Naya Pakistan Certificates

Investing from Abroad with Naya Pakistan Certificates

Naya Pakistan Certificates (NPCs) were introduced in 2020 as part of the Roshan Digital Account (RDA) initiative, specifically designed for overseas Pakistanis and foreign nationals to invest in Pakistan's government securities. Available in both conventional and Islamic variants, NPCs offer competitive returns in PKR and USD, with tenors ranging from 3 months to 5 years. They represent one of the most accessible entry points for the Pakistani diaspora to invest in their home country.

The certificates can be purchased entirely online through participating banks' RDA platforms, eliminating the need to visit Pakistan. Returns are repatriable — meaning you can transfer your profits back to your foreign bank account without restrictions. With USD-denominated NPCs offering 6-7.5% annual returns (significantly higher than US Treasury yields) and PKR-denominated certificates offering 12-14%, NPCs have attracted billions of dollars in investment from overseas Pakistanis since their launch.