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Roshan Digital Account (RDA) Investment Options

3 min read
Roshan Digital Account (RDA)

The Roshan Digital Account (RDA) has changed the way Overseas Pakistanis connect with their homeland. Launched by the State Bank of Pakistan (SBP), it allows non-residents to open a bank account in Pakistan from anywhere in the world—without visiting an embassy or a bank branch. As of early 2026, the program has grown significantly, now even opening doors for foreign nationals and institutional investors to participate in Pakistan’s economy.

What is a Roshan Digital Account?

  • An RDA is a fully digital bank account for Non-Resident Pakistanis (NRPs) and Foreign Nationals with a Pakistan Origin Card (POC). It bridges the gap between your international earnings and investment opportunities back home.

Why should you open one?

  • 100% Repatriable: You can send your money (and the profits you earn) back to your country of residence at any time without needing special permission.
  • Fully Digital: Open your account in under 48 hours using just a smartphone or laptop.
  • Multi-Currency: Choose to keep your money in PKR or foreign currencies like USD, GBP, and EUR.
  • Tax Benefits: Enjoy a simplified tax regime (typically a 10% final withholding tax on most investments) with no need to file extra tax returns in Pakistan for these gains.

Investment Options: Make Your Money Work

The real power of RDA lies in its built-in investment suite. Here is how you can grow your wealth:

1. Naya Pakistan Certificates (NPCs)

These are sovereign (government-backed) investment certificates. They are considered one of the most secure and high-yield options available.

  • Tenors: Choose from 3 months, 6 months, 1 year, 3 years, or 5 years.
  • Returns (approx. 2026 rates):
  • USD: Up to 6.25% annually.
  • PKR: Up to 11.50% annually.
  • Islamic Option: Shariah-compliant "Islamic Naya Pakistan Certificates" (INPCs) are also available.

2. Roshan Equity Investment (Stock Market)

  • RDA holders can invest directly in the Pakistan Stock Exchange (PSX).

How it works: Within your bank’s app, you can link your account to a brokerage house.

Benefit: You can buy shares in top Pakistani companies (like Engro, Lucky Cement, or Hubco) and receive dividends directly into your RDA.

Learn more: Check the Official PSX Guide for RDA.

3. Roshan Apna Ghar (Real Estate)

Dreaming of a house in Pakistan? This scheme provides simplified home financing.

  • Financing: You can get a loan to buy, build, or renovate a property.
  • Lien-based Option: If you already have money in NPCs or your RDA, you can use that as collateral to get a lower-interest home loan.

4. Roshan Apni Car

Through this, you can finance a car for your family in Pakistan at specialized, lower markup rates compared to local residents. Most major banks offer priority delivery for RDA customers.

How to Open Your Account in 3 Steps

  1. Select a Bank: Choose from major participating banks like HBL, Meezan Bank, Bank Alfalah, or UBL.
  2. Upload Documents: You’ll typically need your NICOP/Passport, proof of profession, and a live photo (selfie).
  3. Submit: Once submitted, the bank usually activates your account within 48 hours.

Pro Tip: Keep your original NICOP and proof of overseas residency (like a visa or work permit) scanned and ready before you start the digital application.

Final Thoughts

  • The Roshan Digital Account isn't just a bank account; it's a gateway. Whether you want to save for retirement, support your family, or grow your wealth through the stock market, RDA makes it seamless and secure.