Roshan Digital Account: Investing from Abroad

The Roshan Digital Account (RDA)—an initiative of the State Bank of Pakistan (SBP) in collaboration with major commercial banks—has transformed how Non-Resident Pakistanis (NRPs) and Pakistan Origin Card (POC) holders interact with their homeland's financial system. Beyond routine banking, RDA serves as a secure, fully digital gateway to participate directly in Pakistan’s thriving capital markets without ever needing to visit a local bank branch.  

Roshan Equity Investment (REI): Through an integrated sub-account linked directly to your RDA, you can trade shares, exchange-traded funds (ETFs), and mutual funds on the Pakistan Stock Exchange (PSX). This gives you direct exposure to top-tier sectors like commercial banking, energy, technology, and cement. 

Government-Backed Savings & Sukuks: If you prefer fixed-income or lower-risk instruments, your RDA allows you to invest in conventional and Shariah-compliant Naya Pakistan Certificates (NPCs) or government Treasury bills and Pakistan Investment Bonds (PIBs). These instruments offer competitive profit rates across multiple foreign currencies (USD, GBP, EUR) as well as Pakistani Rupees. 

Full Repatriation Freedom: One of the most critical advantages of the RDA framework is capital mobility. Principal amounts, capital gains, and dividend payouts earned through your investments can be repatriated abroad freely, without requiring prior approvals from commercial banks or the State Bank of Pakistan. 

Streamlined Digital Onboarding: Opening an account requires zero physical paperwork. You can apply online through any designated commercial bank, complete your digital Know Your Customer (KYC) requirements, and seamlessly select a licensed brokerage partner to activate your stock market trading portal.