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INTRODUCTION


Roshan Digital Account is a major initiative of State Bank of Pakistan which provides banking solutions for millions of Non Resident Pakistanis. BOP offers Roshan Digital Account for Non-Resident and Resident Pakistanis (with declared assets held abroad) to invest in Pakistan with ease. Customer can open either Foreign Currency USD/ GBP/EUR or Pak Rupee denominated account, under Conventional Banking and Islamic Banking, with exciting investment opportunities i.e Naya Pakistan Certificates/ Islamic Naya Pakistan Certificate issued by government and Term deposit products/Riba Free Certificates of the Bank.

Roshan Digital Account    Roshan Digital Account         Roshan Digital Account        SBP-Remittance Survey 2023

Roshan Digital Account Overview

  • Roshan Digital Account is a major initiative of State Bank of Pakistan which provides banking solutions for millions of Non Resident Pakistanis.
  • BOP offers Roshan Digital Account for Non-Resident and Resident Pakistanis (with declared assets held abroad) to invest in Pakistan with ease. Customer can open either Foreign Currency USD/ GBP/EUR or Pak Rupee denominated account, under Conventional Banking and Islamic Banking, with exciting investment opportunities i.e Naya Pakistan Certificates/ Islamic Naya Pakistan Certificate issued by government and Term deposit products/Riba Free Certificates of the Bank.
  • Roshan Digital Account will provide prospective customers an exclusive opportunity to remotely open an account in Pakistan through an entirely digital and online process without visiting any BOP branch in Pakistan. Further, RDA product will provide innovative banking solutions to individuals seeking to undertake banking, payment and investment activities in Pakistan.
  • To open an account, Non- Resident customers are requested to access a user-friendly and easy-to-use digital portal by visiting website. www.bop.com.pk
  • For Resident Pakistani, account can only be opened by visiting BOP branches that are authorized to open Foreign Currency accounts.
    (List of branches: Conventional / Islamic )
  • Resident Pakistani can open account in multiple currencies i.e USD, GBP, EUR. Normal account opening procedure will be followed.
  • Non-resident Pakistani can open Joint account with Resident/Non-Resident Pakistanis in NRVA and FCVA.
  • Resident Pakistani can open FCVA account singly as well as jointly with Resident Pakistani only.
Eligibility Criteria:
  • Individual Non Resident Pakistani
  • Employees or officials of the Federal or Provincial Governments posted abroad in the tax year
  • Foreign Nationals having Pakistan Origin Card (POC)
  • Resident Individual Pakistanis who have duly declared assets held abroad as per wealth statement declared in latest tax return with FBR is eligible for opening of Foreign Currency Value account in individual capacity.

Roshan Digital Account Video

Account Opening Process

  • Click on “Apply now “ to fill online Digital Form.
  • After completion of Form press Submit button. The form will be submitted to BOP Roshan Digital Unit.
  • BOP Roshan Digital Unit will review the Form and respond within 48 hours about status of account opening request.
  • In case of any discrepancy in documents, an email will be generated to customer for rectification.
  • Customer should provide response to bank query within 30 days to keep the application process active
  • To manage your accounts, please register yourself by creating login through Register now option
  • For Balance inquiry or Transaction requests, Customer will log-in by providing registered credentials (ID and Password).
  • In case any assistance is required in completion of account opening form please contact BOP Helpline +92 (21) 111-267-200 or +92 (42) 111-267-200 or email at rda@bop.com.pk.

Documentation

Customers are requested to upload scanned documents with account opening request to avoid any delay in processing

  • Original scanned CNIC/NICOP/POC (Both front and back sides)
  • Original scanned Passport (first 2 pages) (Pakistani and/or foreign country)
  • Signature on a White Paper carrying customer name and Identity Number
  • Live Photo
  • Proof of Profession and source of income/funds
  • Proof of NRP status (POC, Iqama, Visa, Entry/Exit stamps, Work Permit etc)
  • W8 Form (If applicable)
  • W9 Form (If applicable)
  • CRS declaration

Product Features

  • Available in Pak Rupees and multiple foreign currencies i.e USD,GBP,EUR.
  • Savings and Current Accounts under Conventional and Islamic Banking
  • No minimum Balance requirement
  • Access to Free E-Statements
  • Multiple Investment Opportunities in Naya Pakistan Certificate Deposits/Islamic Naya Pakistan Certificate and Term Deposit/Riba Free Certificates
  • Funds Transfer Facility
  • Utility Bills Payment within Pakistan
  • First Debit Card free for account holder with no Annual Fee.
  • Fully Repatriable Accounts
  • No Zakat Deduction
  • 24/7 Mobile Banking Facility (for PKR accounts only)

Frequently Asked Questions (FAQs)



  • FAQs For Roshan Digital Accounts Click Here
  • FAQs For Naya Pakistan Certificates & Islamic Naya Pakistan Certificates Click Here

Naya Pakistan Certificates / Islamic Naya Pakistan Certificates


Overview


Naya Pakistan Certificate/ Islamic Naya Pakistan Certificates (NPC/INPC) are issued by State Bank of Pakistan/INPCCL on behalf of Government of Pakistan for investment in Foreign Currency by Foreign Currency Value Account Holder (FCVA) and Pak Rupees by Rupee value account Holder(NRVA) to earn high rate of return. Along with lucrative return for investors these certificates also provide opportunity to contribute toward development of Pakistan.

Amount of Investment:

Minimum amount of Investment in each currency is as under:

USD Denominated Certificates Minimum Investment of USD 1,000, with integral multiples of 500
GBP Denominated Certificates Minimum Investment of GBP 1,000, with integral multiples of 500
EUR Denominated Certificates Minimum Investment of EUR 1,000, with integral multiples of 500
PKR Denominated Certificates Minimum Investment of PKR 10,000, with integral multiples of 1,000


Profit Rates on Investment in Naya Pakistan Certificates:
Customer have the option to subscribe to either PKR denominated or US Dollar or GBP or EUR denominated certificates of 3-Month, 6-Month, 12-Month, 3-Year and 5-Year tenors.

Rate of Return (Gross annual return before tax)
Currency 03 Months 06 Months 12 Months 03 Years 05 Years
USD 8.25 % 8.50 % 9.00 % 8.00 % 8.00 %
PKR 21.00 % 21.25 % 21.50 % 17.50 % 15.00 %
GBP 7.25 % 7.50 % 8.00 % 7.50 % 7.50 %
Euro 6.25 % 6.50 % 7.00 % 6.50 % 6.50 %


Profit Rates on Investment in Islamic Naya Pakistan Certificates:
Customer have the option to subscribe to either PKR denominated or US Dollar or GBP or EUR denominated certificates of 3-Month, 6-Month, 12-Month, 3-Year and 5-Year tenors.

Annualized Expected Rate of Return*
03 Months 06 Months 12 Months 03 Years 05 Years
USD 7.00 % 7.20 % 7.50 % 8.00% 8.00 %
USD-1 7.00 % 7.20 % 7.50 % 8.00% 8.00 %
GBP 5.50 % 6.00 % 7.00 % 7.50% 7.50 %
GBP-1 5.50 % 6.00 % 7.00 % 7.50% 7.50 %
EUR 4.00 % 4.50 % 5.00 % 6.50 % 6.50 %
EUR-1 4.00 % 4.50 % 5.00 % 6.50 % 6.50 %
PKR 15.00 % 15.25 % 15.50 % 14.00 % 13.50 %
PKR-1 15.00 % 15.25 % 15.50 % 14.00 % 13.50 %
*Subject to W.H.T of 10% existing and subject to change as per the directives of SBP.

For actual rates of previous months, click here
Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O SEP 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 0.00% 21.25% 0.00% 0.00% 8.50% 0.00% 0.00% 7.50% 0.00% 0.00% 6.50%
12 Months 0.00% 15.50% 21.50% 0.00% 7.50% 9.00% 0.00% 7.00% 8.00% 0.00% 0.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O OCT 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O AUG 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 0.00% 21.25% 0.00% 0.00% 8.50% 0.00% 0.00% 7.50% 0.00% 0.00% 6.50%
12 Months 0.00% 15.50% 21.50% 0.00% 7.50% 9.00% 0.00% 7.00% 8.00% 0.00% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O SEP 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O JUl 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 0.00% 21.25% 0.00% 0.00% 8.50% 0.00% 0.00% 7.50% 0.00% 0.00% 6.50%
12 Months 0.00% 15.50% 21.50% 0.00% 7.50% 9.00% 0.00% 7.00% 8.00% 0.00% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O AUG 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O JUN 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 0.00% 21.25% 0.00% 0.00% 8.50% 0.00% 0.00% 7.50% 0.00% 0.00% 6.50%
12 Months 0.00% 15.50% 21.50% 0.00% 7.50% 9.00% 0.00% 7.00% 8.00% 0.00% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O July 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O June 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O MAY 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 0.00% 21.25% 0.00% 0.00% 8.50% 0.00% 0.00% 7.50% 0.00% 0.00% 6.50%
12 Months 0.00% 15.50% 21.50% 0.00% 7.50% 9.00% 0.00% 7.00% 8.00% 0.00% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O April 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 9.50% 15.00% 21.00% 5.50% 7.00% 8.25% 5.25% 5.50% 7.25% 4.75% 4.00% 6.25%
06 Months 10.00% 15.25% 21.25% 6.00% 7.20% 8.50% 5.50% 6.00% 7.50% 5.00% 4.50% 6.50%
12 Months 10.50% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O MAR 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 15.25% 21.25% 0.00% 7.20% 8.50% 0.00% 6.00% 7.50% 0.00% 4.50% 6.50%
12 Months 0.00% 15.50% 21.50% 0.00% 7.50% 9.00% 0.00% 7.00% 8.00% 0.00% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O FEB 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 0.00% 21.00% 0.00% 0.00% 8.25% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25%
06 Months 0.00% 15.25% 21.25% 0.00% 7.20% 8.50% 0.00% 6.00% 7.50% 0.00% 4.50% 6.50%
12 Months 0.00% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O JAN 2024

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 15.00% 21.00% 0.00% 7.00% 8.25% 0.00% 5.50% 7.25% 0.00% 4.00% 6.25%
06 Months 0.00% 15.25% 21.25% 0.00% 7.20% 8.50% 0.00% 6.00% 7.50% 0.00% 4.50% 6.50%
12 Months 0.00% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O DEC 2023

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00%% 15.00% 21.00% 0.00% 7.00% 8.25% 0.00% 5.50% 7.25% 0.00% 4.00% 6.25%
06 Months 0.00% 15.25% 21.25% 0.00% 7.20% 8.50% 0.00% 6.00% 7.50% 0.00% 4.50% 6.50%
12 Months 0.00% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O October 2023

Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 0.00% 15.00% 21.00% 0.00% 7.00% 8.25% 0.00% 5.50% 7.25% 0.00% 4.00% 6.25%
06 Months 0.00% 15.25% 21.25% 0.00% 7.20% 8.50% 0.00% 6.00% 7.50% 0.00% 4.50% 6.50%
12 Months 0.00% 15.50% 21.50% 6.50% 7.50% 9.00% 5.75% 7.00% 8.00% 5.25% 5.00% 7.00%
03-Years 10.75% 14.00% 17.50% 6.75% 8.00% 8.00% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50%
05-Years 11.00% 13.50% 15.00% 7.00% 8.00% 8.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50%
Bank's Investment in the Pool 17.00% 17.00% 17.00% 5.75% 5.75% 5.75% 5.25% 5.25% 5.25% 4.00% 4.00% 4.00%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O September 2023

Tenure Profit Rates
PKR PKR-1 USD USD-1 GBP GBP-1 EUR EUR-1
03 Months 0.00% 15.00% 0.00% 7.00% 0.00% 5.50% 0.00% 4.00%
06 Months 0.00% 15.25% 0.00% 7.20% 0.00% 6.00% 0.00% 4.50%
12 Months 10.50% 15.50% 6.50% 7.50% 5.75% 7.00% 5.25% 5.00%
03-Years 10.75% 14.00% 6.75% 8.00% 6.25% 7.50% 5.50% 6.50%
05-Years 11.00% 13.50% 7.00% 8.00% 6.50% 7.50% 5.75% 6.50%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 4.50% 3.50% 3.50% 1.75% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O JULY 2023

Tenure Profit Rates
PKR PKR-1 USD USD-1 GBP GBP-1 EUR EUR-1
03 Months 0.00% 15.00% 0.00% 7.00% 0.00% 5.50% 0.00% 4.00%
06 Months 0.00% 15.25% 6.00% 7.20% 5.50% 6.00% 5.00% 4.50%
12 Months 10.50% 15.50% 6.50% 7.50% 5.75% 7.00% 5.25% 5.00%
03-Years 10.75% 14.00% 6.75% 8.00% 6.25% 7.50% 5.50% 6.50%
05-Years 11.00% 13.50% 7.00% 8.00% 6.50% 7.50% 5.75% 6.50%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 4.50% 3.50% 3.50% 1.75% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O JUNE 2023

Tenure Profit Rates
PKR PKR-1 USD USD-1 GBP GBP-1 EUR EUR-1
03 Months 0.00% 15.00% 0.00% 7.00% 0.00% 5.50% 0.00% 4.00%
06 Months 0.00% 15.25% 6.00% 7.20% 5.50% 6.00% 5.00% 4.50%
12 Months 10.50% 15.50% 6.50% 7.50% 5.75% 7.00% 5.25% 5.00%
03-Years 10.75% 14.00% 6.75% 8.00% 6.25% 7.50% 5.50% 6.50%
05-Years 11.00% 13.50% 7.00% 8.00% 6.50% 7.50% 5.75% 6.50%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 4.50% 3.50% 3.50% 1.75% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O APR 2023

Tenure Profit Rates
PKR PKR-1 USD USD-1 GBP GBP-1 EUR EUR-1
03 Months 0.00% 15.00% 5.50% 7.00% 5.25% 5.50% 4.75% 4.00%
06 Months 0.00% 15.25% 6.00% 7.20% 5.50% 6.00% 5.00% 4.50%
12 Months 10.50% 15.50% 6.50% 7.50% 5.75% 7.00% 5.25% 5.00%
03-Years 10.75% 14.00% 6.75% 8.00% 6.25% 7.50% 5.50% 6.50%
05-Years 11.00% 13.50% 7.00% 8.00% 6.50% 7.50% 5.75% 6.50%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 4.50% 3.50% 3.50% 1.75% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O MAY 2023

Tenure Profit Rates
PKR PKR-1 USD USD-1 GBP GBP-1 EUR EUR-1
03 Months 0.00% 15.00% 0.00% 7.00% 0.00% 5.50% 0.00% 4.00%
06 Months 0.00% 15.25% 6.00% 7.20% 5.50% 6.00% 5.00% 4.50%
12 Months 10.50% 15.50% 6.50% 7.50% 5.75% 7.00% 5.25% 5.00%
03-Years 10.75% 14.00% 6.75% 8.00% 6.25% 7.50% 5.50% 6.50%
05-Years 11.00% 13.50% 7.00% 8.00% 6.50% 7.50% 5.75% 6.50%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 4.50% 3.50% 3.50% 1.75% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O MAR 2023

Tenure Profit Rates
PKR PKR-1 USD USD-1 GBP GBP-1 EUR EUR-1
03 Months 0.00% 15.00% 5.50% 7.00% 5.25% 5.50% 4.75% 4.00%
06 Months 10.00% 15.25% 6.00% 7.20% 5.50% 6.00% 5.00% 4.50%
12 Months 10.50% 15.50% 6.50% 7.50% 5.75% 7.00% 5.25% 5.00%
03-Years 10.75% 14.00% 6.75% 8.00% 6.25% 7.50% 5.50% 6.50%
05-Years 11.00% 13.50% 7.00% 8.00% 6.50% 7.50% 5.75% 6.50%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 4.50% 3.50% 3.50% 1.75% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - EXPECTED PROFIT RATES FOR M/O JAN 2023

Tenure Profit Rates
PKR PKR-1 USD GBP EUR
03 Months 9.50% 15.00% 5.50% 5.25% 4.75%
06 Months 10.00% 15.25% 6.00% 5.50% 5.00%
12 Months 10.50% 15.50% 6.50% 5.75% 5.25%
03-Years 10.75% 14.00% 6.75% 6.25% 5.50%
05-Years 11.00% 13.50% 7.00% 6.50% 5.75%
Bank's Investment in the Pool 11.00% 11.00% 4.50% 3.50% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O DEC 2022

Tenure Profit Rates
PKR PKR-1 USD GBP EUR
03 Months 9.50% 15.00% 5.50% 5.25% 4.75%
06 Months 10.00% 15.25% 5.99% 5.50% 5.00%
12 Months 10.50% 15.50% 6.50% 5.75% 5.25%
03-Years 10.75% 14.00% 6.76% 6.25% 5.52%
05-Years 11.00% 13.50% 7.01% 6.50% 5.75%
Bank's Investment in the Pool 11.00% 11.00% 4.50% % 3.50% 1.75%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O NOV 2022

Tenure Profit Rates
PKR PKR-1 USD GBP EUR
03 Months 9.49% 14.99% 5.51% 5.26% 4.74%
06 Months 10.01% 15.24% 5.99% 5.51% 5.00%
12 Months 10.49% 15.51% 6.5% 5.74% 5.26%
03-Years 10.76% 14.01% 6.76% 6.25% 5.49%
05-Years 10.99% 13.49% 7.01% 6.51% 5.75%
Bank's Investment in the Pool 10.99% 10.99% 4.49% % 3.49% 1.76%

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O SEP 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.50% 5.51% 5.26% 4.75%
06 Months 10.01% 5.99% 5.50% 5.02%
12 Months 10.51% 6.51% 5.74% 5.24%
03-Years 10.76% 6.75% 6.24% 5.52%
05-Years 11.01% 6.99% 6.51% 5.74%
Bank's Investment in the Pool 8.27 % 3.01 % 2.52 % 1.76 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O August 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.51% 5.49% 5.24% 4.76%
06 Months 9.99% 6.00% 5.51% 4.99%
12 Months 10.05% 6.49% 5.75% 5.26%
03-Years 10.74% 6.76% 6.26% 5.51%
05-Years 11.01% 7.01% 6.52% 5.76%
Bank's Investment in the Pool 8.26 % 3.02 % 2.51 % 1.77 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O July 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.49% 5.5% 5.26% 4.74%
06 Months 10.01% 5.99% 5.49% 5.01%
12 Months 10.49% 6.51% 5.74% 5.25%
03-Years 10.75% 6.74% 6.24% 5.50%
05-Years 10.99% 6.99% 6.51% 5.74%
Bank's Investment in the Pool 8.27 % 3.01 % 2.49 % 1.76 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O June 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.51% 5.51% 5.25% 4.76%
06 Months 9.99 % 6.01% 5.51% 5.00%
12 Months 10.50% 6.49% 5.74% 5.26%
03-Years 10.76% 6.76% 6.26% 5.49%
05-Years 11.01% 7.01% 6.49% 5.76%
Bank's Investment in the Pool 8.26 % 3.00 % 2.51 % 1.75 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O May 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.49% 5.49% 5.24% 4.75%
06 Months 10.00 % 6.00% 5.50% 4.99%
12 Months 10.49% 6.51% 5.76% 5.24%
03-Years 10.74% 6.74% 6.25% 5.51%
05-Years 10.99% 7.00% 6.51% 5.74%
Bank's Investment in the Pool 8.25 % 3.01 % 2.50 % 1.76 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O April 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.50% 5.50% 5.26% 4.74%
06 Months 9.99 % 6.01% 5.51% 5.01%
12 Months 10.51% 6.49% 5.75% 5.25%
03-Years 10.76% 6.76% 6.24% 5.49%
05-Years 11.01% 7.01% 6.50% 5.76%
Bank's Investment in the Pool 8.26 % 3.00 % 2.51 % 1.75 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O March 2022

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.51% 5.51% 5.24% 4.76%
06 Months 10.01 % 5.99% 5.49% 5.00%
12 Months 10.50% 6.51% 5.74% 5.26%
03-Years 10.74% 6.75% 6.25% 5.50%
05-Years 10.99% 6.99% 6.51% 5.74%
Bank's Investment in the Pool 8.25 % 2.99 % 2.50 % 1.74 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O September 2021

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.51% 5.49% 5.26% 4.74%
06 Months 9.99 % 6.01% 5.51% 5.01%
12 Months 10.50% 6.51% 5.75% 5.26%
03-Years 10.76% 6.74% 6.26% 5.51%
05-Years 10.99% 7.00% 6.49% 5.74%
Bank's Investment in the Pool 8.24 % 2.99 % 2.49 % 1.76 %

ISLAMIC NAYA PAKISTAN CERTIFICATES - ACTUAL PROFIT RATES FOR M/O AUGUST 2021

Tenure Profit Rates
PKR USD GBP EUR
03 Months 9.49 % 5.51 % 5.25 % 4.76 %
06 Months 10.01 % 5.99 % 5.49 % 5.00 %
12 Months 10.48 % 6.49 % 5.74 % 5.24 %
03-Years 10.74 % 6.75 % 6.25 % 5.50 %
05-Years 11.01 % 6.99 % 6.51 % 5.76 %
Bank's Investment in the Pool 8.25 % 3.00 % 2.50 % 1.75 %

Islamic Naya Pakistan Certificates PSR & Weightages M/O JUNE 2021

Mudarbah Pool Mudarib Share Rab ul Maal Share
PKR 35% of distributable Income 65% of distributable Income
USD 55% of distributable Income 45% of distributable Income
GBP 65% of distributable Income 35% of distributable Income
EUR 70% of distributable Income 30% of distributable Income

Islamic Naya Pakistan Certificates PSR & Weightages M/O JULY 2024

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Tenure Profit Rates
PKR PKR-l PKR-ll USD USD-l USD-ll GBP GBP-l GBP-ll EUR EUR-l EUR-ll
03 Months 1.10% 1.80% 2.20% 1.70% 2.10% 2.10% 2.10% 2.20% 2.71% 2.71% 2.71% 2.80%
06 Months 1.20% 1.85% 2.25% 1.85% 1.85% 2.25% 2.20% 2.20% 2.30% 2.86% 2.86% 2.90%
12 Months 1.25% 1.90% 2.30% 2.10% 2.10% 2.30% 2.30% 2.30% 2.40% 3.00% 3.00% 3.20%
03-Years 1.27% 1.75% 2.00% 2.20% 2.20% 2.20% 2.50% 2.50% 2.50% 3.14% 3.14% 3.14%
05-Years 1.30% 1.65% 1.90% 2.30% 2.30% 2.20% 2.60% 2.60% 2.60% 3.29% 3.29% 3.29%
Bank's Investment in the Pool 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%1.00% 1.00% 1.00% 1.00% 1.00%

Islamic Naya Pakistan Certificates PSR & Weightages M/O JUNE 2021

Tenure Weightages Expected Rate of Return
PKR USD GBP EUR PKR USD GBP EUR
03 Months 1.10 % 1.70 % 2.10 % 2.71 % 9.50 % 5.50 % 5.25 % 4.75 %
06 Months 1.20 % 1.85 % 2.20 % 2.86 % 10.00 % 6.00 % 5.50 % 5.00 %
12 Months 1.25 % 2.10 % 2.30 % 3.00 % 10.50 % 6.50 % 5.75 % 5.25 %
03-Years 1.27 % 2.20 % 2.50 % 3.14 % 10.75 % 6.75 % 6.25 % 5.50 %
05-Years 1.30 % 2.30 % 2.60 % 3.29 % 11.00 % 7.00 % 6.50 % 5.75 %
Bank's Investment in the Pool 1.00 % 1.00 % 1.00 % 1.00 % 8.25 % 3.00 % 2.50 % 1.75 %

Key Features

  • Available in PKR, USD, GBP and EUR denominated certificate
  • Short and Long term investment tenor of 3 months, 6 months, 12 months, 3 Years and 5 Years
  • Premature Encashment option
  • Fully and easy Repatriable
  • Available in Shariah Compliant and Conventional Variants
  • The Certificate shall not be automatically reinvested or rolled-over after the maturity date.
  • The Certificates can be pledged as a security for raising financing in Pakistan
  • No Zakat Deduction
  • The profit on 3-month, 6-month and 12-month NPCs/INPC shall be payable on maturity, whereas the profit on 3-year and 5-year shall be payable on semi-annual basis.

Procedure for Issuance of Naya Pakistan Certificate/ Islamic Naya Pakistan Certificate

  • After account opening, customer will create login by using Register Now option and login to Roshan Digital portal
  • Customer will click on Financial Transaction option and select Naya Pakistan Certificate / Islamic Naya Pakistan Certificate
  • Select account from Account No field.
  • Input amount to be invested. (Min 100,000 PKR in multiples of PKR 10,000 & Min USD/GBP/EUR 5,000 in multiples of USD/GBP/EUR 1,000)
  • Select Tenure of investment from drop down.
  • Review T & C’s and click submit.
  • Early/Premature Encashment: For early encashment of certificate(s), please fill pre-mature encashment form available under Financial option.

Premature Encashment of Naya Pakistan Certificate

    Sr.#. Tenure Within 03 Months Between 03 Months To 06 Months Between 06 Months To 12 Months Between 01 Year To 03 Years Between 03 Years To 05 Years
    1. 03 Months





    No Interest / No Profit
    2. 06 Months Interest/Profit for broken period to be calculated based on 03-Month Certificate Rates
    3. 12 Months Interest/Profit for broken period to be calculated based on 03-Month Certificate Rates Interest/Profit for broken period to be calculated based on 06-Month Certificate Rates
    4. 03 Years - Half Yearly Interest/Profit for broken period to be calculated based on 03-Month Certificate Rates Interest/Profit for broken period to be calculated based on 06-Month Certificate Rates Rate of return accruing is equivalent to rate of return of the nearest shorter maturity of Certificates
    5. 05 Years - Half Yearly Interest/Profit for broken period to be calculated based on 03-Month Certificate Rates Interest/Profit for broken period to be calculated based on 06-Month Certificate Rates Rate of return accruing is equivalent to rate of return of the nearest shorter maturity of Certificates Rate of return accruing is equivalent to rate of return of the nearest shorter maturity of Certificates

  • No profit shall be paid in case of encashment of certificates before completion of 3 (three) months one each certificate.
  • Premature encashment proceeds shall be calculated at the rate of return equivalent to the return of the nearest shorter maturity of Certificates. For example, an investor of a 12-month NPC withdraws his/her investment in the 8th month of holding, in this case, he/she will be entitled to profit for the period up to date of premature encashment, fixed at the rate of return applicable on 6-month NPCs.
  • The six (6) months for the periodic profit payment on 3-Years and 5-Years Certificates will be determined from the date of issuance of the certificates.
  • In case of a holiday on the periodic profit or principal payment date, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. In such case, no profit will be payable for the period of the holidays.

Premature Encashment of Islamic Naya Pakistan Certificate (PKR)

    Sr.#. Tenure Within 03 Months Between 03 Months To 06 Months Between 06 Months To 12 Months Between 01 Year To 03 Years Between 03 Years To 05 Years
    1. 03 Months



    1.05% of 3 months INPC rate.
    2. 06 Months 3 Months INPC
    3. 12 Months 3 Months INPC 6 Months INPC
    4. 03 Years - Half Yearly 3 Months INPC 6 Months INPC 12 Months INPC
    5. 05 Years - Half Yearly 3 Months INPC 6 Months INPC 12 Months INPC 03 Year INPC

  • There shall be no premature encashment within the first month of issuance of certificate.
  • The proceeds for the premature encashment requests made after the first month shall be as per applicable schedule for premature encashment issued by Islamic NPC Company Limited.
  • In case of a holiday on the periodic profit or principal payment date, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. In such case, no profit will be payable for the period of the holidays.
  • Premature Encashment of Islamic Naya Pakistan Certificate (FCVA)

      Sr.#. Tenure Within 03 Months Between 03 Months To 06 Months Between 06 Months To 12 Months Between 01 Year To 03 Years Between 03 Years To 05 Years
      1. 03 Months



      1.8% of 3 months INPC rate.
      2. 06 Months 3 Months INPC
      3. 12 Months 3 Months INPC 6 Months INPC
      4. 03 Years - Half Yearly 3 Months INPC 6 Months INPC 12 Months INPC
      5. 05 Years - Half Yearly 3 Months INPC 6 Months INPC 12 Months INPC 03 Year INPC

    • There shall be no premature encashment within the first month of issuance of certificate.
    • The proceeds for the premature encashment requests made after the first month shall be as per applicable schedule for premature encashment issued by Islamic NPC Company Limited.
    • In case of a holiday on the periodic profit or principal payment date, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. In such case, no profit will be payable for the period of the holidays.

Conventional KFS

Islamic KFS

Roshan Digital Entity Account Overview

The Bank of Punjab is pleased to announce Roshan Digital Entity Accounts, for entities that are

  • Incorporated/ registered outside Pakistan and
  • Majority (more than 51%) owned and controlled by Non-Resident Pakistanis (NRPs) and / or Non-Resident Pakistan Origin Card (POC) holders

  • Following type of entities can open their remote account through digital means

  • Limited Liability partnership
  • Limited companies/Corporations
  • Trusts, Societies Associations, etc.
  • NGO/NPOs/Charities
  • Other Similar Legal Arrangements
  • Product Features

    • Offered in PKR and Foreign Currency (USD,GBP,EUR)
    • Available in Conventional & Islamic variants
    • Available in Current and Saving categories
    • No charges on Opening, Closure and maintenance of account
    • No minimum balance requirement
    • Free E-statement
    • Cheque book facility
    • Accounts are fully repatriable
    • Accounts can be fed by Foreign Inward Remittance originating through banking or legal channels.
    • Local credits not allowed, however, proceeds received from permissible investment are allowed.

    Documentation:

    • Required Documents RDA Entity
    • Following additional documents required for each Person associated with the Customer
    • o Original scanned CNIC/ NICOP/ POC/ Passport (first 2 pages only) or valid Identity Document of other country (only for foreign nationals)

      o - Proof of non-resident status, e.g. scanned copy of POC, visa, entry/ exit stamps, etc. (only from non-residents)

    • Live photo of the persons authorize to open and operate the account.
    • Scanned signatures of the Authorize Signatories
    • FATCA forms (If applicable)
    • CRS declaration (If applicable)

    Account Opening Process

    • Click on APPLY NOW button and fill the online AOF.
    • Attached require documents and submit the AOF.
    • For assistance at any stage of the account opening process, you can contact rda team at rdarm@bop.com.pk
    • Account will be opened within 48 hours; subject to completion of all documentation and formalities.
    • KFS



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    This page was last updated on: November 4, 2024 5:00:00 PM
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