The State Bank of Pakistan has expanded the scope of its Roshan Digital Account initiative, allowing foreign nationals, companies, and institutional investors to open accounts and invest in Pakistan’s financial instruments. The move, announced by the finance ministry, broadens access beyond non resident Pakistanis and reflects ongoing efforts to integrate the country more closely with global financial markets while strengthening its digital banking ecosystem.
Under the revised framework, eligible participants can open Roshan Digital Accounts remotely and invest in government securities as well as Naya Pakistan Certificates, which offer competitive returns. The initiative, originally launched in 2020 in collaboration with commercial banks, was designed to provide overseas Pakistanis with a seamless digital banking experience. With this expansion, the platform is now positioned to serve a wider international audience, enabling global investors to access Pakistan’s financial markets through a secure and transparent system.
Officials noted that the decision aligns with broader economic objectives aimed at attracting foreign investment and enhancing financial inclusion. By opening the platform to international investors, the government is seeking to deepen capital markets and improve liquidity while offering new investment opportunities. The development also comes at a time when Pakistan is focusing on strengthening its external account and building foreign exchange reserves through diversified inflows.
The Roshan Digital Account initiative has recorded significant growth since its launch, with more than 900,000 accounts opened and inflows exceeding 12 billion dollars as of early 2026. Remittances have remained a key pillar of the economy, reaching over 38 billion dollars in fiscal year 2025 and projected to rise further. Policymakers view the expansion of the RDA framework as a step toward leveraging digital financial infrastructure to support economic stability and attract sustained international participation in Pakistan’s financial sector.
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