Islamabad: The Roshan Digital Account (RDA) initiative has crossed a significant milestone, with the total number of accounts exceeding 805,000 and total deposits surpassing $10 billion by March 2025, according to the latest data released by the State Bank of Pakistan (SBP).
The RDA platform, which was launched in 2020 to facilitate overseas Pakistanis with digital access to banking, payment, and investment solutions in Pakistan, added 8,092 new accounts in March 2025 alone. During the same period, monthly inflows reached $235 million, reflecting continued confidence in the initiative from the Pakistani diaspora.
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As of March 2025, a total of 805,442 RDAs have been opened. Cumulative inflows into these accounts have reached $10.003 billion, marking a major achievement for the programme. Out of the total inflows, $6.368 billion has been utilised locally, while $1.733 billion has been repatriated abroad. The net repatriable liability currently stands at $1.901 billion.
The funds used within Pakistan have primarily gone towards transfers to non-repatriable accounts, cash withdrawals, bill and fee payments, merchant transactions, and mobile top-ups. These transactions are not considered repatriable liabilities, which has helped in maintaining a strong position on foreign exchange reserves.
Designed by the SBP in collaboration with commercial banks, the RDA enables Non-Resident Pakistanis (NRPs) and holders of Pakistan Origin Cards (POCs) to invest in government-backed instruments such as the Naya Pakistan Certificates (NPCs), the stock market, and mutual funds, as well as purchase property and donate to charitable causes—all from abroad.
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The programme is a key part of Pakistan’s strategy to integrate overseas Pakistanis into the country’s formal financial ecosystem. It also supports economic stability by boosting foreign currency reserves and encouraging long-term investment in the local economy.
With the RDA initiative continuing to gain momentum, authorities hope to sustain the upward trajectory of inflows and further enhance investor confidence through additional services and improved digital platforms.