What Are Naya Pakistan Certificates?
Naya Pakistan Certificates are sovereign investment certificates backed by the Government of Pakistan. SBP administers them. You invest in them through your bank — in this case, through Allied Bank’s Naya Pakistan Certificate Investment facility.
They are not mutual funds or equity products. Your capital and profit are tied to the government, not a market index. This makes NPCs one of the lower-risk investment options available to overseas Pakistanis and resident individuals with declared foreign assets.
NPCs are also exempted from Zakat. Premature encashment is allowed. You can even use your certificates as security to access financing facilities, which is useful if you need liquidity before your certificate matures.
Who Can Invest in NPCs?
Three groups are eligible:
If you already have an RDA with Allied Bank, you can apply directly through the RDA portal. No separate account opening is required.
Currencies and Minimum Investment
NPCs are available in PKR, USD, GBP and Euro. The minimum investment for PKR certificates is PKR 10,000, in multiples of PKR 1,000. For foreign currency certificates, the minimum is 1,000 units of the relevant currency, in multiples of 500.
How Is Profit Paid?
The payment schedule depends on the tenure you choose.
All profit and principal are credited directly to your Roshan Digital Account. No manual collection is needed.
How to Invest in Naya Pakistan Certificates via Allied Bank
The entire process is online. There’s no paperwork and no branch visit.
For Further Information
Frequently Asked Questions
Q. What is a Naya Pakistan Certificate?
A Naya Pakistan Certificate is a government-issued investment instrument available to Roshan Digital Account holders and Non-Resident Pakistanis. It offers fixed returns across multiple currencies and tenures, backed by a sovereign guarantee.
Q. Are NPCs transferable?
No. NPCs are non-transferable, except under applicable laws.
Q. Can I encash my NPC before it matures?
Yes. Premature encashment is allowed, though this may affect the profit you receive. Confirm the encashment terms with Allied Bank before investing.
Q. Who issues Naya Pakistan Certificates?
NPCs are issued by the Government of Pakistan and administered by SBP. Allied Bank facilitates the investment process for RDA holders.
Q. Do I need a separate account to invest in NPCs?
No. If you already hold a Roshan Digital Account with Allied Bank, you can invest directly through the RDA portal.
Q. How is profit paid to investors?
Profit and principal are directly credited to the customer’s Roshan Digital Account. To start investing in Naya Pakistan Certificates, log in to your Allied Bank RDA portal or visit the Naya Pakistan Certificate Investment page for full details. Profit rates quoted are gross annual returns before applicable withholding tax and are subject to change as per SBP directives. Allied Bank acts as a facilitating institution only. NPCs are issued and guaranteed by the Government of Pakistan. This article is for informational purposes and does not constitute investment advice.