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Naya PakistanItalian Trulli
Naya Pakistan Certificates (NPS) are an attractive financial instrument specifically designed for Non-Resident Pakistanis and those Resident Pakistanis with declared assets abroad. These certificates offer an attractive rate of return over different maturities and in different currencies including PKR, USD, GBP & Euro. Furthermore, they are issued by the Government of Pakistan na d administered by the State Bank of Pakistan.

NPC Profit Rates

NPC Profit Rates
Rate of Return (Gross annual return before tax)
Currency Minimum Investment 3 Months 6 Months 12 Months 3 Years 5 Years
USD Rates 1,000 with integral multiples of 500 5.5% 6.0% 6.5% 6.75% 7.0%
PKR Rates 10,000 with integral multiples of 1,000 15.0% 15.25% 15.5% 14.0% 13.5%
GBP Rates 1,000 with integral multiples of 500 5.25% 5.5% 5.75% 6.25% 6.50%
EUR Rates 1,000 with integral multiples of 500 4.75% 5.0% 5.25% 5.5% 5.75%

*Subject to W.H.T of 10% currently and subject to change as per the directives of SBP.

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

NPC Key Features

NPC Key Features
Offered in multiple currencies, PKR, USD, GBP and EUR
Short and long-term investment tenors of 3 Months, 6 Months, 12, Months, 3 Years and 5 Years
Fully and easily repatriable
No Zakat deduction
Premature encashment option
Option to raise Financing against Naya Pakistan Certificates pledged as a security.
High returns of up to 11% on your investments in multiple currency denominated certificates
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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
Naya Pakistan Certificates (NPS) are an attractive financial instrument specifically designed for Non-Resident Pakistanis and those Resident Pakistanis with declared assets abroad. These certificates offer an attractive rate of return over different maturities and in different currencies including PKR, USD, GBP & Euro. Furthermore, they are issued by the Government of Pakistan na d administered by the State Bank of Pakistan.

NPC Profit Rates

NPC Profit Rates
Rate of Return (Gross annual return before tax)
Currency Minimum Investment 3 Months 6 Months 12 Months 3 Years 5 Years
USD Rates 1,000 with integral multiples of 500 5.5% 6.0% 6.5% 6.75% 7.0%
PKR Rates 10,000 with integral multiples of 1,000 15.0% 15.25% 15.5% 14.0% 13.5%
GBP Rates 1,000 with integral multiples of 500 5.25% 5.5% 5.75% 6.25% 6.50%
EUR Rates 1,000 with integral multiples of 500 4.75% 5.0% 5.25% 5.5% 5.75%

*Subject to W.H.T of 10% currently and subject to change as per the directives of SBP.