Oraan Committee is the digital version of regular committees or beesees. 

The difference is that with us, you have more options. 

You can choose your preferred

• Monthly installment amount. This is the amount you will save every month
• Payout month. This is the month in which you will get your total savings
• Duration.. You can save for either 5 months or 10 months
• Start month. This is the month in which your OC will start. 

Once you have made your choices, Oraan will create an OC plan for you that suits your needs.

FAQs:

• What is an Oraan Committee (OC)?
  • Oraan Committee is a digital savings platform where members pool their savings together to achieve financial goals. It’s a modern adaptation of traditional committees or beesees.

• How does an OC work?
  • Members contribute a fixed amount monthly into a collective pool. Each month, one member receives the total payout based on your accepted slot.

• What are the benefits of joining an OC?
  • Members can save systematically towards a specific goal without the need for loans or interest payments. It promotes financial discipline and allows for flexible saving options.

• Can I choose my contribution amount?
  • Yes, you can choose your monthly installment amount based on your financial capacity and savings goals.

• How do I receive my payout?
  • The payout month is determined based on your verified profile information. You can get your amount in your bank account or mobile wallet!

• What are the duration options for an OC?
  • You can opt to save for either 5 months or 10 months, depending on your savings goal and timeline.

• Can I start an OC at any time?
  • You can select the start month that suits you best to begin your savings journey with an OC.

• Is Oraan a loan app?
  • No, Oraan is not a loan app. It’s a savings platform where members contribute and receive savings collectively, without involving interest or debt.

• How is Oraan different from traditional committees?
  • Oraan offers more flexibility in terms of choosing installment amounts, payout months, duration, and start months compared to traditional committees.
• Is membership in Oraan Committees open to everyone?
  • Yes, anyone can join Oraan Committees, but participants are verified to ensure transparency and security within the platform.
• Is Oraan Halal?
  • Yes, Oraan operates on principles that are compliant with Islamic finance. It does not involve interest (riba) or speculative investments, making it a Shariah-compliant savings platform.
• Is Oraan Safe?
  • Yes, Oraan prioritizes the safety and security of members’ funds and personal information. We use robust encryption and verification processes to ensure a secure platform for all members.
• Is membership in Oraan Committees open to everyone?
  • Yes, anyone can join Oraan Committees, but participants must be verified to ensure transparency and security within the platform.

Join Oraan Committee today and start achieving your financial goals with flexibility and security! With options to choose your monthly savings amount, payout month, and duration, Oraan offers a modern and shariah compliant way to save without loans or interest. Join a community committed to financial discipline and collective savings. Your financial future begins here with Oraan!

Oraan Community is a safe space of Savers who have come together to achieve their financial goals together.

It is a space where you can learn about managing your finances, have open conversations about money and build a community with each other and with us.

You can become part of Oraan by applying for an Oraan Committee. 

1. Once you have applied, we will reach out to you to make your booking and ask for basic documents.
2. We will verify your documents and check your eligibility.
3. Based on your eligibility, we will offer you an OC plan that suits your needs. 
4. You will be able to review and accept your OC plan on the Oraan app and start saving!

The Oraan App will help you manage your Oraan Committee by giving you access to your savings and transaction history.  We’ll be here to guide you through the entire process.

More than 100,000 Pakistanis trust Oraan.

We are an SECP (Securities and Exchange Commission of Pakistan) registered company and Shariah certified by Safwa Shariah Advisory (Pvt.) Ltd. 

We have a trustworthy network of savers. This is because we verify each Oraan Saver to make sure you and everyone else stays safe. And committee records are available on our app. 
You can easily access our policies and terms and conditions. And, for more information about Oraan, you can visit our website and our social media channels.
And you don’t have to just trust our word! You can see the user testimonials below:

You can also see the reviews left by customers on our website!

Yes!

The app will help you keep track of your Oraan Committees and your transactions. It makes it easier for you to pay your monthly installments, too, and build your financial identity.

The app makes your Oraan journey easier. 

You can apply for an Oraan Committee and you can keep track of all your current and completed committees, as well. 

It is easier to get verified on the app and pay your monthly instalments. 
And you can get updates on your journey.

At Oraan, your security comes first. 
We make sure that all your information remains secure and that your unique identifiers are encrypted.

Your Oraan team is here to guide you! For any support you need:

📞 Call us on: 02137130287

📱 WhatsApp us on: +92300-1267226 OR +92301-8212272
✉️ Email Us on: Support@oraan.com

You can start saving in 3 simple steps

1. Apply for an Oraan Committee. 

Choose how much you want to save every month and how long you want to save for, and select the Payout month of your choice.

2. Get verified.

You will need to submit your CNIC and provide basic documents, for example, household income proof and address proof. 

3. Start saving. 

Send your monthly instalments and get your Payout on time!

Your Oraan Committee application will be approved in 3-4 working days, once we have verified your profile.

After you fill out your application, you will be asked to submit your CNIC (front and back, original), a selfie (only checked by female staff if you have pardah requirements), how you make money aka occupation, saving purpose and app permissions.

After that your application will be submitted. Your application will then be reviewed by our bookings team and they will call you to ask you for more information if needed. After passing this stage your application will be considered booked.

Then the verification team will go through your documents, passing this stage will move you to the approved status. Once your application is approved you will need to accept the application to signal you are ok with your OC plan.

Once you accepted you can start your committee with Oraan!

Don’t worry our agents will guide you through the process.

Yes, depending on your eligibility and your Pay Score. 

If you pay your instalments on time and have a high Pay Score, you will be able to take part in multiple committees at the same time. 

Usually, Oraan Savers take part in two committees at a time.

Don’t worry, you will still be able to continue saving and get your Oraan Payout on time.  

We also verify each Saver to make sure this does not happen. This is what makes Oraan Committees better than the traditional committee.

Yes! Oraan is for everyone. They can download the Oraan App and sign up for a committee.

You can see all your Oraan Committee details on your Oraan app in the ‘OCs’ tab.

We recommend our Savers to opt for instalments that are 10% of their monthly household income.

We always try our best to give you your prefered monthly instalment amount and take your requirements into consideration.

We have an eligibility criteria that also makes sure that you are able to comfortably save every month. We take into consideration your household income and when you want your Payout. 

Oraan Committees are short and quick! Currently, we offer two options: 5-month long OCs and 10-month long OCs.

You can choose your duration when you apply for an Oraan Committee. 

A monthly instalment is the money you save each month with your Oraan Committee.

You can choose the amount you want to save every month when you are applying for an Oraan Committee on the Oraan app.

Once your OC starts, your instalment will be due by the 15th of every month.

Do you have a sum of Money you want but not sure how much it is monthly? Use the calculator below:

All monthly instalments for Oraan Committees are due by the 10th of each month.

Your Pay Score shows you how strong your saving skills are. 

The score goes up when you pay your monthly Oraan Committee instalments on time. It goes down when your payments are late. 

Tip: By keeping your Pay Score up, you can qualify for early Payout months as well.

We charge service fees depending on the duration of your OC and your Payout month. It is charged as a percentage of your monthly instalment amount. When you apply for your Oraan Committee, you will be informed on the Oraan app about the fee you have to pay. It will be added to your monthly instalment amount.  

Example: Rabia wants to save Rs 10,000 for 10 months. She wants her committee in the 3rd slot which means 1.7% fee. So Rabia’s monthly instalment amount will be 1,1700 including fee that she will pay every month.

💡Pro tip: We offer discounts on the monthly fee to our loyal members who have high Pay Scores and have saved in an Oraan Committee for 10 months or more. To become eligible for discount, make sure you keep your Pay Score high and keep saving with Oraan. Learn more about discounts.

Here is a breakdown of the new fee structure:

10 month Oraan Committee

5 month Oraan Committee

Your Payout month is the one in which ‘app ki committee khulti hai‘. At Oraan, you can select your Payout month when you are applying for your Oraan Committee. In your Payout month, you will receive the total amount that you have been saving with us in the OC.

Payouts are sent out between the 11-18th of your Payout month.

Absolutely! You can choose your preferred payout month when you sign up for your OC.

We try our best to give you the Payout month you want based on eligibility requirements and limited availability.

Here’s a pro tip: If you keep sending your monthly instalments on time, you can improve your Pay Score and become eligible for early payout months in the future. 

Oraan Payout slots depend on availability and eligibility. Your eligibility is based on your verification process.

You can choose your preferred month and if you meet the eligibility criteria, we will ensure you get your payout on time

You can contact us on our official number +923001267226 to discuss the changes you want. 

We can’t promise anything, but we can try our best to help you change your payout month.

Our Oraan team will contact you before your payout month to get your bank account details. Your payout will then be transferred to your bank account during your payout month.

You can also choose to have you Payout sent to your Easypaisa or JazzCash account if your Payout amount is below PKR 25,000. If your Payout is more than PKR 25,000, please make sure your account limit is above that amount or provide a bank account, instead.

Note: You do not have to send your instalment in your Payout month. It will be deducted from your Payout amount. If you send your instalment, it will be stored as an advance payment for your next due instalment. Refunds will only be issued if you are in the last month of your OC.

Sorry, right now we are only able to give payouts with a 3-month gap in the middle.

Oraan sends Payouts between the 11th to 18th.

If you are a new member and you have chosen to receive your Payout in the first month of your Oraan Committee, you will receive your Payout between the 15th and 18th of the month.

For all other members, Payouts are sent between the 11th and 15th of the month.

If you are a Gold Star member with a high Pay Score, you may even get an your Payout early!

You do not have to send your monthly instalment in your Payout month as it will be deducted from your Payout amount.

For example: if your monthly instalment is PKR 5,000 and your Payout amount is PKR 50,000; you will receive PKR 45,000

If you send your instalment it will be stored as an advance payment for your next due instalment. It will only be refunded if you are in the last month of your OC.

We only ask for essential documents to make the process easy for you.

When you apply for the first time, we’ll request your CNIC front and back. Once submitted, you won’t need to provide it again!

After reviewing your application, we might ask for some additional information, such as proof of address and proof of income. Here’s a list of documents we accept, and your Oraan agent will guide you on which ones are needed based on your profile:

• Utility bill
• Salary slip
• Driver’s license
• Mess bills
• Business receipts
• Bank statement

For example, if you are a housewife, we might ask for proof of your financial resources to ensure you can comfortably pay your committee. This could be your mobile wallet statements, bank statements, or your husband’s bank statement if you choose the first slot.

Rest assured, all the information you share with us is kept safe and confidential, and is only used to help you become a successful saver!

We’re here to support you every step of the way!

We ask for documents to keep you and the Oraan Community safe. We use them to verify the identity of all the members in the community, and to help you build your financial profile.

To protect our members and to assess your credit risk, Oraan requires one-time access to your your installed Apps, and Registered Accounts. We never view or store your personal data and we respect your privacy. Anonymised and pseudonymised data is shared with CredoLab Pte Ltd. to assess your credit risk.

Oraan sends this metadata to CredoLab, a secure credit analysis service provider. Oraan DOES NOT see or store this data. CredoLab analyzes the data and provides Oraan with a risk score. We use this score as part of our decision making process to review your Oraan Committee application.

By enabling access to Registered Accounts which might include Social Accounts and Installed Applications, CredoLab will collect data to better evaluate your application. This information is only accessed once, collected in the form of metadata, and used to calculate a more accurate risk score.

How is this data used?

We use the data as part of our decision process to assess your creditworthiness for a committee with us and build your Oraan Score.

We may also use your data to assess your interest in receiving financial services through algorithms and mathematical modelling.

What data is collected?

We collect data from your phone to provide a segmented risk profile and generate aggregated statistical information.

To protect your identity, we remove all personal identifiers (if any) and pseudonymised such information. Any metadata processed in this way cannot be used to reproduce the original data collected.

This data is ONLY used for the purpose outlined above and is protected from unauthorized usage and disclosure.

Is the data collected shared with any third party?

The data collected is shared with selected providers of data analytics services. The service providers are described below:
CredoLab Pte Ltd.

Our mobile technology may count the number of registered accounts, including your social accounts. However, we will only NOT access the social media profiles and we will NOT analyse the information in the applications connected with them.

Credolab

CredoLab’s privacy policy is available here.

To read more about Oraan’s privary policy, click here.

A risk score checks the eligibility of our members. You will be asked to complete your risk score depending on your Payout month.

We ask for references so that we can build a trustworthy network of savers. References are a mandatory requirement in our verification process. 

Your references can be a colleague, a relative and even a friend.

Yes. But don’t worry, we will reach out to your references and only ask them simple questions that will help us verify your identity. This  will help us build a trustworthy network of Savers.

We ask for your proof of address as part of our verification process. It helps us assess your eligibility and create a safe and secure community for our Savers.

You can provide proof of address in different formats.

If the following are in your name, you can share one of them:

• Courier parcel label
• Drivers license
• Bank statement

The following documents can be provided for proof of address even if they are not in your name:

• Mess Bills 
• Rent/mortgage/lease agreement
• Utility bill

If you would like to delete an account, please reach out to us on our official number +923001267226.

Please note that if you are in an ongoing Oraan Committee, deleting your account will not remove you from the OC. 

Please share the screenshot of the issue that you are facing with us on our official number +923001267226  and our team will fix it for you.

To reset your passcode, please click on the button “🔘 Forgot Passcode” and you will receive a reset OTP🔗(one time password) via SMS if you are based in Pakistan and WhatsApp is you are based outside of Pakistan. 

Once you enter the OTP you can change your passcode.

Our team can help you out. Please reach out to us on our support number : +923001267226.

If you’d like to update the phone number associated with your account, you can send a request to our support number +923001267226 or at support@oraan.com Your Oraan team will get it done for you.

The best way to contact Oraan is through WhatsApp or by phone call on our support number +923001267226. 

You can also email us at support@oraan.com.

To update your information, please contact Oraan through WhatsApp or by phone call on our support number +923001267226. 

You can also email us at support@oraan.com.

To change your avatar:

• Log into the Oraan App
• Click on “Profile” 
• Tap on your avatar to find options 
• Select the one that best suits you

Oraan Passcode is the password you set for your account. It should be hard to guess but easy for you to remember. You should not share your passcode with anyone else.

We use Face ID to make login easier for you. You can choose to turn off this option in the settings of your Oraan app.

There are two ways in which you can pay your monthly instalment: Oraan Bill and bank transfer.

To use Oraan Bill:

1. Click on ‘PAY’ button on the Oraan App homepage. 
2. Click ‘Pay by Oraan Bill’.
3. Enter the amount you want to pay. Click ‘Create Oraan Bill’.
4. Copy your unique Oraan Bill number.
5. Select your bank.
6. To complete your payment using your selected bank, follow the steps on Whatsapp 
7. Complete your payment on your banking app and get an instant confirmation from Oraan.

You can also directly transfer the amount to our bank account. Just make sure to log it on the Oraan App. 

Our account details are: 

Dubai Islamic Bank ORAAN TECH PRIVATE LIMITED 

Account Number: 0621659001 

IBAN: PK87DUIB0000000621659001 

Branch code: 009

Follow these simple steps to log your receipt

1. Take a screenshot of your payment receipt
2. Click on ‘PAY’ on the bottom of the Oraan App homepage. 
3. Click on ‘Already paid? Log a payment’
4. Upload your payment receipt
5. You’ll get a confirmation message from Oraan in 2-3 working days

When you miss the instalment due date, your Pay Score drops.

Please pay your instalment as soon as possible and upload your receipt on the app. You might also be charged a late fee.

Currently, cash payments are only possible for Karachi Savers.

You can contact our team for more information and guidance on where to send the money or how to pay digitally.

Our official number is +92300-1267226.

That’s okay! Our products work even if you do not have a bank account. You can pay via Jazzcash or Easypaisa or deposit cash to our bank account. Please ensure you take a screenshot of your receipt and upload it to the Oraan App.

For further help, you can contact us on +92300-1267226.

Yes, you can pay your instalment amount for future months together. Please make sure your payment receipt is uploaded on the Oraan app. 

Yes, you can pay for all your Oraan committees together.

We recommend that you let us deduct your instalment from your payout and send you the remaining amount.

If you would like to send your instalment in your payout month, you have to send it by the 10th of the month. If we have not received your installment, your payout will be processed with deduction of instalment.

You can directly transfer the amount to Oraans bank account given below, use Jazzcash, Easypaisa or make a cash deposit.

Dubai Islamic Bank 

ORAAN TECH PRIVATE LIMITED 

Account Number: 0621659001 

IBAN: PK87DUIB0000000621659001 

Branch code: 009

Let your Oraan team know. Contact us and let us know when you can pay by and we will guide you further. Our support number is  +92300-1267226.

Oraan Bill is an easy way to pay your Oraan instalment. The best part is when you pay using Oraan Bill, you get instant confirmation and you do not have to log your receipt on the Oraan app.

Follow these steps to use Oraan Bill:

1. Click on the ‘PAY’ button on the button of your Oraan app homepage. 
2. Click ‘Pay by Oraan Bill’.
3. Enter the amount you want to pay. Click ‘Create Oraan Bill’.
4. Copy your unique Oraan Bill number.
5. Select your bank.
6. You will receive further steps on how to complete your payment with your selected bank on WhatsApp.
7. Complete your payment on your banking app and get an instant confirmation from Oraan.

We’re here to help! Contact us so that we can help you build a payment plan. You can reach out to us on our support number +92300-1267226 or email us at support@oraan.com.

There are a few cases where you will be able to get a refund on your Oraan Committee. 

• You have not taken an Oraan Payout and wish to discontinue your Oraan Committee.
• You have paid more than the amount you owe. 
• There is a discrepancy with your payout amount.

To get a refund, get in touch with the Oraan team and we’ll guide you further. Our number is +923001267226. 

You can get a refund and discontinue your Oraan Committee. Once you submit your refund request, the refund is processed in 5 working days.

A refund can take up to 3-5 working days. We try our best to return your amount as soon as possible after your request for a refund is accepted.

The 40 weeks Saving Challenge runs for 10 months, starting in March 2023 and ending in December 2023.

The challenge is to save PKR 5,000 every month while playing weekly games with your fellow group members. At the end of the challenge you will have saved PKR 50,000. 

Yes, you can. On your Oraan app home screen, click on the “Apply for another OC” button. You can select your OC monthly instalment, your starting month, your Payout month and your OC duration. Submit your application and our team will guide you through the rest of your journey.

Yes, penalties are applicable when your instalment is late after the due date which the 10th of every month. They can be financial or the Oraan team can move/cancel your Payout. If you are unable to pay your instalment by the due date, please inform the Oraan team and penalties can be avoided.

The first season of the savings challenge took place in 2022 in which 500+ women saved over PKR 250,00000+.

You can see their reviews, and feedback on our Facebook Community.

https://www.facebook.com/groups/oraancommittees

Yes, you can join the challenge more than once. If you have two entries for the challenge, your total monthly installment will be PKR 10,000 and your Payout in December will be PKR 100,000. However, you will only be part of one WhatsApp group and your chances of winning the grand prizes will be the same as everyone else taking part in the challenge. 

You will be refunded with the payments you have made to Oraan.

Once you have completed the sign up form, you will be informed on WhatsApp about your confirmation in less than five days.

You will also be able to see the approved committee on your Oraan app and find the details of the Savings Challenge OC in the OCs tab in the app. 

By Feb 26th, 2023 you will be added into your teams, and then the fun begins.

You can get your payout via Easypaisa, JazzCash, and Bank Transfer. Oraan will reach out to you to get these details in November 2023.

For this challenge, you can only apply via the form, you can find it here:  http://bit.ly/3jupsQM