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Great news for those investing in Naya Pakistan Certificates (NPCs). The State Bank of Pakistan (SBP), in coordiation with the Ministry of Finance has increased the rate of return on all NPCs, whether denominated in Pakistani Rupee or foreign currencies.

As part of its Roshan Digital Account (RDA) initiative, SBP continues to endeavor to provide a seamless banking experience and offer a variety of products and services, that make RDA a great value proposition for non-resident Pakistanis (NRPs). Among its myriad unique selling propositions and attractive investment avenues, are Naya Pakistan Certificates. These instruments offer lucrative and competitive returns that are designed to match the expectations of NRPs.

Following recent increases in the monetary policy rate, SBP is taking steps to ensure that NPCs remain a lucrative investment propositon for NRPs. To this end, SBP in coordination with the Ministry of Finance raised the rates of PKR denominated NPCs in September 2022. Due to this increase, the central bank has managed to reinvigorate the confidence of our Pakistani diaspora in RDA.

Subsequently, SBP coordinated with the Ministry of Finance to also revisit the rates of return on NPCs denominated in foreign currencies, to bring them in line with investment returns offered on other foreign currency instruments issued by the Government of Pakistan.

After detailed consultations and deliberations with stakeholders, including NRPs, the Ministry of Finance notified an increase in the rates of foreign currency denominated NPCs in January 2023. The Ministry of Finance has also decreased the minimum investment amount in these instruments as the majority of NRPs are from the blue-collar segment of the society and it was difficult for them to save the requisite amount to avail the benefits of NPCs.

The revision of NPC rates and the minimum investment amount in all currencies shows SBP’s resolve to continue to promote the RDA scheme. SBP remains committed to facilitating the Pakistani diaspora and increasing avenues for investment in the country.


(The bars show revised rates, whereas the arrows depict the absolute increase in rates.)


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Number of Accounts Opened (Cumulative)
Fund Received (Cumulative in USD Million)
Naya Pakistan Certificates (Cumulative in USD Million)
In this latest podcast, SBP’s Director of Monetary Policy Department explains the rationale behind the decision to raise the policy rate by 100bps to 17 percent and shares the overall outlook for Pakistan’s economy.
Roshan Spotlight
Faysal Bank hosted a roadshow in the Kingdom of Saudi Arabia in collaboration with the Pakistan Embassy on January 15, 2023. Senior staff of the Embassy and Center Head from Faysal Bank, Mr. Nazakat, conducted the roadshow. The event was primarily aimed at briefing the overseas Pakistanis about the importance of the initiative and the economic contributions of the Pakistani diaspora in the progress and prosperity of their homeland. The NRP diaspora was guided generously to open RDA account and avail benefits from its associated products such as Roshan Apni Car, Roshan Apna Ghar, Roshan Pension Plan and Islamic Naya Pakistan Certificates.
Roshan Gallery
Bank AL Habib organized a get together with the overseas Pakistanis in Kuwait and shared the details of RDA and its product suite with the participants.