investors an opportunity to own a share of rental income-generating real estate — without the hassle of buying or managing property.
✅ It is Shariah-compliant, regulated by the Securities & Exchange Commission of Pakistan (SECP), and pays quarterly dividends to its shareholders.
Why Invest in DCR?
💰 Earn Rental Income (paid as dividends)
🕌 Shariah-Compliant
🏙️ Exposure to high-value commercial real estate
📈 Listed on PSX – easy to buy/sell anytime
Step-by-Step Guide to Start Investing in DCR
1. Open a CDC Investor Account
To invest in any stock or REIT in Pakistan, you first need a CDC (Central Depository Company) account.
How to open:
- Visit: https://eservices.cdcaccess.com.pk
Choose Investor Account Services (IAS) - Submit:
CNIC
Passport-sized photo
Proof of income
Signature (scanned) - Pay a small annual fee (approx. Rs. 500–1000)
✅ You can do all this online from anywhere in Pakistan.
2. Select a Brokerage Firm
To actually buy DCR shares, you need a brokerage account connected to PSX.
Top Brokers (Islamabad offices):
These brokers offer mobile apps and dashboards to buy/sell shares.
3. Fund Your Brokerage Account
After account setup, transfer funds from your bank to your broker account.
💸 Minimum Investment:
DCR’s share price ranges around Rs. 27.
You can buy even 1 share, but for meaningful returns, start with 100+ shares
4. Buy DCR Shares
- Log into your broker’s platform
- Search for DCR (Dolmen City REIT)
- Place a Buy Order (market or limit)
- Confirm when the order is executed
The shares will be stored in your CDC account.
5. Track Dividends and Growth
DCR pays quarterly rental income as dividends. You can track this via:
- PSX.com.pk
- Your broker’s app
- CDC access portal
Is Dolmen City REIT Halal?
Yes. DCR is Shariah-certified, regularly audited, and follows all SECP REIT Regulations 2015. A great choice for halal-conscious investors.
Final Advice for New Investors
- Start small, grow with time.
- Reinvest dividends to build wealth.
- Never panic with short-term price changes.
- Educate yourself on stock basics.
📊 If You Invest Rs. 100,000 in Dolmen City REIT (DCR)
🧮 Step-by-Step Calculation:
✅ 1. How Many Shares You Can Buy
- Current DCR price = Rs. 27.01
- With Rs. 100,000, you can buy approximately:
Rs. 100,000÷27.01≈3,703 units\text{Rs. 100,000} \div 27.01 \approx \textbf{3,703 units}Rs. 100,000÷27.01≈3,703 units
✅ 2. Expected Annual Dividend Return
Dolmen City REIT pays quarterly dividends from rental income.
Over the last few years, DCR’s average annual dividend yield has been around:
📈 8% to 10% annually (conservatively estimated)
Let’s use both 8% and 10% to estimate your return:
▶ At 8% Annual Yield:
Rs. 100,000×0.08=Rs. 8,000 per year\text{Rs. 100,000} \times 0.08 = \textbf{Rs. 8,000 per year}Rs. 100,000×0.08=Rs. 8,000 per year
▶ At 10% Annual Yield:
Rs. 100,000×0.10=Rs. 10,000 per year\text{Rs. 100,000} \times 0.10 = \textbf{Rs. 10,000 per year}Rs. 100,000×0.10=Rs. 10,000 per year
So, you could earn Rs. 8,000 to Rs. 10,000 per year as passive income, paid quarterly (every 3 months).
✅ 3. Quarterly Dividend Breakdown
If DCR pays Rs. 10,000/year, then:
Quarterly Payout=10,000÷4=Rs.2,500(approx.)\textbf{Quarterly Payout} = 10,000 \div 4 = Rs. 2,500 (approx.)Quarterly Payout=10,000÷4=Rs.2,500(approx.)
You’ll receive this income directly in your linked bank account or broker account.
📌 Important Notes:
- This estimate is based on dividends only, not price appreciation.
- If DCR’s unit price increases (e.g., from Rs. 27 to Rs. 32), you also gain from capital appreciation.
- Dividends are subject to tax withholding (usually 15% for filers in Pakistan).
✅ Final Thought:
💼 An investment of Rs. 100,000 in DCR can realistically earn you Rs. 8,000–10,000/year in passive rental income, with potential for long-term growth.
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