{"id":1345,"date":"2021-03-31T00:19:29","date_gmt":"2021-03-31T00:19:29","guid":{"rendered":"http:\/\/responsivewebidea.com\/tdf\/hmb_wp\/?page_id=1345"},"modified":"2024-02-19T08:29:45","modified_gmt":"2024-02-19T08:29:45","slug":"about-roshan-digital-account","status":"publish","type":"page","link":"https:\/\/www.habibmetro.com\/sirat\/about-roshan-digital-account\/","title":{"rendered":"About Roshan Digital Account"},"content":{"rendered":"<p>[vc_row][vc_column width=&#8221;5\/6&#8243;][vc_column_text]<\/p>\n<h1>Roshan Digital Account<\/h1>\n<h5>HABIBMETRO proudly presents Roshan Digital account, a State Bank of Pakistan initiative to provide Non-Resident Pakistanis (NRPs) a convenient solution to remit and invest funds into Pakistan for a brighter future for this country.<\/h5>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1617153782367{background-color: #f3f9f5 !important;}&#8221;][vc_column width=&#8221;3\/4&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h4>Account Features<\/h4>\n<ul class=\"custul\">\n<li>No Minimum Balance<\/li>\n<li>Can Remit funds into this account through foreign inward remittance via authorized banking channels<\/li>\n<li>Current and Savings Account available in PKR, USD, GBP &amp; EURO currencies<\/li>\n<li>Available for Conventional and Islamic<\/li>\n<li>Hassle-free Repatriation of Funds<\/li>\n<li>Invest in Government Securities such as Naya Pakistan Certificates, HMB\u2019s Term Deposit Accounts &amp; Pakistan Stock Market<\/li>\n<li>Issuance of Debit Card and Cheque Book*<\/li>\n<li>Free Pay Order<\/li>\n<li>Free E-Statements<\/li>\n<li>Free Web Banking and HMB Mobile App Access<\/li>\n<li>Free SMS Alerts for Digital and ADC Transactions<\/li>\n<li>24\/7 RDA Support<\/li>\n<\/ul>\n<p><strong>Note: For debit card activation and pin generation along with cheque book activation<br \/>\ncontact our 24\/7 helpline.<\/strong><\/p>\n<ul>\n<li>Foreign Currency RDA Customers can register themselves on the HABIBMETRO Internet Banking Service.<\/li>\n<li>Pak Rupee RDA Customers can register themselves for both HABIBMETRO Internet Banking Service and\/or Mobile Banking App.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=&#8221;list_new_bar&#8221;]<\/p>\n<h4>Eligibility Criteria<\/h4>\n<ul>\n<li>Non-Resident Individual Pakistani<\/li>\n<li>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)*<\/li>\n<\/ul>\n<p><strong>Resident individual Pakistanis interested in opening an Foreign Currency Value Account (FCVA) may visit our RDA designated branches to get their account opened. RDA designated branches are listed as follows:<\/strong><\/p>\n<ul>\n<li>DHA Shahbaz Priority in Karachi<\/li>\n<li>DHA Z Block in Lahore<\/li>\n<li>F-7 Markaz in Islamabad<\/li>\n<li>Alfalah Court (for Islamic Banking Sirat only) in Karachi<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;list_new_bar&#8221; css=&#8221;.vc_custom_1617153356352{background-color: #f3f9f5 !important;}&#8221;][vc_column width=&#8221;3\/4&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h4>Naya Pakistan Certificates<\/h4>\n<p>Roshan Digital Account (RDA), an SBP initiative for overseas Pakistanis provides these individuals a platform to invest in Pakistan\u2019s future by investing in Naya Pakistan Certificates (NPCs).<\/p>\n<p>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.<\/p>\n<p>The Certificates shall be subscribed by eligible individuals (as defined in Rule 3 of NPC Rules, 2020) through Foreign Currency Value Account (FCVA) or NRP Rupee Value Account (NRVA), being marketed as Roshan Digital Accounts (RDAs) by HMB who include:<\/p>\n<ul>\n<li>Non-Resident Pakistani having National Identity Card.<\/li>\n<li>Foreigners having Pakistan Origin Card<\/li>\n<li>Members of Overseas Pakistanis Foundation<\/li>\n<li>An employee of the Federal Government or a Provincial Government posted abroad<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=&#8221;list_new_bar&#8221;]<\/p>\n<h4>Key Features<\/h4>\n<ul>\n<li>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<\/li>\n<li>Tenors available are 3-month, 6-month, 12-month, 3 Year and 5 Year<\/li>\n<li>USD, Euro \u00a0&amp; GBP denominated NPCs minimum investment of 5,000 with integral multiples of 1,000 in their respective currencies<\/li>\n<li>PKR denominated NPCs Minimum investment of PKR 100,000 with integral multiples of PKR 10,000<\/li>\n<li>Early encashment option available<\/li>\n<li>No Zakat Deduction<\/li>\n<\/ul>\n<p><strong>The following rates are available against NPCs before deduction of tax:<\/strong><\/p>\n<table class=\"table\">\n<thead>\n<tr>\n<th>Tenor<\/th>\n<th>USD Certificate<\/th>\n<th>PKR Certificate<\/th>\n<th>GBP Certificate<\/th>\n<th>Euro Certificate<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3-Month<\/td>\n<td>5.50%\u00a0p.a<\/td>\n<td>9.50%\u00a0p.a<\/td>\n<td>5.25%\u00a0p.a<\/td>\n<td>4.75%\u00a0p.a<\/td>\n<\/tr>\n<tr>\n<td>6-Month<\/td>\n<td>6.00%\u00a0p.a<\/td>\n<td>10.00%\u00a0p.a<\/td>\n<td>5.50%\u00a0p.a<\/td>\n<td>5.00%\u00a0p.a<\/td>\n<\/tr>\n<tr>\n<td>12-Month<\/td>\n<td>6.50%\u00a0p.a<\/td>\n<td>10.50%\u00a0p.a<\/td>\n<td>5.75%\u00a0p.a<\/td>\n<td>5.25%\u00a0p.a<\/td>\n<\/tr>\n<tr>\n<td>3-Year<\/td>\n<td>6.75%\u00a0p.a<\/td>\n<td>10.75%\u00a0p.a<\/td>\n<td>6.25%\u00a0p.a<\/td>\n<td>5.50%\u00a0p.a<\/td>\n<\/tr>\n<tr>\n<td>5-Year<\/td>\n<td>7.00%\u00a0p.a<\/td>\n<td>11.00%\u00a0p.a<\/td>\n<td>6.50%\u00a0p.a<\/td>\n<td>5.75%\u00a0p.a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Note: These rates are subject to W.H.T of 10% currently and subject to change as per the directives of SBP.<\/strong>[\/vc_column_text][vc_btn title=&#8221;Video Tutorial&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#186020&#8243; custom_text=&#8221;#ffffff&#8221; align=&#8221;left&#8221; i_align=&#8221;right&#8221; i_icon_fontawesome=&#8221;fas fa-angle-right&#8221; add_icon=&#8221;true&#8221; el_class=&#8221;col_to_action&#8221;][vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=&#8221;how_apply list_new_bar&#8221;]<\/p>\n<h3>In case you have any further queries, you can:<\/h3>\n<ul>\n<li>\u00a0Check our FAQs<\/li>\n<li>\u00a0Call our 24\/7 helpline at\u00a0(+9221) 111 142 242<\/li>\n<li>\u00a0Mail us at\u00a0<a href=\"mailto:rdasupport@habibmetro.com\">rdasupport@habibmetro.com<\/a><\/li>\n<li>\u00a0Chat with us by using our live WhatsApp service at (+923093141414).<\/li>\n<\/ul>\n<p>If you require further information or wish to provide any feedback or queries on Roshan Digital Account, you may also visit State Bank of Pakistan\u2019s website at\u00a0http:\/\/www.sbp.org.pk\/RDA\/index.html\u00a0or email at\u00a0RDAsupport@sbp.org.pk[\/vc_column_text][vc_btn title=&#8221;Apply Now&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#186020&#8243; custom_text=&#8221;#ffffff&#8221; i_align=&#8221;right&#8221; i_icon_fontawesome=&#8221;fas fa-angle-right&#8221; add_icon=&#8221;true&#8221; el_class=&#8221;col_to_action&#8221; link=&#8221;url:https%3A%2F%2Froshandigital.habibmetro.com%2F|target:_blank&#8221; css=&#8221;.vc_custom_1617154173716{margin-right: 20px !important;}&#8221;][vc_btn title=&#8221;RDA Terms &amp; Conditions&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#186020&#8243; custom_text=&#8221;#ffffff&#8221; i_align=&#8221;right&#8221; i_icon_fontawesome=&#8221;fas fa-angle-right&#8221; add_icon=&#8221;true&#8221; el_class=&#8221;col_to_action&#8221; link=&#8221;url:https%3A%2F%2Fwww.habibmetro.com%2Fwp-content%2Fuploads%2F2020%2F12%2FRDA-TCs-Final.pdf|target:_blank&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;5\/6&#8243;][vc_column_text] Roshan Digital Account HABIBMETRO proudly presents Roshan Digital account, a State Bank of Pakistan initiative to provide Non-Resident Pakistanis (NRPs) a convenient solution to remit and invest funds into Pakistan for a brighter future for this country. 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