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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, 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.

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 expected returns: up to 13.50% p.a. in PKR and up to 7.50% p.a. in FCY

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.

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.