The government of Pakistan has increased the rate of return on Naya Pakistan Certificates (NPCs).
Now Overseas Pakistanis holding Roshan Digital Accounts can avail even higher returns on their investments in NPCs.
Return on Naya Pakistan Certificates
PKR
Tenor
Existing Rate
Revised Rate
Increase
3 months
15.00%
21.00%
6.00%
6 months
15.25%
21.25%
6.00%
12 months
15.50%
21.50%
6.00%
3 years
14.00%
17.50%
3.50%
5 years
13.50%
15.00%
1.50%
USD
Tenor
Existing Rate
Revised Rate
Increase
3 months
7.00%
8.25%
1.25%
6 months
7.20%
8.50%
1.30%
12 months
7.50%
9.00%
1.50%
3 years
8.00%
8.00%
0.00%
5 years
8.00%
8.00%
0.00%
GBP
Tenor
Existing Rate
Revised Rate
Increase
3 months
5.50%
7.25%
1.75%
6 months
6.00%
7.50%
1.50%
12 months
7.00%
8.00%
1.00%
3 years
7.50%
7.50%
0.00%
5 years
7.50%
7.50%
0.00%
Euro
Tenor
Existing Rate
Revised Rate
Increase
3 months
4.00%
6.25%
2.25%
6 months
4.50%
6.50%
2.00%
12 months
5.00%
7.00%
2.00%
3 years
6.50%
6.50%
0.00%
5 years
6.50%
6.50%
0.00%
Roshan Digital Account for Resident Pakistanis
Eligible Resident Pakistanis
Resident Pakistanis who have declared assets abroad with the Federal Board of Revenue (FBR) can open a Foreign Currency Roshan Digital Account. Through this account, among other facilities, they will be able to invest in Naya Pakistan Certificates, denominated in US Dollar (USD), British Pound (GBP) and Euro, the newly-launched debt securities of the government of Pakistan offering attractive returns over different maturities.
Opening an Account
Physically visit participating banks: The account can be opened by visiting a branch of any of the following partner banks in Pakistan: Bank Alfalah, Faysal Bank, Habib Bank, MCB, Meezan, Samba, Standard Chartered, Dubai Islamic Bank, Habib Metropolitan Bank, Bank Al Habib and UBL.
Follow usual process: The standard account opening process for resident Pakistanis will apply.
Provide tax return or signed affidavit: In addition to standard documents required for KYC/CDD, either (i) the latest wealth statement filed with FBR showing declaration/disclosure of assets held abroad or (ii) a signed affidavit stating the value of assets held abroad as declared in the latest wealth statement filed with FBR will be required.
Joint account facility: The account can be opened jointly with another resident Pakistani.
