KARACHI: Pak-Qatar Family Takaful Limited (PQFTL) has announced the distribution of 28 percent surplus among its Individual Family Takaful Participants (Direct Sales Force-DSF) for the year 2016. With this declaration of Surplus, PQFTL is the only Takaful operator in Pakistan to declare distributable Surplus for Individual Family Takaful in all nine years of its operations. The single-rate method has been …