Investing in accordance with Islamic principles is essential for many individuals seeking ethical and Shariah-compliant financial opportunities. Halal investing ensures funds are placed in businesses and instruments that comply with Islamic finance guidelines, avoiding interest-based (Riba) or speculative investments.
For Pakistani residents and overseas Pakistanis, the Islamic Naya Pakistan Certificate (INPC) is a secure and halal investment option introduced by the Government of Pakistan.
This article explains how to start halal investing in Pakistan, covering the benefits of the Islamic Naya Pakistan Certificate, eligibility criteria, and how to invest through JS Bank.
What Is Halal Investing?
Halal investing refers to financial activities that align with Shariah law, meaning they:
Avoid interest (Riba) – No earnings from interest-based financial products.
Exclude unethical industries – Investments in businesses related to alcohol, gambling, and speculation are prohibited.
Follow profit-sharing models – Returns are generated through ethical and shared profit arrangements.
JS Bank offers the Islamic Naya Pakistan Certificate (INPC) as a Shariah-compliant investment opportunity, providing competitive returns while adhering to Islamic finance principles.
Why Choose Islamic Naya Pakistan Certificate (INPC)?
1. Shariah-Compliant Investment
The Islamic Naya Pakistan Certificate follows the Mudarabah model, where the investor (Rab-ul-Maal) and Islamic Naya Pakistan Certificate Company Limited (INCCPL) (Mudarib) share profits from Shariah-compliant investments.
2. Competitive Returns
INPC offers higher profit rates than conventional bank deposits, making it a lucrative halal investment option.
3. Multiple Currency Options
Investors can purchase INPCs in:
- Pakistani Rupees (PKR)
- US Dollars (USD)
- British Pounds (GBP)
- Euros (EUR)
4. Available for Both Residents & Overseas Pakistanis
Overseas Pakistanis can invest via JS Bank’s Roshan Digital Account (RDA).
Resident Pakistanis with declared foreign assets can also invest.
5. Tax Benefits & Zakat Exemption
No compulsory Zakat deduction on INPCs.
Tax-efficient with lower withholding tax on profits.
6. Flexible Investment Tenure
Investors can choose from different investment durations:
3 Months, 6 Months, 12 Months, 3 Years, 5 Years
7. Fully Repatriable for Overseas Pakistanis
For non-resident Pakistanis, INPC profits and principal investments can be repatriated without restrictions.
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.
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.
Conclusion
The Islamic Naya Pakistan Certificate (INPC) is a secure and Shariah-compliant investment with competitive returns for those looking for halal investing in Pakistan.
JS Bank’s Roshan Digital Account makes it easy for overseas Pakistanis and resident Pakistanis with foreign assets to invest in INPC, offering a risk-free and ethical investment opportunity.
With multiple currency options, flexible tenures, and tax benefits, the Islamic Naya Pakistan Certificate is among the best choices for ethical and halal investment in Pakistan.
If you want to invest securely while adhering to Islamic finance principles, apply for an Islamic Naya Pakistan Certificate through JS Bank today.