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Roshan Digital Account (Facts & Figures)

Naya Pakistan Certificates
Naya Pakistan Certificates (NPCs) are sovereign instruments, denominated in USD and PKR, issued by Government of Pakistan for overseas Pakistanis. Resident Pakistanis who have declared assets abroad with FBR can also invest in USD-denominated NPCs. To do so, they can open a Roshan Digital Account in foreign currency by visiting a bank branch in Pakistan.
Special Certificates:Special USD and PKR denominated bills issued by MOF and administered by SBP Different Tenors:3, 6, 12 month; 3, 5 year
Early encashment allowed
Fully Repatriable:No approvals required for remitting funds abroad
Very attractive Risk-free returns:USD: 5.5, 6, 6.5%; 6.75, 7%
PKR: 9.5, 10, 10.5%; 10.75, 11% (annualized)
Simple Tax:No tax filing
10% withholding tax only
Sharia Compliance:Both Conventional and Sharia compliant certificates are available
Deposits By Categories In Pakistan
As on End Half Yearly Outstanding Position Held by the Banks
(Amount in Million Rs.)
Province / Region Categories Jun 18 Dec 18 Jun-19 R Dec-19 Jun-20
Overall Foreign Constituents 173,059.7 191,613.5 248,836.4 264,107.4 308,067.4
Govt 1,828,643.1 1,946,292.6 2,037,371.5 2,070,645.2 2,388,494.4
NFPSEs 766,980.2 742,721.9 892,933.7 1,034,577.2 1,106,046.4
NBFI’s 405,900.3 457,351.5 446,484.5 622,569.7 545,107.9
Private Sector (Business) 2,980,733.8 2,908,058.5 3,017,524.5 3,034,010.3 3,363,712.0
Trust Fund 380,916.3 376,626.6 408,707.2 382,135.2 398,842.8
Personal 6,047,649.2 6,500,027.1 6,914,964.4 7,208,121.3 8,064,407.1
Others 65,167.4 61,308.6 70,148.3 27,952.5 30,711.3
Total 12,649,049.9 13,184,000.4 14,036,970.5 14,644,118.8 16,205,389.5
Human Development Index In Pakistan
Country/ Region HDI Human Development Index (HDI) Average Annual HDI Growth Life Expectancy at Birth Expected Years of Schooling Mean Years of Schooling Gross National Income (GNI) per capita (2011 PPP $) Multi-dimensional Poverty Index
Rank Value (%)
-2018 [2010-2018] SDG-3 SDG-4.3 SDG-4.6 SDG-8.5 Headcount (%)
World 0.731 0.6 72.6 12.7 8.4 15,745 23.1
South Asia 0.642 1.18 69.7 11.8 6.5 6,794 31
Iran 65 0.797 0.68 76.5 14.7 10 18,166
Sri Lanka 71 0.78 0.49 76.8 14 11.1 11,611
China 85 0.758 0.95 76.7 13.9 7.9 16,127 4.5
India 129 0.647 1.34 69.4 12.3 6.5 6,829 27.9
Bangladesh 135 0.614 1.4 72.3 11.2 6.1 4,057 41.7
Pakistan 152 0.56 0.85 67.1 8.5 5.2 5,190 38.3
Regional Poverty Comparison
Countries Population below National Poverty lines (%) Population below Population below Population below
$ 1.90 a day (%) $ 3.20 a day (%) $ 5.50 a day (%)
Pakistan (2015) 24.3* 3.9 34.7 75.4
China (2016) 1.7** 0.5 5.4 23.9
Bangladesh (2016) 24.3 14.8 52.9 84.5
India (2011) 21.9 21.2 60.4 86.8
Sri Lanka (2016) 4.1 0.8 10.1 40.4
Iran (2017) 0.3 2.3 10.9

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