Naya Pakistan Certificates 2026
Naya Pakistan Certificates 2026. The State Bank of Pakistan has taken another important step to support overseas Pakistanis who want to invest back home. In a recent circular, the central bank announced that Naya Pakistan Certificates will now be available in two new currencies, the Saudi Riyal and the UAE Dirham. This update is part of a broader effort to make investing in Pakistan easier and more convenient for the millions of Pakistanis living and working in the Gulf region.
What Are Naya Pakistan Certificates?
Naya Pakistan Certificates were launched in 2020 as part of the Roshan Digital Account framework. Since their introduction, they have quickly become one of the most popular and trusted investment tools for overseas Pakistanis. These certificates allow people living abroad to invest in Pakistan digitally, without the need to visit a bank in person. The scheme was designed to bring more foreign investment into the country while giving overseas Pakistanis a safe and profitable way to grow their savings.
Why SAR and AED Have Been Added
The Finance Division of Pakistan has officially approved the addition of the Saudi Arabian Riyal and the UAE Dirham to the list of accepted currencies for Naya Pakistan Certificates 2026. This decision makes a lot of sense when you consider that a very large number of Pakistanis live and work in Saudi Arabia and the United Arab Emirates. These two countries are among the biggest sources of remittances sent to Pakistan every year. By allowing investments directly in SAR and AED, the government is removing the extra step of currency conversion and making the process much more straightforward for Gulf-based investors.
Return Rates on SAR and AED Investments
Under the updated structure for Naya Pakistan Certificates 2026, both SAR and AED investments offer the same profit rates. Investors will earn 6.50 percent on three-month certificates and 6.75 percent on six-month certificates. For one-year certificates, the return stands at 7 percent. Those who prefer longer investment periods will receive 7.25 percent on three-year certificates and 7.50 percent on five-year certificates. It is worth noting that these returns are slightly lower than what is offered on US dollar investments, but they remain competitive and attractive for Gulf-based investors.
Full Return Structure Across All Currencies
To give a clearer picture, here is how Naya Pakistan Certificates 2026 compare across all available currencies.
For US dollar investments, the profit rates are 6.75 percent for three months, 7 percent for six months, and 7.25 percent for one year. The three-year and five-year returns are set at 7.50 percent and 7.75 percent, respectively.
The highest returns continue to be offered on Pakistani Rupee certificates. Rupee investors will receive 11.75 percent for three months, 12 percent for six months, and 12.25 percent for one year. The three-year and five-year tenors offer 12.50 percent and 12.75 percent, respectively, making rupee certificates the most rewarding option for those comfortable with local currency investment.
On the other end of the scale, euro-denominated certificates offer the lowest returns. Euro investors receive 4.75 percent for three months, 5.25 percent for six months, and 5.50 percent for twelve months.
Roshan Digital Accounts: A Growing Success
The numbers behind Roshan Digital Accounts tell a very positive story. Since their launch, total inflows have reached an impressive $12.744 billion. More than 62 percent of this entire amount has been invested specifically in Naya Pakistan Certificates, which shows just how much trust overseas Pakistanis have placed in this instrument. Out of the total inflows, around $8.15 billion has already been put to use within Pakistan, while the net repatriable liability currently stands at just $2.44 billion.
A Stronger Connection With the Gulf Diaspora
The addition of SAR and AED to Naya Pakistan Certificates 2026 is more than just a financial update. It is a clear message from the Pakistani government that it values the contribution of its overseas community, especially those in the Gulf. By making investment simpler, faster, and currency-friendly, Pakistan is building a stronger financial bridge with its diaspora.
If you are an overseas Pakistani living in Saudi Arabia or the UAE, now is a great time to explore how Naya Pakistan Certificates 2026 can help you invest in your home country with ease and confidence. Visit your bank or the State Bank of Pakistan’s official platform to get started today.
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