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	(%)	Life Expectancy at Birth	Expected Years of Schooling	Mean Years of Schooling	Gross National Income (GNI) per capita (2011 PPP $)	Multi-dimensional Poverty Index
		-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
Countries	Population below National Poverty lines (%)	$ 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

Pakistan & Gulf Economist Pakistan's Business Financial Magazine

Roshan Digital Account (Facts & Figures)