The trustworthy way to buy a DHA file in Pakistan.
MFX replaces WhatsApp brokers with a curated digital storefront. Every file is verified by our team. Every transaction leaves a paper trail. Designed for overseas Pakistanis — works perfectly for locals too.
8
Lahore · Islamabad · Karachi · Gujranwala · Quetta · Multan · Bahawalpur · Peshawar
5 days
Short enough to keep prices honest
72 hours
Token to ownership, with digital PoA
The problem
The DHA file market is run on WhatsApp.
Brokers, scans of scans, payments to personal accounts, no records, and zero recourse if something goes wrong.
Without MFX
Today's DHA file experience
- You hear about a file from your cousin's broker on WhatsApp.
- You wire money to a personal account hoping it's the right file.
- You can't verify the file is real without flying back to Pakistan.
- If the deal goes bad, there's no platform, no record, no recourse.
With MFX
MFX, the way it should work
- Browse a public, verified inventory with live prices and grades.
- Wire to MFX (Pvt) Ltd corporate account with a unique reference.
- Real-time transfer timeline + auto-generated PDF agreements.
- Permanent Certificate of Verification with a public QR.
How it works
Four moments. All tracked. All documented.
From browse to certificate, every step is timestamped, evidenced, and visible to both sides.
Browse curated inventory
Live prices, market benchmarks, history charts, and our investment grade for every file.
Reserve with 1% token
Auto-generated reservation agreement instantly. File locked for 5 days while you wire the balance.
Sign digitally — or fly back
Overseas Pakistanis sign a digital PoA so we attend DHA on their behalf. Locals can attend in person.
Receive a verifiable certificate
A signed PDF you keep forever. Embedded QR proves authenticity to any buyer, bank, or auditor.
Trust signals
What buyers see — and trust.
Trust comes from records, not promises. Six things on every file.
Fair-price benchmark
See the going market range alongside our asking price. Audit it yourself.
Reservation agreement, in 30 seconds
A real legal document, generated the moment you reserve.
Investment grade with explainer
A through D rating with hover-explained reasoning. Learn the market while you shop.
Live transfer timeline
Watch each stage update in real time. Delays don't get hidden — they get tracked.
Certificate of Verification
A signed PDF you keep forever. Embedded QR proves authenticity at any time.
MFX corporate bank account
Money goes to MFX (Pvt) Ltd, never an individual. Real company, real accountability.
Built for everyone in the market
Wherever you are in the DHA file market, there's a path here.
Overseas Pakistanis
Pay from your Roshan Digital Account. Sign digital PoA. We handle DHA. 72-hour SLA.
Dealers & file owners
Submit your file. We verify, then buy outright or list on consignment. You get paid cleanly.
Partners & brokers
Bulk-buy at tier discounts or earn affiliate commissions on referrals. White-glove portal.
First-time buyers
Read our buyer's guide, understand allocation vs affidavit, then shop with confidence.
Why now
The diaspora is ready. The market isn't. We're closing the gap.
$12.4B
Roshan Digital Account total deposits as of March 2026
900k+
Open RDAs and growing every month
~$20B
Government estimate of overseas Pakistani assets
Common questions
What's a DHA file?
A DHA file is the legal allocation paper for a future plot in a Defence Housing Authority development. People buy and resell these files for years before the plot is even built. They're one of the most popular real-estate investment vehicles in Pakistan.
Why should I trust MFX over my regular broker?
We verify every listed file at the relevant DHA office, generate a signed reservation agreement instantly, and issue a Certificate of Verification with a public QR code on transfer. None of that exists in the WhatsApp-broker market today.
I'm overseas — do I need to fly back?
No. Pay from your Roshan Digital Account, sign a digital Power of Attorney on the platform, and our representative attends DHA on your behalf. Token to ownership in 72 hours.
How is your investment grade calculated?
Our v1 grade is rule-based and combines price-vs-benchmark, phase momentum, liquidity, and days on market. The factors are visible on every file detail page so you can audit the score.
Where do my funds go?
All payments go to the MFX (Pvt) Ltd corporate bank account, never to a person. Every wire requires a unique reference code that ops match against the bank statement within 24 hours.
Verify any MFX certificate in seconds
Already received a Certificate of Verification? Scan the QR or paste the hash — anyone can verify.
Read before you buy
What is a DHA file?
Plain-English explainer of allocation vs affidavit, sizes, and what you actually own when you buy one.
Read more
How DHA file transfer works
Step-by-step from token to ownership, including the documents and DHA office process.
Read more
How to avoid DHA file fraud
The most common scams in the DHA file market — and how to spot them before you wire money.
Read more