State Bank of Pakistan (SBP), in collaboration with all stakeholders, has always endeavored to maximize the value proposition of Roshan Digital Account (RDA) by offering a wide array of products and services to RDA holders. In order to facilitate Non-Resident Pakistanis (NRPs) to avail a regular income stream after their retirement, SBP, in collaboration with the RDA banks, has started to offer another investment option in the form of Roshan Pension Plan, based on Voluntary Pension Scheme (VPS).

What are Voluntary Pension Schemes?
• VPS is a very flexible savings cum investment plan
• It facilitates individuals to save systematically, during service, for their retirement
• The savings are topped with investment returns (compounding of profit)
• Desired investment exposure is assigned to high yielding assets
• After reaching retirement age, the individual can receive monthly income from their accumulated investments or withdraw a lump sum amount

The objective of this offering is to build on our existing relationship and further strengthen our strategic bond with RDA holders by offering them customized solutions to have long term savings, protect them from life and health risks at all levels.

In order to cater to the expectations of our Pakistani diaspora and to develop a seamless user experience, SBP extensively collaborated with RDA banks and the VPS funds to develop portals for Roshan Pension Plan. Special considerations were given to ensure that the services offered through Roshan Pension Plan are completely digital, where the customer can invest, disinvest and see their investment profile in a few clicks. For the purpose, SBP team actively engaged with all the relevant stakeholders and individually reviewed the portals for each bank before deployment and making it available for customers to ensure that these portals meet the diaspora’s needs and expectations. The product will also help our NRPs to develop an asset in Pakistan that will ensure their continuous connections with the motherland.

Roshan Pension Plan offers a wide variety of sub funds to choose from i.e. equity based, debt based, money market based and hybrid of these funds. The customers can choose from any of these fund offerings according to their long term return outlook. The customers can also choose from a wide allocation schemes like lower volatility, low volatility and medium volatility that meets the customer’s risk profile. In addition, these schemes offer value added services like insurance/takaful protection to the customers in case of unforeseen circumstances like accident, disability, natural or accidental death, etc. and tax benefits as per the applicable laws of Pakistan.

These features have been engrossed into the Roshan Pension Plan that will not only add value to the existing array of products and services offered to the RDA customers but also enhance the user experience, attracting more NRPs to the RDA umbrella. As part of its commitment to the valued NRPs, SBP will continue to endeavor to enhance the product offering in RDA as the diaspora’s banking needs and expectations.


Roshan Trends
Number of Accounts Opened (Cumulative)
Fund Received (Cumulative in USD Million)
Naya Pakistan Certificates (Cumulative in USD Million)
Use of Funds
Governor SBP Mr. Jameel Ahmad says that all debt repayments are on track and country's foreign exchange reserves are expected to rise in second half of fiscal year. Watch more in this exclusive podcast.

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Roshan Spotlight

HBL, in collaboration with Pakistani Consulate in London, hosted a Roshan Digital Account (RDA) event at the Pakistani Consulate in London, UK on November 01, 2022. The event was in continuation with the ongoing efforts to create awareness and promote RDA initiative. The event was chaired by His Excellency Moazzam Ali Khan, High Commissioner of Pakistan to the United Kingdom of Great Britain and Northern Ireland, who spoke about the importance of the initiative for the overseas Pakistanis and the economic contributions of the Pakistani diaspora in the progress and prosperity of their homeland. Representing HBL, Head of Retail Products Syed Mohsin Ali Shah briefed the audience about investment opportunities in Pakistan and the importance of RDA in the overall economy of Pakistan.
Roshan Gallery
RDA team of JS Bank during an interactive session with Ambassador of Pakistan in UAE Mr. Faisal Niaz Tirmizi to promote RDA and its affiliated products.
Pakistan’s Ambassador to the Netherlands H.E. Suljuk Mustansar Tarar during a webinar on RDA hosted by the Bank of Punjab.

Please share your questions or feedback related to the Roshan Digital Accounts initiative with SBP at

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