Sarmaaya Financials Arvostelua 

Sarmaaya Financials is a great platform for financial education. I have completed the technical analysis and crypto fundamentals courses; both provided more value than my expectations, and last but not least, I had never seen this kind of community before. They never let you feel alone and exhausted even after the completion of the course.

My biggest investment of my life was having training with Sarmaaya. I highly recommend anyone who wants financial literacy and financial freedom. Their courses design for long and short term investment in any asset classes like stocks, Forex, commodity and crypto. Every penny worth it. It is lifetime investment.

Sarmaaya Crypto Fundamental Course Review

Sarmaaya’s Crypto Trading Course has genuinely been a world of its own 📊🔥. From my experience, this course alone can teach you at least 4–5 different ways to approach and trade the crypto market.

It teaches you how to actually trade the market — whether that’s swing trading, scalping, technical setups, data-driven trading, or using different tools to find opportunities. Once you start understanding how to combine the tools, data and strategies being taught, you realise how deep the rabbit hole really goes.

You can learn to navigate the markets on your own, but learning from someone who has already sailed through the storms, survived the rough seas 🌊, and knows where the hidden currents are 🧭 can shorten the journey in ways no textbook ever will.

But there’s another side to it: Sarmaaya can give you the map, the compass and show you the path — they cannot walk the road for you. You have to put in the hours, study the charts, practise, make mistakes, review them and keep improving. Without that effort and consistency, even the best course in the world cannot make someone a successful trader.

For anyone who genuinely wants to learn how to trade crypto, there is a huge amount of knowledge here to absorb. 💯

May Allah reward everyone involved for sharing their experience and knowledge and make it a source of khair for them.

I had taken their course last year in Jan 2025. The content of the Technical Analysis master class was useless. I have learnt before these concepts from YouTube videos and in that so called masterclass same content than what is the exclusitivity in that couse for which i have paid almost 2 Lakh and 30 thousand ruppes. That is hard earned money i was so upset for that. What they taught is so common,
1. Candel Stick Pattern
1 Candel stick pattern, 2 candel stick pattern, 3 candel stick patterns.
2. Fibnoaci retracement
3.Support resistance
4. Dow Theory (Incomplet i.e, we were not told about primary trend secondary trend and minor trend) How come Mr.Faraz even you own your Brokerage House (Fraz Equity) in Pakistan and you don't know the Dow Theory to its fullest. When i raised this in last lecture as feedback i was not given fair chance even Mr. Fraz and Mr. Laeeq not even responded and sarted saying how we can give that advance concept to new larners. than why you are taking so much money from new learners for teaching common youtube level content in the course.
5. Cambist indicator(mt4) file (Which assume is Moving Average based indicaor.
6. Watch Dollar Index
7. Hiken Atchi Candel
8. Harmonics Pattern
9. after the end of course we were told to join Premium trader membership in which we would get signal for trading. What the heck i just spend 2.4Lakh ruppes and still i need premium elite trading membership. disgusting
9. Riskmanagemnt 1% per trade its means take 10 trade and your challenge acocunt is blown waooo what risk management superb. I can give this bonus tip hear. If ones trading system having win rate between 30% to 40% that trader must not risk 0.26% of their account size. This is risk management like hedge funds trade. Thanks to Youtube where i found a guy who was teaching risk management on has to be taken in terms of systems winrate, profit factor and profit expactancy into account before making optimal trading bet. I am sure you Mr. Fraz know this and I can draw whole Risk profile for at what winrate what bet size can be deploy. Its not whats professoanl normally do, Its game of probability and no body knows which trade would be winning or losing. But we can manage our risk being long term full time trader that is what we can manage.
Dow theory not even complete half Dow theory. simple RSI divergence trading on 1H timeframe. and Risk Management is 1% of your total account that is ridiculous. And I don't say he is not good trader. He himself may be good trader but he is not teaching the same to learners who come to have course. No personal graduge. I thought he is fellow of our great country and why spend money to learn from abroad, why not try our local people. But unfortuantely i got severly disappointed by Sarmaaya.pk for their Tecnical Analysis Masterclass 2.0. I don't recommend to anyone. I when the course i finished they pushes us to fill a course review form and filtered the students who have given them good review to send those to the trustpiolt so that they have good ratings on trustpilot. Which is sheer dishonesty with the professinal ethichs. And those who have given them feedback about poor content of the trading masterclass they didn't send them to trustpiolt so that their rating may not get affected. Its very very poor course please don't take it its scam. i can tell you if you follow some Youtube Channel you would get more understanding of trading and investing . And way suprior than these scammer i was so trumatised with waste of money i spent. ZERO VALUE TO MONEY. NO RECOMMENDAITON.

I have been into crypto from last many years but without any fundamental or technical knowledge. This course has started to give me confidence in taking trades with proper riak management system. Salman and Sarmad have been very knowledgeable and helpful throughout the course which is still ongoing. I hope to be more confident in taking my trades and going into investments as the time goes on.

It's been 9 weeks into this 12-week course, and I have learned a lot. Alongside building a solid understanding of crypto fundamentals, I have already recovered almost half the course fee through trading, using only a very small amount of capital at risk. I plan to grow my portfolio gradually as my confidence and discipline develop. Also like to thank the team for the Salman and Sarmaaya Crypto Dashboard, which has made it much easier to shortlist cryptos to trade and get a clearer view of the overall market.

DONT TRUST
this is a scam and you will be a victim of identity theft and fraud professionals who are from derby safera najib and haroon tariq

Very basic prerecorded videos from 5 years with unprofessional arrogant instructor. It’s better to watch some videos on YouTube rather than paying so much for such basic information which won’t take you anywhere in this financial markets

I took two courses from Sarmaaya. First of all, I want to mention the one good thing about Sarmaaya "Ammar". He is leading their fundamental of capital markets and forex courses. The guy is a gem. He has extreme grip on data aquisition and management and all his strategies are data backed and based on sound logic.
Now comes the bad part, so bad that I ended up giving this review a 1 star. This is related to Syed Faraz who teaches the Technical Analysis course. The guy himself might be a very good trader but his strategies are totally not data backed and very basic. I mean i did not learn a thing from that course. It is totally not worth it. The strategies might even be backtested (I think otherwise though). But when I took this issue up in the general chat of their discord group in the most cordial manner. The simple point I tried to make was that students and traders should always be encouraged to backtest their strategies. Syed Faraz even responded to my comments, but as soon the discussion started o progress, I got banned from the Discord group. And as I have been in the Discord group for almost a year I never heard a word of dissent. Everyone worships Faraz as a Trading God. Only because dissent is not allowed in the group, not even if you try to make conversation in the most proffesional manner.

very forthcoming and prompt. Really appreciate. Keep it up

very lazy customer support service, replied to the pro zar subscriber after 3 working days.. need to improve customer support response.

Took Ammar yasin two courses forex fundamentals and investment mastery. He is a gem of person. So humble and give extreme listening ear to students. His behaviour is extremely humble. He gave live sessions for hours per week and whole batch got tired but he kept asking to bring more question. I have never ever seen such a mentor in my life. Honesty packed! Moreover Nabil kiani is also a mentor along with sir ammar and i salute him they tries their bestest to spoon feed us and to make our own fundamentals independently. Sir Ammar ka dil krta hai jo kuch b mje ata hai mein apne students ko sb sikha dun. Allah salamat rakhe unku HAMESHA AMEEN

This has been one of the worst services I have ever experienced.

In my experience, they pressure customers to leave a 5-star review after paying for their service. They clearly state that if you do not give them a 5-star rating, you will not be added to their premium group. Using access to the premium group as leverage to collect positive reviews is misleading and raises serious concerns about the authenticity of their Trustpilot rating.

Their community has over 7,000 members, yet only a very small percentage appear to be consistently profitable. My experience did not match the promises they made before joining.

I would strongly advise anyone considering their service to do thorough research before paying. Do not rely solely on the 5-star reviews, as many of them may have been influenced by the promise of access to the premium group.

Terribly went wrong, too expensive and no real Technical trading. You need to get mentorship to learn more after training.

The tutor gave secular bull Buy one side trade that went wrong twice and blow away accounts.

It doesnt worth to get any technical training from them.

Fake Reviews...
They force students to give them 5 stars on Trust Pilot if they want to join their community links. Be Aware..

Due to some personal commitments, I couldn’t take the course, and they refunded my full fee within 2 weeks. Really professional team.

I had 4 million+ invested and because I didn’t have enough time to manage my investments myself, SFEL support told me I could get a dedicated investment manager who would trade on my behalf.

I am a technical person myself and I also attended their course, which I genuinely found good. Because of that, I trusted them and gave them authority to manage my investments.

I understand very well that stock market investments always carry risk, but those risks should be managed properly with stop losses. My investment manager, Farhatullah, agreed on that as well.

In the beginning, when he started taking trades, he was closing profits of around 10k–15k on average, which was fine because I assumed the losses would also be controlled in the same range. But when a trade went negative, he held it until the loss became more than 1 lac rupees per trade. Eventually, I was around 12 lac down due to the market downtrend plus Farhatullah’s poor trading style.

I told him multiple times not to trade like this, but he kept saying the investments were in good stocks and I shouldn’t worry. The issue was not only the stocks. The issue was the risk management. If he was closing trades at 10k–15k profit during the bull run, then losses should also have been controlled properly instead of holding them until they reached 1–2 lacs per trade. That was unacceptable for me.

Eventually, I had to ask him to stop taking any trades on my account and I decided to manage it myself. I am still around 7 lac down, but I take it as a lesson.

Before investing, I had also asked them if they had any previous trade history or performance data, and they had none. I should have backed off at that point, but because their course was good, I assumed their trading would also be good.

Overall, my experience with their course was good, but my experience with their investment management was very disappointing. I would strongly suggest anyone considering this service to ask for verified past performance and proper risk management details before giving anyone authority to trade on your behalf.

The only financial education platform in our country that is truly changing lives

I had a great experience in learning new skill set of Investing in Stock Market. Sarmaaya has an excellent teaching faculty which made it easier to understand the processes involved in achieving progress and prosperity.

Pathetic Ultra Bulls. No regard for fundamentals. Kept advising people to buy highs in a euphoric top. One direction trading. At the end market recovers and they consider themselves geniuses. You get blocked on socials when you call them out. THANK YOU FOR YOUR ATTENTION!!!!