Key Features

• Offered in multiple currencies; PKR, USD, GBP, and EUR.
• Short and long-term investment tenors of 3-Months, 6-Months, 12-Months, 3-Years and 5-Years
• Fully and easily repatriable
• No Zakat deduction
• Premature encashment option
• Option to raise Financing against Naya Pakistan Certificates pledged as a security.
• High returns of up to 21.50% p.a in PKR & up to 9% p.a in FCY on your investments in multiple currency denominated certificates

Profit Rates*

These new rates will only be applicable on NPC bookings made from 1st September 2023 and onwards.
*Subject to W.H.T of 10% currently and subject to change as per the directives of SBP.

Minimum Investment

• USD/GBP/EUR Denominated Certificates – Min USD/GBP/EUR 1,000 with multiples of 500 thereon
• PKR Denominated Certificates – Min PKR 10,000 with multiples of PKR 1,000 thereon

For any further queries, be sure to check out our FAQs, email us at contactus@bankalfalah.com or contact us at our 24/7 dedicated helpline; +92 21 111 225 226.

For further information on Roshan Digital Account from State Bank of Pakistan, please visit http://www.sbp.org.pk/RDA/index.html or email at RDAsupport@sbp.org.pk

Disclaimer

• Naya Pakistan Certificates (NPCs) are sovereign investments issued by the State Bank of Pakistan (SBP) on behalf of Government of Pakistan (GoP) while Bank Alfalah Limited is only acting as a distributor and sub-custodian of these certificates in Pakistan.
• The short-term certificates of 3-Month, 6-Month and 12-Month tenors shall be zero-coupon securities on which principal and profit shall be paid either on maturity or on premature encashment. Whereas, the long-term certificates of 3-Year and 5-year tenors shall be coupon bearing securities with periodic profit payment on half-yearly intervals or as determined by SBP.
• In case of Premature Encashment, rate of return payable shall be equivalent to rate of return of the nearest completed tenor. In case of encashment within 3-months of investment, no return shall be paid thereof.