Pakistan offers a range of halal investment opportunities for Muslim investors seeking ethical and Sharia-compliant investments. These options ensure that your financial activities align with Islamic principles, avoiding interest-based or non-compliant sectors like alcohol and gambling.

JS Bank provides some of the best halal investment in Pakistan, offering a variety of funds that adhere to Shariah standards while generating competitive returns.

What Are Halal Investments?

Halal investments follow Sharia law, avoiding interest-based income and avoiding industries prohibited in Islam, such as gambling, alcohol, and tobacco. These investments focus on ethical practices and allow Muslims to invest without compromising their religious beliefs.

Shariah-Compliant Investment Option with JS Bank

The Islamic Naya Pakistan Certificates (INPCs) are sovereign, Sharia-compliant instruments issued by the Government of Pakistan through the State Bank of Pakistan (SBP).

These certificates are structured on the Islamic principle of Mudarabah (profit-sharing), where investors (Rab-ul Maal) contribute funds, and INPC Company Limited (Mudarib) manages and invests those funds in Sharia-compliant transactions. Profits are then distributed between the investors and the manager based on pre-determined ratios.

Key Features of INPCs

1. Multiple Currency Options: INPCs are available in Pakistani Rupees (PKR) and foreign currencies (USD, GBP, and EUR), allowing investors flexibility.
2. Fully Repatriable: Funds invested in INPCs are fully repatriable, making them accessible for overseas Pakistanis who want to withdraw their investments abroad.
3. No Zakat Deduction: INPCs do not deduct Zakat, offering a unique benefit to investors seeking Islamic-compliant options.
4. Flexible Tenures: Investors can choose from various tenures, including 3 months, 6 months, 12 months, 3 years, and 5 years, catering to both short- and long-term investment goals.
5. Premature Encashment Option: INPCs provide an option for premature encashment, allowing flexibility if you need access to funds before the investment term ends.

Who Can Invest in INPCs?

Investing in INPCs is accessible to:

• Overseas Pakistanis who maintain a JS Roshan Digital Account.
• Resident Pakistanis with declared assets held abroad and a JS Roshan Digital Account.

INPCs can be purchased in PKR through a Roshan Digital PKR Account or in foreign currencies through a Roshan Digital FCY Account, providing flexibility for investors based on their residency status and currency preferences.

Minimum Investment Requirements

The minimum investment amount varies by currency:

• PKR: Minimum investment of PKR 10,000 with additional multiples of PKR 1,000.
• USD, GBP, EUR: Minimum investment of 1,000 in the chosen currency, with additional multiples of 500.

This flexibility allows investors to start with relatively small amounts, making it accessible to a wider range of investors.

Benefits of Choosing INPCs for Long-Term Growth

As government-backed instruments, INPCs offer competitive, stable returns that align with Islamic finance principles, making them a safer option for those looking for consistent growth.

By investing in INPCs, overseas Pakistanis directly contribute to Pakistan’s economic development while generating personal returns.

As the best halal investment in Pakistan, INPCs are a perfect option for individuals who prioritize Sharia-compliant investments.

JS Bank’s seamless access makes it easy for overseas Pakistanis to open an account, invest in INPCs, and manage their portfolios digitally through the JS Mobile App.

Steps to Invest in Islamic Naya Pakistan Certificates

• Open a JS Roshan Digital Account: This account is essential for accessing INPCs and can be opened through JS Bank.
• Select Currency and Tenure: Based on your investment goals, choose the currency (PKR, USD, GBP, or EUR) and tenure (3 months, 6 months, 12 months, 3 years, or 5 years).
• Complete the Investment Process: Follow the investment guidelines provided by JS Bank to purchase the desired amount of INPCs.

Conclusion

For those seeking halal investment options that are safe, profitable, and Sharia-compliant, JS Bank’s Islamic Naya Pakistan Certificates (INPCs) are ideal. With multiple currency options, flexible tenures, and a repatriable structure, INPCs offer a powerful opportunity to grow wealth while adhering to Islamic principles.

Open a JS Roshan Digital Account today to explore the best halal investment in Pakistan and secure a stable, ethical financial future.