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JS / Roshan Digital Account / Islamic Naya Pakistan Certificate

Naya PakistanItalian Trulli Islamic Naya Pakistan Certificates (INPC) are sovereign instruments issued by Government of Pakistan. These certificates offer lucrative rate of return and are available in multiple tenors. This initiative – IS by State Bank of Pakistan (SBP), offers investors an opportunity to contribute towards economic growth and prosperity in Pakistan by offering lucrative investment options to Non-Resident Pakistanis (NRPs) and resident Pakistanis (with declared assets abroad).

Islamic Naya Pakistan Certificate (INPC) is a Shariah-compliant investment option that is offered to JS Bank Roshan Digital Account holders on the basis of Mudarabah.

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INPC Profit Rates

INPC Profit Rates
Sr No. Currency Minimum Denomination Rate of Return
(1) (2) (3) (4)
Three Months Six months Twelve months Three years Five years
1 US Dollars 1,000 US Dollars 7.00% 7.20% 7.50% 8.00% 8.00%
2 Pak Rupees 10,000 Pak Rupees 15.00% 15.25% 15.50% 14.00% 13.50%
3 GBP 1,000 GBP 5.50% 6.00% 7.00% 7.50% 7.50%
4 Euro 1,000 Euro 4.00% 4.50% 5.00% 6.50% 6.50%
Minimum Amount of Investment

Minimum Amount of Investment
FCY Denominated Certificates USD, GBP & Euro: Minimum Investment of 1,000 with integral multiples of 500/-
LCY Denominated Certificates PKR: Minimum Investment of 10,000 with integral multiples of 1,000/-

*Amount of investment in each tenor certificate shall be as above

Key Features

Key Features
Offered in multiple currencies, PKR, USD, GBP and EUR
Fully and easily repatriable
No Zakat deduction
Premature encashment option
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For any further queries, be sure to check out our FAQs at https://jsbl.com/rda-terms-and-conditions/ or email us at [email protected] or contact us at our 24/7 dedicated helpline; Call us at: 021 111 654 321 | +92 (21) 3279 9009

For further information on Roshan Digital Accounts from State Bank of Pakistan, Please visit https://www.sbp.org.pk/RDA/index.html or email at [email protected].

Naya PakistanItalian Trulli Islamic Naya Pakistan Certificates (INPC) are sovereign instruments issued by Government of Pakistan. These certificates offer lucrative rate of return and are available in multiple tenors. This initiative – IS by State Bank of Pakistan (SBP), offers investors an opportunity to contribute towards economic growth and prosperity in Pakistan by offering lucrative investment options to Non-Resident Pakistanis (NRPs) and resident Pakistanis (with declared assets abroad).

Islamic Naya Pakistan Certificate (INPC) is a Shariah-compliant investment option that is offered to JS Bank Roshan Digital Account holders on the basis of Mudarabah.