- The NPCs are available in five maturities, namely, 3-month, 6-month, 12-month, 3-year and 5-year,
- The profit on 3-month, 6-month and 12-month NPCs shall be payable on maturity, whereas the profit on 3-year and 5-year shall be payable to the investors on semi-annual basis.
- Repatriable in total with ease and a quick processing
- Zakat exempted
- Availability of Premature encashment option
- Financing Facilities against Naya Pakistan Certificates pledged as a security.
Rate of Returns:
The amount of Investment in USD, PKR, GBP and Euro denominated certificate is as under:
| Currency | Minimum Investment | Rate of return (Gross annual return before tax) | ||||
| 3-Month | 6-Month | 12-Month | 3-Year | 5-Year | ||
| USD | 1,000 with integral multiples of 500 | 7.00% | 7.00% | 7.00% | 7.50% | 7.50% |
| PKR | 10,000 with integral multiples of 1,000 | 13.50% | 13.50% | 13.00% | 12.50% | 12.50% |
| GBP | 1,000 with integral multiples of 500 | 7.25% | 7.25% | 7.25% | 7.50% | 7.50% |
| Euro | 1,000 with integral multiples of 500 | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
*The aforesaid revisions shall be in force from February 20, 2025.
Weightages:
The amount of Investment in USD, PKR, GBP and Euro denominated certificate is as under:
| Currency | Minimum Investment | Expected rate of return | ||||
| 3-Month | 6-Month | 12-Month | 3-Year | 5-Year | ||
| USD | 1,000 with integral multiples of 500 | 7.00% | 7.00% | 7.00% | 7.50% | 7.50% |
| PKR | 10,000 with integral multiples of 1,000 | 13.50% | 13.50% | 13.00% | 12.50% | 12.50% |
| GBP | 1,000 with integral multiples of 500 | 7.25% | 7.25% | 7.25% | 7.50% | 7.50% |
| Euro | 1,000 with integral multiples of 500 | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
*The aforesaid revisions shall be in force from March 06,2025
RDA Account holders
- Non-Resident Pakistanis
- Resident Pakistanis (With Declared assets abroad)
Apply via your Roshan Digital Account with Allied Bank: Login to ABL RDA Portal
Q1: What is Naya Pakistan Certificate investment?
It’s a government-backed certificate offering competitive returns for FCVA and NRVA account holders.
Q2: How is profit paid to investors?
Profit and principal are credited directly to the customer’s RDA.
Q3: Are these certificates transferable?
No, NPCs are non-transferable except as per applicable laws.
Q4: Who issues the Naya Pakistan Certificates
NPCs are issued by the Government of Pakistan and managed by SBP. Allied Bank acts as a facilitator.
For further information on Naya Pakistan Certificates from State Bank of Pakistan, please visit: https://www.sbp.org.pk/NPC-/FAQs.html
Suggestions & Queries: [email protected]
Complaints: [email protected] / [email protected]