HABIBMETRO SIRAT presents Roshan Digital account, a State Bank of Pakistan initiative to provide Non-Resident Pakistanis (NRPs) a convenient and Shariah-compliant solution to remit and invest funds in Pakistan for a brighter future for this country.
Resident individual Pakistanis interested in opening a Foreign Currency Value Account (FCVA) may visit our RDA designated branches to get their account opened. RDA designated branch for Islamic Banking is listed below:
Islamic Naya Pakistan Certificates
Roshan Digital Account (RDA), an SBP (State Bank of Pakistan) initiative for overseas Pakistanis provides these individuals a platform to invest in Pakistan’s future by investing in Islamic Naya Pakistan Certificates (INPCs).
These certificates are sovereign government securities that generate high rate of returns for RDA customers that have various tenors ranging from 3-Months to 5-Years available in USD, GBP, EURO and PKR currencies.
The Certificates shall be subscribed the following individuals:
Key Features
Islamic Naya Pakistan Certificate
| Weightages & Expected Return for the Month of February 2023 | ||||
| PKR Denominated Islamic Naya Pakistan Certificates | ||||
| Tenure For Denominated INPC | PKR Denomination | PKR INPC-1 Denomination** | ||
| Expected Return*(% per annum) | Weightage Assigned | Expected Return*(% per annum) | Weightage Assigned | |
| 3 Months – Profit payment at Maturity | 9.50% | 1.1 | 15.00% | 1.8 |
| 6 Months – Profit payment at Maturity | 10.00% | 1.2 | 15.25% | 1.85 |
| 12 Months – Profit payment at Maturity | 10.50% | 1.25 | 15.50% | 1.9 |
| 3 Years – Profit payment Bi-Annually | 10.75% | 1.27 | 14.00% | 1.75 |
| 5 Years – Profit payment Bi-Annually | 11.00% | 1.3 | 13.50% | 1.65 |
| Bank’s Investment in the pool | 11.00% | 1.00 | 11.00% | 1.00 |
| USD Denominated Islamic Naya Pakistan Certificates | ||||
| Tenure For Denominated INPC | USD Denomination | USD INPC-1 Denomination*** | ||
| Expected Return*(% per annum) | Weightage Assigned | Expected Return*(% per annum) | Weightage Assigned | |
| 3 Months – Profit payment at Maturity | 5.50% | 1.7 | 7.00% | 1.7 |
| 6 Months – Profit payment at Maturity | 6.00% | 1.85 | 7.20% | 1.85 |
| 12 Months – Profit payment at Maturity | 6.50% | 2.1 | 7.50% | 2.1 |
| 3 Years – Profit payment Bi-Annually | 6.75% | 2.2 | 8.00% | 2.2 |
| 5 Years – Profit payment Bi-Annually | 7.00% | 2.3 | 8.00% | 2.3 |
| Bank’s Investment in the pool | 4.50% | 1.00 | 4.50% | 1.00 |
| GBP Denominated Islamic Naya Pakistan Certificates | ||||
| Tenure For Denominated INPC | GBP Denomination | GBP INPC-1 Denomination*** | ||
| Expected Return*(% per annum) | Weightage Assigned | Expected Return*(% per annum) | Weightage Assigned | |
| 3 Months – Profit payment at Maturity | 5.25% | 2.1 | 5.50% | 2.1 |
| 6 Months – Profit payment at Maturity | 5.50% | 2.2 | 6.00% | 2.2 |
| 12 Months – Profit payment at Maturity | 5.75% | 2.3 | 7.00% | 2.3 |
| 3 Years – Profit payment Bi-Annually | 6.25% | 2.5 | 7.50% | 2.5 |
| 5 Years – Profit payment Bi-Annually | 6.50% | 2.6 | 7.50% | 2.6 |
| Bank’s Investment in the pool | 3.50% | 1.00 | 3.50% | 1.00 |
| EUR Denominated Islamic Naya Pakistan Certificates | ||||
| Tenure For Denominated INPC | EUR Denomination | EUR INPC-1 Denomination*** | ||
| Expected Return*(% per annum) | Weightage Assigned | Expected Return*(% per annum) | Weightage Assigned | |
| 3 Months – Profit payment at Maturity | 4.75% | 2.71 | 4.00% | 2.71 |
| 6 Months – Profit payment at Maturity | 5.00% | 2.86 | 4.50% | 2.86 |
| 12 Months – Profit payment at Maturity | 5.25% | 3 | 5.00% | 3 |
| 3 Years – Profit payment Bi-Annually | 5.50% | 3.14 | 6.50% | 3.14 |
| 5 Years – Profit payment Bi-Annually | 5.75% | 3.29 | 6.50% | 3.29 |
| Bank’s Investment in the pool | 1.75% | 1.00 | 1.75% | 1.00 |
*Note: According to the rules of Mudarabah, expected rates are not to be taken as confirmation/guarantee of profit rate. The purpose of the expected profit rates is given to give an estimation to the Rab-ul-Maal / investors (INPC holder). The actual profit rates will be calculated on the actual profit for the respective month.
SBP Islamic Naya Pakistan Certificates (INPCs- II) rates declared in the month of Oct, 2023
In case you have any further queries, please check our FAQs, email us at rdasupport@habibmetro.com or call us at (+9221) 111 142 242. You may also use our live WhatsApp chat service at +923093141414.
For complaints, please email at complaints@habibmetro.com
If you require further information or wish to provide any feedback or queries on Roshan Digital Account, you may also visit State Bank of Pakistan’s website at http://www.sbp.org.pk/RDA/index.html or email at RDAsupport@sbp.org.pk
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