Total inflows into Roshan Digital Accounts (RDA) reached $205 million during October 2025, bringing cumulative inflows to $11.313 billion since the program’s launch. According to data released by SBP, October’s figure marked a $9 million increase compared to the previous month’s inflows of $196 million, showing a steady revival of interest among overseas Pakistanis in digital banking and investment opportunities. The data also highlighted that the amount repatriated and locally utilized during the month was $170 million, resulting in a net increase of $35 million in the Net Repatriable Liability (NRL) of RDA. Of this, $25 million was repatriated while $145 million was utilized within Pakistan, underscoring a consistent engagement of non-resident investors with the domestic economy.
The cumulative figures present a detailed picture of RDA’s performance since inception. Total repatriation and local utilization have reached $9.166 billion, out of which $1.903 billion has been repatriated and $7.263 billion utilized domestically. This places the overall NRL at $2.148 billion, representing 18.99 percent of the total RDA inflows. A closer look at the composition of NRL shows that $499 million remains invested in Conventional Naya Pakistan Certificates (NPCs), $997 million in Islamic NPCs, $95 million in equity investments, $503 million in account balances, and $54 million categorized under other liabilities. These figures highlight the continued preference among overseas Pakistanis for structured, government-backed investment options that offer both returns and security.
During the ongoing financial year, total inflows into RDA stood at $750 million, up from $698 million during the corresponding period of the previous year. Similarly, repatriation and local utilization for the current financial year amounted to $593 million compared to $538 million last year. This reflects a gradual upward trend in inflows, utilization, and account activity, indicating renewed confidence in Pakistan’s financial stability. In October alone, 11,108 new accounts were opened, taking the total number of RDA accounts to 873,465. The data suggests that despite economic fluctuations, digital banking platforms continue to attract participation from Non-Resident Pakistanis (NRPs), who see value in seamless and transparent digital investment channels facilitated by Pakistani banks.
Historical data also provides important context to the current performance of RDA. The highest monthly inflow was recorded in June 2021 at $310 million, while the largest monthly repatriation and local utilization occurred in July 2022, when NRL declined by $330 million. Between mid-2022 and early 2023, RDA witnessed a sharp dip, with capital outflows nearing $150 million due to prevailing economic uncertainties and shifting policies. However, a steady recovery began in 2023, as inflows stabilized and investor confidence improved through 2024. This positive trend has extended into 2025, showcasing the resilience of the initiative and its evolving role in Pakistan’s economic framework.
RDA, launched by SBP in collaboration with commercial banks operating in Pakistan, continues to serve as a major financial innovation connecting overseas Pakistanis with the country’s banking system. The platform enables Non-Resident Pakistanis and Pakistan Origin Card holders to open accounts digitally, allowing them to perform banking, payment, and investment activities without physical presence. The process is entirely online, requiring only basic documents and information, with banks mandated to complete customer due diligence within 48 hours. The initiative not only simplifies cross-border financial engagement but also strengthens Pakistan’s digital banking ecosystem by facilitating safe, efficient, and fully compliant transactions for millions of Pakistanis living abroad.
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