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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →Pakistan has expanded its Roshan Digital Account (RDA) framework to cover qualifying non-resident individuals and entities, including foreign companies and institutional investors. The government’s March 16, 2026 announcement names Government securities and Naya Pakistan Certificates (NPCs) as investment options. The State Bank of Pakistan (SBP) set out the implementing eligibility change in a circular dated March 24, 2026, effective immediately.
What changed, and when?
The Government of Pakistan announced the expansion on March 16, 2026, presenting RDAs as a way for foreign nationals, companies and institutional investors to invest in Government securities and NPCs. The SBP followed with BPRD Circular Letter No. 09 of 2026 on March 24. That circular amended the Consolidated Customer Onboarding Framework and made the change effective immediately.
The announcement and circular serve different purposes: the government release describes the policy and named investment avenues; the SBP circular establishes the applicable regulatory eligibility. The circular also says the account-opening process for non-resident Pakistanis and Pakistan Origin Card (POC) holders did not change.
Who is eligible to open an account?
The circular extends the framework to natural and juridical persons who qualify as non-residents under Pakistan’s Income Tax Ordinance, 2001. A juridical person may include a company or other legal entity incorporated or registered outside Pakistan. Eligibility therefore depends on the legal non-resident test, not simply on whether someone holds a foreign nationality.
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A foreign individual or organization should confirm its status under the Ordinance and with a participating bank before applying. “Foreign investor” is a useful description of the expansion, but it is not a substitute for the legal eligibility test or the bank’s customer checks. The circular is addressed to SBP-regulated entities; RDAs are offered through designated banks in Pakistan.
What can a newly eligible foreign investor buy?
The government announcement specifically names Government securities and Naya Pakistan Certificates for the newly covered foreign individuals, companies and institutional investors. It does not provide a complete operating guide for each type of account holder or confirm every product route available to them.
SBP’s general RDA materials describe a wider set of historic account functions and investments. Its FAQ lists Pakistani-rupee government debt securities, listed shares, open-ended mutual funds, residential and commercial property, and bank deposits under NRVA; for FCVA it lists foreign-currency government debt securities, including USD, GBP and EUR NPCs, and foreign-currency bank deposits. However, these FAQ sections and SBP’s Roshan Equity Investment instructions are framed primarily around non-resident Pakistanis and POC holders. They should not be read as confirmation that every listed investment is available to every newly eligible foreign person or company.
Ask the bank to confirm the account type, currency and investment products enabled for your particular customer category. The government’s announcement is the clearest confirmation of the new offer’s named investment avenues.
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How to check eligibility and apply
Application procedures depend on customer type, legal form and the bank’s due diligence. SBP’s onboarding framework says applicable constituent documents should be obtained for non-resident entities. Its general RDA FAQ says individual applicants may be asked for identity documents, proof of non-resident status, profession details and information about the source of income or funds; a bank may request additional documents.
- Confirm your status. Check whether you meet the Income Tax Ordinance’s non-resident-person definition. For an entity, confirm that its legal form and overseas registration satisfy the applicable requirements.
- Contact a designated bank. Ask whether it onboards your specific non-resident category and, for an organization, your legal form.
- Confirm the account and product route. Ask which individual, entity, FCVA, NRVA or other applicable account type is available, and which Government securities or NPCs can be accessed through it.
- Request the document and cost details. Get the current list of required documents and verifications, supported currencies, fees and exchange-rate disclosures from the bank.
- Clarify transfers and support. Ask how funding, local payments, repatriation and customer service work for your account category before submitting an application.
For a practical bank comparison, check eligibility for your customer category, entity-document requirements, account and currency support, access to the named investments, transfer procedures, fees and exchange-rate disclosures, and support for foreign applicants. Availability and terms should be confirmed directly with each bank.
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Funding, payments and repatriation
SBP’s general FAQ says RDAs are funded through remittances received from abroad through banking channels. It restricts credits from local sources except specified investment returns and disinvestment or maturity proceeds. The FAQ also describes use of RDA funds for legitimate local payments and transfers and says funds may be remitted from Pakistan without prior bank or SBP approval, subject to account rules. It notes a timing limitation for capital gains from certain property disinvestments.
SBP’s overview describes remote account opening and operation through designated banks and the scheme’s full repatriability of funds and investment profits, subject to its rules. These materials describe the general RDA framework; a new applicant should have the bank explain how the provisions apply to the account type being opened.
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Do existing RDA tax rules apply to foreign investors?
Do not assume that tax treatment described for non-resident Pakistanis applies unchanged to foreign individuals or entities newly covered by the expansion. SBP’s FAQ describes a simplified tax regime for non-resident Pakistanis with RDAs and lists treatment for deposits, NPCs, shares and mutual funds, and property. For example, it states a 10 percent final tax on NPC profit within the NRP regime it describes. The reviewed materials do not establish that all of those NRP-specific provisions apply identically to every newly eligible foreign account holder.
Confirm the tax treatment for your residence and legal status, account and investment instrument with a qualified tax adviser and the relevant bank.
What the announcement’s figures do—and do not—show
The government’s March 16 release reported more than 900,000 RDA accounts and total inflows exceeding $12 billion as of the end of February 2026. It did not define in that passage whether “accounts” means unique customers, so the figure should not be treated as a customer count.
The release also cited more than $38.3 billion in remittances in fiscal year 2025, a 26.6 percent increase from the previous year, and projected $42 billion in remittances for fiscal year 2026. Those are economy-wide remittance figures, not RDA-only inflows; the $42 billion figure is a projection, not a reported result. Finance Minister Muhammad Aurangzeb described the policy with the statement, “Pakistan is open for investment.”
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