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.
| 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 | 5.50% | 5.50% | 5.75% | 6.00% | 6.25% |
| PKR | 10,000 with integral multiples of 1,000 | 10.75% | 11.00% | 11.00% | 11.25% | 11.50% |
| GBP | 1,000 with integral multiples of 500 | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% |
| EUR | 1,000 with integral multiples of 500 | 3.50% | 3.75% | 4.00% | 4.50% | 4.75% |
Invest in PKR, USD, GBP, and EUR.
Choose from 3 months, 6 months, 12 months, 3 years, or 5 years.
Up to 11.00% p.a in PKR & 6.00% p.a in foreign currencies.
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
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.