Roshan Digital Account

HABIBMETRO SIRAT presents Roshan Digital account, a State Bank of Pakistan initiative to provide Non-Resident Pakistanis (NRPs) a convenient and Shariah-compliant solution to remit and invest funds in Pakistan for a brighter future for this country.

Eligibility Criteria

• Non-Resident Individual Pakistani
• Resident Individual Pakistani who has duly declared assets held abroad, as per wealth statement declared in the latest tax return with Federal Board of Revenue (FBR)*

Resident individual Pakistanis interested in opening a Foreign Currency Value Account (FCVA) may visit our RDA designated branches to get their account opened. RDA designated branch for Islamic Banking is listed below:

• Alfalah Court in Karachi

Account Features

• No minimum balance
• Foreign inward remittance into account via authorized banking channels
• Current and savings account (in PKR, USD, GBP & EURO currencies)
• Hassle-free repatriation of funds
• Investment options (government securities such as Islamic Naya Pakistan Certificates, Habib Islamic Investment Certificates and Deposit Accounts)
• Debit Card and Cheque Book*
• Free Pay Order
• Free E-Statements
• Free Web Banking and Mobile App Access
• Free SMS Alerts for digital and ADC transactions
• 24/7 RDA Support

Islamic Naya Pakistan Certificates

Roshan Digital Account (RDA), an SBP (State Bank of Pakistan) initiative for overseas Pakistanis provides these individuals a platform to invest in Pakistan’s future by investing in Islamic Naya Pakistan Certificates (INPCs).

These certificates are sovereign government securities that generate high rate of returns for RDA customers that have various tenors ranging from 3-Months to 5-Years available in USD, GBP, EURO and PKR currencies.

The Certificates shall be subscribed the following individuals:

• Non-Resident Pakistani having National Identity Card.
• Foreigners having Pakistan Origin Card
• Members of Overseas Pakistanis Foundation
• An employee of the Federal Government or a Provincial Government posted abroad

Key Features

• Available in PKR, Euro, GBP and USD currencies. Pak Rupee RDA customers can invest in PKR denominated certificates and Foreign Currency RDA customers can invest in USD, Euro, GBP denominated certificates
• Tenors available are 3-month, 6-month, 12-month, 3 Year and 5 Year
• USD, Euro & GBP denominated NPCs minimum investment of 1,000 with integral multiples of 500 in their respective currencies
• PKR denominated INPCs Minimum investment of PKR 10,000 with integral multiples of PKR 1,000
• Early encashment option available
• No Zakat Deduction

Islamic Naya Pakistan Certificate