- The NPCs are available in five maturities, namely, 3-month, 6-month, 12-month, 3-year and 5-year,
- The profit on 3-month, 6-month and 12-month NPCs shall be payable on maturity, whereas the profit on 3-year and 5-year shall be payable to the investors on semi-annual basis.
- Repatriable in total with ease and a quick processing
- Zakat exempted
- Availability of Premature encashment option
- Financing Facilities against Naya Pakistan Certificates pledged as a security.
- High returns of up to 21.50% on your investments in multiple currency denominated certificate
Rate of Returns:
The amount of Investment in USD, PKR, GBP and Euro denominated certificate is as under:
| Currency | Minimum Investment | Rate of return (Gross annual return before tax) | ||||
| 3-Month | 6-Month | 12-Month | 3-Year | 5-Year | ||
| USD | 1,000 with integral multiples of 500 | 8.25% | 8.50% | 9.00% | 8.00% | 8.00% |
| PKR | 10,000 with integral multiples of 1,000 | 21.00% | 21.25% | 21.50% | 17.50% | 15.00% |
| GBP | 1,000 with integral multiples of 500 | 7.25% | 7.50% | 8.00% | 7.50% | 7.50% |
| Euro | 1,000 with integral multiples of 500 | 6.25% | 6.50% | 7.00% | 6.50% | 6.50% |
*The aforesaid revisions shall be in force from 1st September, 2023.
Weightages:
The amount of Investment in USD, PKR, GBP and Euro denominated certificate is as under:
| Currency | Minimum Investment | Expected rate of return | ||||
| 3-Month | 6-Month | 12-Month | 3-Year | 5-Year | ||
| USD | 1,000 with integral multiples of 500 |
8.25% | 8.50% | 9.00% | 8.00% | 8.00% |
| PKR | 10,000 with integral multiples of 1,000 |
21.00% | 21.25% | 21.50% | 17.50% | 15.00% |
| GBP | 1,000 with integral multiples of 500 |
7.25% | 7.50% | 8.00% | 7.50% | 7.50% |
| Euro | 1,000 with integral multiples of 500 |
6.25% | 6.50% | 7.00% | 6.50% | 6.50% |
RDA Account holders
- Non-Resident Pakistanis
- Resident Pakistanis (With Declared assets abroad)
How to Apply:
- To apply in NPC Investment via ABL’s Roshan Digital Account please visit:
Q1. What is Naya Pakistan Certificate investment?
It’s a high interest yielding certificate issued by Government of Pakistan to Foreign Currency Value Account holder (FCVA) and Pakistani Rupee Value account holder (NRVA).
Q2. How can I have my profit?
Profit along with principal repayment shall be disbursed directly to the customers’ own RDA account.
Q3. Can I transfer the ownership of my certificates?
The Certificates are non-transferrable except advised by relevant laws.
Q4. Does ABL issue Naya Pakistan Certificates (NPC) to the customer?
No. The Government of Pakistan is the issuer and State Bank of Pakistan is the main custodian of Naya Pakistan Certificates.
(For further information on Naya Pakistan Certificates from State Bank of Pakistan, please visit) https://www.sbp.org.pk/NPC-/FAQs.html
“For Suggestions and Queries, please write to us at [email protected]”
“For complaints, please write to us at ([email protected]) or ([email protected])”