Roshan Digital Account Return Calculator
Estimate Naya Pakistan Certificate returns via Roshan Digital Account: maturity value, profit and 10% tax in USD, PKR, GBP or EUR. Editable rates.
About the Roshan Digital Account Return Calculator
Roshan Digital Account (RDA) lets overseas Pakistanis invest in Naya Pakistan Certificates (NPCs) — government-backed instruments available in USD, PKR, GBP and EUR across tenures from 3 months to 5 years. This calculator estimates your return: enter the investment amount, pick the tenure, and adjust the profit rate to the current SBP announcement.
The calculation mirrors how NPC returns actually work: profit is quoted as simple (non-compounded) per-annum rates, and a 10% withholding tax on profit is deducted at source — this is full and final for RDA holders, meaning no further tax filing obligation in Pakistan on this income. You see gross profit, tax, net profit, the maturity value and the net annualized yield.
The pre-filled rates are indicative placeholders only. The State Bank of Pakistan revises NPC rates periodically — sometimes sharply, tracking policy rates — and conventional and Islamic (Shariah-compliant) variants can differ. Always confirm the current rate sheet on the SBP or your bank's RDA page, then type the exact rate here.
How to Use the Roshan Digital Account Return Calculator
- 1Choose the certificate currency (USD, PKR, GBP or EUR) and tenure.
- 2Enter your investment amount.
- 3Update the profit rate to the current SBP-published rate for that tenure.
- 4Review maturity value, net profit after the 10% tax, and annualized yield.
Frequently Asked Questions
What is a Roshan Digital Account?
RDA is a State Bank of Pakistan initiative (launched 2020) that lets non-resident Pakistanis open a Pakistani bank account fully online and invest in Naya Pakistan Certificates, stocks (PSX), and property — with funds freely repatriable abroad.
How is NPC profit taxed?
A flat 10% withholding tax is deducted from the profit at source, and for RDA holders it is full and final — no return filing required in Pakistan for this income. This calculator deducts it automatically. Your tax residence country may have its own rules.
Is NPC profit compounded?
No — NPC rates are simple per-annum profit rates. Shorter certificates pay at maturity; longer tenures pay profit periodically. This calculator uses simple profit, matching how the certificates are quoted.
Can I withdraw before maturity?
Yes, NPCs can be encashed early, but the profit is recalculated at the lower rate of the nearest completed tenure, and very early encashment may earn no profit. Check the schedule with your bank before breaking a certificate.
Why are the pre-filled rates different from what my bank shows?
SBP revises NPC rates periodically and this tool cannot fetch live rates — the defaults are indicative only. Type the exact rate from the current SBP/bank rate sheet; the calculation itself is then precise.
USD or PKR certificates — which is better?
PKR certificates pay higher nominal rates but carry rupee depreciation risk; USD certificates pay less but keep your capital in dollars. The right choice depends on where you'll spend the money and your view on the exchange rate — many investors split between both.