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Overview

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 13.50% p.a. in PKR and up to 7.50% p.a. in foreign currencies
  • 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

Features & Offerings

Multi-Currency Availability

Invest in PKR, USD, GBP, and EUR.

Flexible Tenors

Choose from 3 months, 6 months, 12 months, 3 years, or 5 years.

High Returns

Up to 13.50% in PKR & 7.50% in foreign currencies.

Repatriable & Secure

Funds and returns can be fully repatriated abroad.

Tax & Zakat Benefits

Only 10% withholding tax (final), no zakat deduction.

Premature Encashment

Option to withdraw before maturity.

Financing Facility

Use NPCs as collateral to raise financing in Pakistan.

Eligibility & Documents

No Additional Documents is requried

How To Apply

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.