Naya Pakistan Certificates (for Roshan Digital Account Customers)
Naya Pakistan Certificates (NPCs) are high-yield sovereign investment instruments, issued by the State Bank of Pakistan (SBP), designed exclusively for Roshan Digital Account holders. Available in both foreign currency (FCVA) and Pakistani rupee (NRVA) accounts, NPCs offer investors a secure and rewarding way to grow their savings while supporting Pakistan’s economic development.
Attractive returns of up to 12.75% p.a. in PKR and up to 8.00% p.a. in GBP
Investment options in PKR, USD, GBP and EUR
Flexible tenors ranging from 3 months to 5 years
Easy repatriation of investment and returns
Shariah-compliant and conventional options
The ability to pledge NPCs as collateral for financing in Pakistan
Conventional NPC – 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% |
Invest in PKR, USD, GBP, and EUR.
Choose from 3 months, 6 months, 12 months, 3 years, or 5 years.
Attractive returns of up to 12.75% p.a. in PKR and up to 8.00% p.a. in GBP
Funds and returns can be fully repatriated abroad.
Only 10% withholding tax (final), no zakat deduction.
Option to withdraw before maturity.
Use NPCs as collateral to raise financing in Pakistan.
No Additional Documents is requried
How to Initiate Naya Pakistan Certificate (NPC)
To initiate a Naya Pakistan Certificate (NPC), you are required to first establish a Roshan Digital Account (RDA), applicable for both resident and non-resident Pakistanis, or an Individual Investment and Savings (IPS) Account via the online platform. After funding your account, you can electronically acquire NPCs by selecting your preferred currency, tenor (e.g., 3, 6, or 12 months), and type (conventional or Shariah-compliant) before confirming your transaction.
Note: It is mandatory to ensure that, before undertaking any Purchase, Premature Encashment, or Redemption transaction, the customer has accepted the Terms & Conditions related to the IPS account within the system.