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JS / Roshan Digital Account / Sohni Dharti Remittance Program (SDRP)

Sohni Dharti Remittance Program-SDRP aims to incentivize non-resident Pakistanis (NRPs) to use formal banking channels to remit their hard-earned money to receivers in Pakistan.

By virtue of this App based loyalty program, remitters will be awarded points on all their remittances sent to Pakistan. The points earned can be redeemed at participating government agencies for e.g., passport fee, mobile levy, PIA tickets etc.

Sohni Dharti Remittance Program-SDRP aims to incentivize non-resident Pakistanis (NRPs) to use formal banking channels to remit their hard-earned money to receivers in Pakistan.

By virtue of this App based loyalty program, remitters will be awarded points on all their remittances sent to Pakistan. The points earned can be redeemed at participating government agencies for e.g., passport fee, mobile levy, PIA tickets etc.

Product Features
  • Android and i”OS-based mobile App for SDRP.
  • Available in both English and Urdu languages
  • Remitter can register as “primary user” and can add one SDRP beneficiary as secondary ser. Remitter can add up to five receivers/beneficiaries for gaining points on their particulars/credentials in the system.
  • All eligible remittance transactions, under the applicable rules and regulations of the State Bank of Pakistan through banking system are eligible for awarding loyalty points.
  • Remitters shall be allocated with points against their remittance amount (PKR). These points can be redeemed through App enabled services, offered by participating partners (PSEs).
  • Financial institutions will share remittance transactions & RDA account files and their consumption of transactional data on daily basis.
  • Remittance received through MTOs/banks under PRI channel, remittances received through SWIFT in PKR non-repatriable accounts (person to person), non-repatriable local utilization from RDA PKR account and non-repatriable local utilization from RDA FCY accounts are eligible for SDRP.
  • “Self-Awarding” and “Auto Awarding” of points feature to ensure remitters shall get points on all their remittances. Complaint management system for timely resolution of problems.
  • Tier-based customer profiling Eligible Transactions for Points Awarding:
  • Remittances sent by an overseas Pakistani residents and received by Pakistani nationals in Pak Rupees bank account in Pakistan.
  • Remittances sent by an overseas Pakistani resident and received by Pakistani in cash PKR over the counter of authorized banks and exchange companies in Pakistan.

Sohni Dharti Remittance Program-SDRP aims to incentivize non-resident Pakistanis (NRPs) to use formal banking channels to remit their hard-earned money to receivers in Pakistan.

By virtue of this App based loyalty program, remitters will be awarded points on all their remittances sent to Pakistan. The points earned can be redeemed at participating government agencies for e.g., passport fee, mobile levy, PIA tickets etc.

Sohni Dharti Remittance Program-SDRP aims to incentivize non-resident Pakistanis (NRPs) to use formal banking channels to remit their hard-earned money to receivers in Pakistan.

By virtue of this App based loyalty program, remitters will be awarded points on all their remittances sent to Pakistan. The points earned can be redeemed at participating government agencies for e.g., passport fee, mobile levy, PIA tickets etc.

Product Features