Oraan's Mission

Make saving simple and achievable for anyone, anywhere.



In 2018, we set out to understand the relationship Pakistanis have with money - where they spend and how they save. As we listened to the stories of thousands from across the country, we learnt three important lessons: 


  1. For millions of Pakistanis, money is complicated.

  2. 41% of the population saves through committees. 

  3. Women, although largely excluded from the formal economy, are the budget ministers of their households.


We realised that by digitising committees we can make money and savings less complicated for everyone and empower women by offering them a safe, reliable and flexible digital solution. We realised that we can change the relationship that millions of Pakistanis have with money. 


Since then we’ve grown into a team of 25 members committed to the financial enablement of the underserved. Everyday we strive to create impact in the lives of Pakistanis - to create a path for their inclusion in the formal financial economy and to help them build their financial futures.

We have matched thousands of women and men to committees that suit their preferences and helped them achieve their goals - of travelling, completing their education, buying a car, funding a wedding. 

We are Pakistan’s first women-led, women-first fintech startup.

  • Halima Iqbal

    Founder & CEO

    Curious | Be irreplaceable | Negotiate fairly

  • Farwah Tapal

    Founder & COO

    Curious | Creative | People-driven



  • Digital Committees

    We organise, verify and match users to committees of their choice

  • Financial Literacy

    We run interactive financial literacy workshops in Karachi for all ages and demographics.

  • Access to Saving Services

    We provide financial coaching for longer-term saving plans to our users.

Oraan Tech Pvt. Ltd. 


Oraan Tech Pvt Ltd. 
Office #208 & 209, 2nd floor, 
Shaheeen Centre, Plot # DC-5, 
Block-7, KDA Scheme 5, Clifton,

Karachi GPO 75600
(At Schon Circle, above WallMaster)


General: support@oraan.com

Careers: sara@oraan.com


General: 0213 58 (ORAAN) 67226

Payments: +92 305 162 3293 

Support: +92 300 12 (ORAAN) 67226

Follow Us

Shariah Certified

Oraan Committee management services provided by Oraan are Shariah certified by Safwa Shariah Advisory (Pvt.) Ltd. Click here to read more.

SECP registered

Oraan is registered in Pakistan as Oraan Tech Pvt. Ltd. with the Securities and Exchange Commission of Pakistan (No. 0122392) and is a wholly owned subsidiary of Oraan Pte Ltd, registered in Singapore.

Oraan is Karandaaz / Bill and Melinda Gates Foundation grantee for Women Financial Inclusion in Pakistan.