Tanzania's reform era,
rendered as an index.

11Yearsof reform on the DSE
11Companiesone rules-based trade
+782%Returnvs DSEI +258%, May 2015 to May 2026

Reform11 is Tanzania's first thematic equity index fund, tracking the eleven highest-performing securities listed on the Dar es Salaam Stock Exchange over a rolling eleven-year window, including domestic equities and East African cross-listings. Rules-based. DSE-listed. CMSA-regulated.

0.75% Mgmt Fee11 ConstituentsTZS Base CurrencySemi-Annual Rebalance
CRDB+682%10.0%NMB+541%10.0%EQTY+486%9.8%KCB+412%9.5%VODA+318%9.2%EABL+294%9.0%DSE+267%8.8%JHL+238%8.5%TBL+214%8.2%NICOL+186%8.0%TCCL+172%9.0%CRDB+682%10.0%NMB+541%10.0%EQTY+486%9.8%KCB+412%9.5%VODA+318%9.2%EABL+294%9.0%DSE+267%8.8%JHL+238%8.5%TBL+214%8.2%NICOL+186%8.0%TCCL+172%9.0%
§ I · The Reform Era

Eleven years of structural reform on the Dar es Salaam Stock Exchange, distilled into a single, rules-based portfolio.

Tanzania's reform era began in 2015 with the demutualization of the Dar es Salaam Stock Exchange, the moment a custodial market became an institutional one. In the eleven years since, the DSE has roughly tripled in market capitalisation, deepened cross-listings with Nairobi and Kampala, absorbed the largest IPO in its history, and put a brokerage in the hands of every Tanzanian with a phone.

A market that was once a counter became a system; what was a system is now investable as a single instrument.

The era is also one of policy framing. Tanzania's economic reform agenda, articulated through frameworks including the 4Rs (Reconciliation, Resilience, Reforms, Rebuilding) and successive Five-Year Development Plans, has consistently identified capital market deepening, pension capital deployment, and retail financial inclusion as priorities. Reform11 is the market-mechanic expression of that direction of travel: not a policy instrument, but a product that exists because the policy environment made it possible.

Reform11 codifies that arc. The index selects the eleven listed securities (Tanzanian primary listings and East African cross-listings) that delivered the highest total return over a rolling eleven-year lookback window. Reconstituted semi-annually, reviewed quarterly, and capped at 10% per name. No active discretion. No hidden tilts.

2015

DSE demutualization. R11 lookback window opens. East African cross-listings deepen.

2017

Vodacom Tanzania IPO. Largest DSE listing in history transforms market depth.

2019

Pension fund consolidation drives long-term institutional capital into DSE equities.

2021

DSE Hisa Kiganjani mobile platform launches. Retail accounts more than double in eighteen months.

2025

Vertex VIS-ETF lists on the DSE on 16 October as Tanzania’s first Exchange Traded Fund, opening the door for thematic listings.

2026 · Today

Reform11 (R11) launches. Tanzania’s first thematic equity index ETF with semi-annual rebalancing and quarterly governance review.

§ II · The Eleven

The current constituent set, ranked by trailing eleven-year total return through 27 March 2026.

Reconstitution · Mar 2026

Each name is capped at a 10% portfolio weight. Cross-listed securities denoted × with home-exchange marker.

Index calc · DSE PlcCurrency · TZSUniverse · 11 of 28 listed
#CompanySectorWeight11Y Total ReturnMarket Cap
01CRDB Bank PlcCRDBBankingTZ
10.0%
+682%3.8 TZS T
02NMB Bank PlcNMBBankingTZ
10.0%
+541%4.2 TZS T
03Equity Group Holdings×KEEQTYBankingKE
9.8%
+486%5.1 TZS T
04KCB Group Plc×KEKCBBankingKE
9.5%
+412%4.6 TZS T
05Vodacom TanzaniaVODATelecomsTZ
9.2%
+318%2.1 TZS T
06East African Breweries×KEEABLConsumerKE
9.0%
+294%3.4 TZS T
07DSE PlcDSEMarketsTZ
8.8%
+267%0.9 TZS T
08Jubilee Holdings×KEJHLInsuranceKE
8.5%
+238%0.8 TZS T
09Tanzania BreweriesTBLConsumerTZ
8.2%
+214%1.6 TZS T
10NICO Group LtdNICOLConglomerateTZ
8.0%
+186%0.7 TZS T
11Tanga Cement Co.TCCLIndustrialsTZ
9.0%
+172%0.5 TZS T
Σ Total Weight  100.0%Aggregate Mkt Cap · TZS 27.7 TAs of 27 Mar 2026
× Cross-listed on DSEKE · Nairobi Securities ExchangeUG · Uganda Securities ExchangeRW · Rwanda Stock Exchange
§ III · Performance

R11 versus the DSEI All-Share, backtested over the eleven-year reform window, May 2015 to May 2026.

R11 IndexDSEI All-ShareDSEI Drawdown
Base 1,000.00 · 01 May 2015  ·  Source DSE Plc / AvCap
100214329443557671786900'15'17'19'21'23'25COVID TROUGH · MAY 2020−9% YoY · recovered in 8moPEAK · MAY 2026882.00 · +782%DSEI · +258%R11 · +782%
R11 Total Return
+782%
May 2015 – May 2026
DSEI Total Return
+258%
Same eleven-year window
Outperformance
+524pp
R11 vs benchmark
Annualised Alpha
+10.6%
Over eleven-year window
§ IV · Fund Structure

Factsheet, counterparties, and the single paragraph that explains why R11 exists.

Factsheet · v1.2 · May 2026
Fund TypeExchange Traded Fund (Open-Ended)
Listing ExchangeDar es Salaam Stock Exchange
DSE TickerR11
Fund Manager / PromoterAvril Capital (AvCap)
Custodian / TrusteeNBC Bank (proposed)
Index ProviderDSE Plc (proposed)
RegulatorCMSA Tanzania
Authorised ParticipantTanzania Securities Ltd (TSL)
RebalancingSemi-Annual (Mar / Sep) + Quarterly review
Base CurrencyTanzanian Shilling (TZS)
Management Fee0.75% per annum
Performance FeeNone
Target AUM (Y1)TZS 10–25 Billion
Min. Investment1 Unit (prevailing market price)
Fund Architecture

Six counterparties.
One instrument.

  • Avril Capital · Fund ManagerPromoter
  • NBC Bank · Custodian / TrusteeProposed
  • DSE Plc · Index Calculation AgentProposed
  • Tanzania Securities Ltd · Authorised ParticipantTSL
  • CMSA Tanzania · RegulatorStatutory
  • CSDR · Clearing & SettlementStatutory
Investment Thesis

Reform11 gives every Tanzanian investor, from a first-time retail investor on Hisa Kiganjani to a global diaspora asset allocator, transparent, low-cost, single-trade access to the best companies Tanzania has produced in the reform era.

§ V · How to Invest

Three steps. Any DSE-licensed broker. Mobile-money compatible.

I

Open a CDS account

Open a Central Depository System account with any DSE-licensed broker. The fastest route is the DSE's mobile platform.

Hisa Kiganjani
II

Fund your account

Top up via M-Pesa, Mixx by Yas, Airtel Money, or direct bank transfer from any Tanzanian commercial bank.

Mobile money & bank transfer
III

Buy R11 on DSE

Place a buy order against ticker R11 at the prevailing market price. Settlement T+3 via CSDR.

Ticker · DSE : R11
§ VI · Fund Documents

The concept note, index methodology, and financial model in full. For institutional review.

Each document opens in a new tab. To save a local copy, use your browser's Print dialog (/Ctrl + P) and select Save as PDF as the destination.

§ VII · Register Interest

Receive the prospectus when it clears CMSA.

Notify our investor relations desk to receive the prospectus the moment it clears CMSA, plus subscription windows and early-allocation details for institutional counterparties.

Your email is sent directly to Avril Capital IR. No third parties. No newsletter list.