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Overview – Naya Pakistan Certificate Investment

Naya Pakistan Certificates (NPCs) are a secure and high-yield investment option introduced by the Government of Pakistan, available exclusively to Roshan Digital Account (RDA) holders. Facilitated through Allied Bank, these certificates are offered in USD, PKR, Euro, and GBP denominations, in both conventional and Islamic versions.

Designed to offer attractive risk-adjusted returns, NPCs support the financial goals of Overseas Pakistanis and resident individuals with declared foreign assets. Backed by a sovereign guarantee and administered by the State Bank of Pakistan, these instruments provide flexible maturities, complete repatriability, and profit payouts that suit both short-term and long-term investment plans.

Whether you’re looking for stable returns, Shariah-compliant investments, or quick digital onboarding, NPCs through ABL offer a reliable and transparent solution.

  • Available in five maturities: 3-month, 6-month, 12-month, 3-year, and 5-year

  • Profit on 3-, 6-, and 12-month NPCs is paid on maturity

  • Profit on 3-year and 5-year NPCs is paid on a semi-annual basis

  • Fully repatriable with quick processing

  • Zakat exempt

  • Premature encashment option available

  • Financing facilities available against NPCs pledged as security

 

Currency Minimum Investment Rate of return (Gross annual return before tax)
3-M 6-M 12-M 3-Y 5-Y
PKR 10,000 with integral multiples of 1,000 10.75% 11.00% 11.00% 11.25% 11.50%
USD 1,000 with integral multiples of 500 5.50% 5.50% 5.75% 6.00% 6.25%
GBP 1,000 with integral multiples of 500 5.50% 5.75% 6.00% 6.25% 6.50%
EURO 1,000 with integral multiples of 500 3.50% 3.75% 4.00% 4.50% 4.75%

Currency Minimum Investment Rate of return (Gross annual return before tax)
3-M 6-M 12-M 3-Y 5-Y
PKR 10,000 with integral multiples of 1,000 10.75% 11.00% 11.00% 11.25% 11.50%
USD 1,000 with integral multiples of 500 5.50% 5.50% 5.75% 6.00% 6.25%
GBP 1,000 with integral multiples of 500 5.50% 5.75% 6.00% 6.25% 6.50%
EURO 1,000 with integral multiples of 500 3.50% 3.75% 4.00% 4.50% 4.75%

 

  • Roshan Digital Account holders

  • Non-Resident Pakistanis (NRPs)

  • Resident Pakistanis with declared foreign assets

Apply through your Roshan Digital Account with Allied Bank:
Login to ABL RDA Portal

Q1: What is Naya Pakistan Certificate investment?

A government-backed certificate offering competitive returns for FCVA and NRVA account holders.

Q2: How is profit paid to investors?

Profit and principal are directly credited to the customer’s Roshan Digital Account.

Q3: Are these certificates transferable?

No, NPCs are non-transferable, except under applicable laws.

Q4: Who issues the Naya Pakistan Certificates?

NPCs are issued by the Government of Pakistan and administered by SBP. Allied Bank acts as a facilitating institution.