Question 1

What is a Roshan Digital Account (RDA)?

Accepted Answer

A Roshan Digital Account is a special bank account offered by Pakistani banks to non-resident Pakistanis (NRPs) and foreign nationals of Pakistani origin. It can be opened entirely online without visiting Pakistan, and allows investment in government securities, stocks, mutual funds, and property.

Question 2

Who is eligible to open an RDA account?

Accepted Answer

Any Pakistani national holding a valid NICOP (National Identity Card for Overseas Pakistanis) or Pakistani Passport, residing outside Pakistan, is eligible. Foreign nationals of Pakistani origin with a Pakistan Origin Card (POC) are also eligible.

Question 3

What is a Naya Pakistan Certificate (NPC)?

Accepted Answer

Naya Pakistan Certificates are sovereign government-backed investment certificates available exclusively through RDA accounts. They offer fixed profit rates for tenors of 3 months, 6 months, 1 year, 3 years, and 5 years. Both conventional and Islamic (Shariah-compliant) variants are available.

Question 4

What is the current NPC profit rate in 2026?

Accepted Answer

NPC profit rates in 2026 range from approximately 12.25% to 13.25% per annum for conventional certificates, and 12.50% to 13.50% for Islamic certificates, depending on the tenor. Longer tenors offer slightly higher rates. Rates are updated periodically by the State Bank of Pakistan.

Question 5

Is NPC profit taxable for overseas Pakistanis?

Accepted Answer

NPC profits are exempt from withholding tax for non-resident Pakistanis (NRPs) holding RDA accounts, making the effective yield higher than comparable local instruments. This is one of the biggest advantages of RDA investment.

Question 6

Can I withdraw money from RDA anytime?

Accepted Answer

Yes. RDA current and savings accounts allow free repatriation of funds. NPC investments can be encashed before maturity (premature withdrawal) with a penalty of approximately 1–2% deducted from the profit. The principal is always protected.

Question 7

Which bank is best for RDA?

Accepted Answer

For Islamic investors, Meezan Bank is considered best — fastest account opening (1–2 days) and highest app rating. For maximum currency options, HBL supports 7 currencies. Bank of Punjab offers the lowest minimum deposit at $50. Compare features using our bank comparison tool.

Question 8

How long does it take to open an RDA account?

Accepted Answer

Most banks open RDA accounts within 2–3 business days once documents are submitted. Meezan Bank is fastest at 1–2 days. You need: valid NICOP/Pakistani passport, proof of overseas address, and a selfie/video for biometric verification.

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