Tr?id=1587465162660809&ev=pageview&noscript=1
Hi, I am here to assist you!
Islamic Banca Pic Uhgv7te Avkeepn

Islamic Naya Pakistan Certificate

Overview

Islamic Naya Pakistan Certificates for Roshan Digital Account Customers

Bank Alfalah proudly supports Pakistan’s growth by offering Roshan Digital Account (RDA) customers a convenient and rewarding investment opportunity through Islamic Naya Pakistan Certificates (NPCs).

These sovereign investment certificates, issued by the State Bank of Pakistan (SBP), are available for:

  • Foreign Currency Value Account (FCVA) holders – USD, GBP, and EUR

  • Pakistani Rupee Value Account (NRVA) holders – PKR

Why invest?

  • Earn attractive, high-return yields on your investment

  • Support Pakistan’s development while growing your wealth

  • Flexible tenors ranging from 3 months to 5 years

Minimum Investment

  • USD/GBP/EUR Certificates: Min 1,000 (in multiples of 500)

  • PKR Certificates: Min 10,000 (in multiples of 1,000)

Invest easily online and contribute to a progressive Pakistan while enjoying lucrative returns.

 

INPC – Rates

Currency

Minimum Investment

Rate of Return (Gross Annual Return Before Tax)

3-Month

6-Month

12-Month

3-Year

5-Year

USD

1,000 with integral multiples of 500

6.75%

7.00%

7.25%

7.50%

7.75%

PKR

10,000 with integral multiples of 1,000

11.75%

12.00%

12.25%

12.50%

12.75%

GBP

1,000 with integral multiples of 500

6.75%

7.25%

7.50%

7.75%

8.00%

EUR

1,000 with integral multiples of 500

4.75%

5.25%

5.50%

6.00%

6.25%

 

Features & Benefits

  • Available in multiple currencies: PKR, USD, GBP, and EUR

  • Flexible investment tenors: 3-Months, 6-Months, 12-Months, 3-Years, and 5-Years

  • Fully and easily repatriable

  • Exempt from Zakat

  • Premature encashment option available

  • Can be pledged as security to raise financing

  • Attractive returns of up to 12.75% p.a. in PKR and up to 8.00% p.a. in GBP

 

Important Information

  • Certificates can be encashed prematurely if needed.

  • Certificates are automatically reinvested or rolled over at maturity.

  • Certificates can be pledged as security for financing in Pakistan, subject to SBP regulations.

  • Certificates are non-transferable except as required by law.

  • Returns are subject to 10% withholding tax at source.

  • Exempt from compulsory Zakat deduction.

  • For INPCs, 10% withholding tax on profits is full and final – no tax return filing required.

 

How to Open

How to Invest in Islamic Naya Pakistan Certificates (NPCs)

Open an Account

For both resident and non-resident Pakistanis, open a Roshan Digital Account (RDA) or an Individual Investment and Savings (IPS) Account online.

Fund Your Account

Add funds to your RDA or IPS account to enable investment in NPCs.

Select Your Investment

Choose your currency, tenor (e.g., 3, 6, or 12 months), and type (conventional or Shariah-compliant).

Confirm Transaction

Review and confirm your NPC purchase online.

Note: Before any purchase, premature encashment, or redemption, you must accept the Terms & Conditions of the IPS account in the system.