{"id":107102,"date":"2022-09-21T10:30:00","date_gmt":"2022-09-21T10:30:00","guid":{"rendered":"https:\/\/www.zameen.com\/blog\/?p=107102"},"modified":"2022-09-21T10:34:12","modified_gmt":"2022-09-21T10:34:12","slug":"naya-pakistan-certificates","status":"publish","type":"post","link":"https:\/\/www.zameen.com\/blog\/naya-pakistan-certificates.html","title":{"rendered":"Your Complete Guide to Investing in Naya Pakistan Certificates"},"content":{"rendered":"\n<p><strong>IN THIS POST<\/strong><br>&#8211; <a href=\"#About\">About Naya Pakistan Certificates<\/a><br>&#8211; <a href=\"#Invest\">Who Can Invest <\/a><br>&#8211; <a href=\"#Features\">Features<\/a><br>&#8211; <a href=\"#Islamic\">INPC<\/a><br>&#8211; <a href=\"#How\">How to Invest<\/a><br>&#8211; <a href=\"#FAQs\">FAQs <\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Latest Updates<\/h2>\n\n\n\n<p><strong>Update (September 21, 2022)<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">State Bank of Pakistan Increases Profit Rate on Naya Pakistan Certificates<\/h3>\n\n\n\n<p>In a bid to encourage investment from the overseas community and raise more funds, the State Bank of Pakistan has increased the profit rate on rupee-denominated Naya Pakistan Certificates (NPC), according to the reports published by the leading dailies.&nbsp;<\/p>\n\n\n\n<p>The revised rates will apply to all certificates invested through Roshan Digital Account.<\/p>\n\n\n\n<p>Here are the latest return rates for NPC as approved by the central bank:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>For 3-month NPC, the rate is increased by 5.50% to 15%<\/li><li>For 6-month NPC, the rate is increased by 5.25% at 15.25%<\/li><li>For 12-months NPCs, the rate is increased by 5% to 15.50%<\/li><li>For the 3-year NPCs, the rate is increased by 3.25% to 14%<\/li><li>For the 5-year NPCs, the rate is increased by 2.50% to 13.50%<\/li><\/ul>\n\n\n\n<p>The change in the policy rate was announced following the growing pressure of the dollar against the rupee.<\/p>\n\n\n\n<p><strong>Update (May 4, 2021)<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Roshan Digital Accounts Receive Inflow of $1 Billion<\/h3>\n\n\n\n<p>Roshan Digital Accounts (RDAs) received an inflow of $1bn, in over seven months, mostly via Naya Pakistan Certificates (NPCs). More than 100 countries have participated to open accounts, so far. Out of $1bn, NPCs attracted $645 million.<\/p>\n\n\n\n<hr class=\"wp-block-separator\" \/>\n\n\n\n<p>Following the success of <a rel=\"noreferrer noopener\" href=\"https:\/\/www.zameen.com\/blog\/roshan-digital-accounts-overseas-pakistanis.html\" target=\"_blank\">Roshan Digital Accounts<\/a>, the Government of Pakistan has introduced yet another attractive investment avenue for overseas Pakistanis. Naya Pakistan Certificates, also referred to as NPC, are saving US Dollars and Pakistani Rupee-denominated sovereign instruments offering profitable and risk-free returns over different maturities.<\/p>\n\n\n\n<p>Here is everything you need to know about NPC, including its features, rates of return, frequently asked questions, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"About\"><strong>What are Naya Pakistan Certificates?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017-1024x640.jpg\" alt=\"Naya Pakistan Certificates for overseas Pakistanis\" class=\"wp-image-107105\" srcset=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017-1024x640.jpg 1024w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017-300x188.jpg 300w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017-768x480.jpg 768w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017-640x400.jpg 640w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017-368x230.jpg 368w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-017.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>You can invest in Naya Pakistan Certificates through Roshan Digital Accounts (Credits: SBP)<\/figcaption><\/figure>\n\n\n\n<p>Naya Pakistan Certificate is a fixed income saving certificate digitally issued by the Government of Pakistan. It can only be purchased through Roshan Digital Account for overseas Pakistanis. Presently, eligible resident and non-resident Pakistanis can avail this lucrative and secure investment opportunity through selected banks.<\/p>\n\n\n\n<p>Administered by the State Bank of Pakistan, it is sovereign security available in both Shariah-compliant and conventional versions. Moreover, NPC is available in 3-month, 6-month, 12-month, 3-year and 5-year maturities. Also, as mentioned above, it is denominated in both US Dollars and Pakistani Rupees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Invest\"><strong>Who Can Invest in Naya Pakistan Certificates?<\/strong><\/h2>\n\n\n\n<p>These certificates can be purchased by:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Non-Resident Pakistanis<\/li><li>Resident Pakistanis with declared foreign assets&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Features\"><strong>Features of Naya Pakistan Certificates<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036-1024x640.jpg\" alt=\"Naya Pakistan Certificate details\" class=\"wp-image-107106\" srcset=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036-1024x640.jpg 1024w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036-300x188.jpg 300w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036-768x480.jpg 768w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036-640x400.jpg 640w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036-368x230.jpg 368w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-036.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Naya Pakistan Certificates provide overseas Pakistanis with a safe and secure investment avenue <\/figcaption><\/figure>\n\n\n\n<p>These are the key features of Naya Pakistan Certificates for Roshan Digital Account holders.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Different Maturities<\/strong><\/h3>\n\n\n\n<p>NPCs are available in different maturities and carry varying profit rates as mentioned below<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tenor<\/strong><\/td><td><strong>USD-Denominated NPC<\/strong><\/td><td><strong>PKR-Denominated NPC<\/strong><\/td><\/tr><tr><td>3-month tenor<\/td><td>5.5% per annum<\/td><td>9.5% per annum<\/td><\/tr><tr><td>6-month tenor<\/td><td>6 % per annum<\/td><td>10% per annum<\/td><\/tr><tr><td>12-month tenor<\/td><td>6.5% per annum<\/td><td>10.5% per annum<\/td><\/tr><tr><td>3-year tenor<\/td><td>6.75% per annum<\/td><td>10.75% per annum<\/td><\/tr><tr><td>5-year tenor<\/td><td>7% per annum<\/td><td>11% per annum<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>It is important to note that the profit on 3-month, 6-month and 12-month certificates will only be payable to the investors on maturity. However, the profit on 3-year and 5-year tenor certificates will be payable on a semi-annual basis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>No Tax Returns<\/strong><\/h3>\n\n\n\n<p>Non-resident Pakistanis won\u2019t be required to file tax returns on the income earned from NPCs. The profit will only be subject to a 10% withholding tax.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Shariah Compliance<\/strong><\/h3>\n\n\n\n<p>The government has issued both conventional and Shariah-compliant Naya Pakistan Certificates for overseas Pakistanis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Fully Repatriable&nbsp;<\/strong><\/h3>\n\n\n\n<p>Naya Pakistan Certificates are fully repatriable, which means you don\u2019t require any approvals for remitting funds abroad. Early encashment of these certificates is also allowed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Islamic\"><strong>About Islamic Naya Pakistan Certificates<\/strong> (INPC)<\/h2>\n\n\n\n<p>Here are the Shariah-compliant Naya Pakistan Certificates details.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The Islamic Naya Pakistan Certificates are based on a Mudaraba structure. Under this model, the investors put their money in the Mudaraba pool, which then extends financing to the federal government<\/li><li>The investment in INPC is paid from the profits earned by this Mudaraba pool<\/li><li>The Government of Pakistan has created INPC Company Limited (INPCCL) for this purpose<\/li><li>INPCCL is owned by the federal government while it is housed and managed by the State Bank of Pakistan&nbsp;<\/li><li>Separate Mudaraba pools are maintained for USD and PKR-denominated INPC<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"How\"><strong>How to Invest in Naya Pakistan Certificates<\/strong><\/h2>\n\n\n\n<p>Let\u2019s take a look at how you can avail this incredible investment opportunity offered by the Government of Pakistan.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 1: Open a Roshan Digital Account<\/strong><\/h3>\n\n\n\n<p>Select a partner bank and visit their official website to open a Roshan Digital Account. While overseas Pakistanis have the facility to open their accounts remotely through a secure digital channel, non-resident Pakistanis with declared assets abroad will have to visit their chosen bank branch.<\/p>\n\n\n\n<p>To learn about the types of Roshan Digital Accounts and the required documents, please refer to our comprehensive list of <a href=\"https:\/\/www.zameen.com\/blog\/faqs-rosha\" target=\"_blank\" rel=\"noreferrer noopener\">FAQs about Roshan Digital Accounts<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 2: Transfer Funds<\/strong><\/h3>\n\n\n\n<p>Once you have opened your Roshan Digital Account, you can easily remit funds through normal banking channels. The funds in this account can then be used to invest in Naya Pakistan Certificates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 3: Select the Naya Pakistan Certificate<\/strong><\/h3>\n\n\n\n<p>Select the currency, tenor, type of certificate and the amount you plan on investing. You can buy PKR-denominated NPC through PKR Roshan Digital Account, whereas the USD-denominated certificates have to be purchased from foreign-currency Roshan Digital Account at the exchange rate prevailing at the time of transaction.&nbsp;<\/p>\n\n\n\n<p>You can digitally subscribe to NPC using the bank\u2019s online portal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"FAQs\"><strong>FAQs about Naya Pakistan Certificates<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027-1024x640.jpg\" alt=\"FAQs about Naya Pakistan Certificate\" class=\"wp-image-107107\" srcset=\"https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027-1024x640.jpg 1024w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027-300x188.jpg 300w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027-768x480.jpg 768w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027-640x400.jpg 640w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027-368x230.jpg 368w, https:\/\/cdn-blog.zameen.com\/blog\/wp-content\/uploads\/2021\/03\/Blog-Body-027.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>You can subscribe to these saving certificates digitally <\/figcaption><\/figure>\n\n\n\n<p>These are some of the most frequently asked questions about Naya Pakistan Certificates.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Is there a minimum and maximum investment limit for Naya Pakistan Certificates?<\/strong><\/h3>\n\n\n\n<p>For USD-denominated certificates, the minimum investment amount is USD 5,000 with integral multiples of USD 1000. On the other hand, the minimum investment amount for PKR-denominated certificates is PKR 100,000 with Integral multiples of PKR 10,000.<\/p>\n\n\n\n<p>There is no maximum investment limit for these saving certificates.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Which banks are offering investment in Naya Pakistan Certificates?<\/strong><\/h3>\n\n\n\n<p>The following banks are presently offering NPCs:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Habib Bank Limited<\/li><li>Muslim Commercial Bank Limited<\/li><li>United Bank Limited<\/li><li>Meezan Bank Limited<\/li><li>Bank Al-Falah Limited<\/li><li>Faysal Bank Limited<\/li><li>Samba Bank Limited<\/li><li>Standard Chartered Bank (Pakistan) Limited<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Are Naya Pakistan Certificates subject to zakat deduction?<\/strong><\/h3>\n\n\n\n<p>No, these certificates are exempt from zakat deduction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Are Naya Pakistan Certificates transferable?<\/strong><\/h3>\n\n\n\n<p>No, these certificates are non-transferable unless required by law.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do investors need to visit Pakistan for the encashment of NPC?<\/strong><\/h3>\n\n\n\n<p>No, the investors can both invest and redeem the certificates electronically through the web portals of the respective bank.<\/p>\n\n\n\n<p>This brings an end to our guide on how to invest in Naya Pakistan Certificates. For more details and information, please refer to the aforementioned banks or visit the official site of the State Bank of Pakistan.<\/p>\n\n\n\n<p>You can also get in touch with us by emailing us at <a rel=\"noreferrer noopener\" href=\"mailto:blog@zameen.com\" target=\"_blank\">blog@zameen.com<\/a>. To learn about the latest government initiatives such as the <a rel=\"noreferrer noopener\" href=\"https:\/\/www.zameen.com\/blog\/ehsaas-kafaalat-programme-pakistan.html\" target=\"_blank\">Ehsaas Kafalat Programme<\/a> and <a rel=\"noreferrer noopener\" href=\"https:\/\/www.zameen.com\/blog\/kamyab-jawan-programme-pakistan.html\" target=\"_blank\">Kamyab Jawan Programme<\/a>, please stay tuned to Zameen Blog \u2013 the <a rel=\"noreferrer noopener\" href=\"https:\/\/www.zameen.com\/blog\/\" target=\"_blank\">best lifestyle and property blog in Pakistan<\/a>.<\/p>\n\n\n\n<p>Moreover, don\u2019t forget to visit and like our <a rel=\"noreferrer noopener\" href=\"https:\/\/www.facebook.com\/ZameenPK\" target=\"_blank\">Facebook page<\/a> to receive the latest updates about the real estate developments in your city.\u00a0<\/p>\n\n\n\n<p><strong><em>Disclaimer<\/em><\/strong><em>: The information mentioned above has been extracted from the website of the State Bank of Pakistan and is therefore subject to change.&nbsp;<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Update: In a bid to encourage investment and raise more funds, the State Bank of Pakistan has increased the profit rate on Naya Pakistan Certificates.<\/p>\n","protected":false},"author":81,"featured_media":107108,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11053],"tags":[38852,82002,76573,81998,81999,19524,82001,81857,81997,76582,76564,76581,82000],"persona":[38544,32417,32414],"class_list":{"0":"post-107102","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-laws-taxes","8":"tag-banking","9":"tag-features-of-naya-pakistan-certificates","10":"tag-features-of-roshan-digital-account","11":"tag-invest-in-naya-pakistan-certificates","12":"tag-islamic-naya-pakistan-certificate","13":"tag-laws-and-taxes","14":"tag-naya-pakistan-certificate-details","15":"tag-naya-pakistan-certificates","16":"tag-naya-pakistan-certificates-for-overseas-pakistanis","17":"tag-roshan-digital-account-for-non-resident-pakistanis","18":"tag-roshan-digital-accounts","19":"tag-roshan-digital-accounts-for-overseas-pakistanis","20":"tag-sharia-compliant-naya-pakistan-certificate","21":"persona-banking-and-finance","22":"persona-expats","23":"persona-laws","24":"cat-11053-id"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Naya Pakistan Certificates: Features, Eligibility &amp; More | Zameen Blog<\/title>\n<meta name=\"description\" content=\"Offering risk-free returns, Naya Pakistan Certificates are sovereign instruments issued by the government for overseas and resident Pakistanis.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zameen.com\/blog\/naya-pakistan-certificates.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPDATE: State Bank of Pakistan Increases Profit Rate on Naya Pakistan Certificates\" \/>\n<meta property=\"og:description\" content=\"Offering risk-free returns, Naya Pakistan Certificates are sovereign instruments issued by the government for 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