Investment and funds received through Roshan Digital Accounts (RDAs) have reached around $13.9 billion, highlighting continued participation by overseas Pakistanis in Pakistan’s formal banking and investment system.
The latest data released by the State Bank of Pakistan (SBP) shows that cumulative funds received through RDAs stood at $13.647 billion by July 2026, while the number of accounts opened reached 956,790.
The milestone reflects the growing role of digital banking channels in connecting non-resident Pakistanis with the country’s financial system without requiring them to visit a bank branch in Pakistan.
Table of Contents
Key Takeaways
- Cumulative funds received: Around $13.9 billion
- Official SBP figure through July 2026: $13.647 billion
- RDA accounts opened: 956,790
- Latest reported month: July 2026
- Main users: Overseas Pakistanis and eligible non-resident persons
- Key investment avenues: Naya Pakistan Certificates, equities and other approved products
What Are Roshan Digital Accounts?
Roshan Digital Accounts are a digital banking initiative launched by the State Bank of Pakistan in collaboration with commercial banks.
The accounts allow overseas Pakistanis to open and operate bank accounts remotely from abroad. Account holders can send funds to Pakistan, make payments, invest in government securities and access approved banking and investment services through digital channels.
The initiative is designed to provide a convenient and transparent channel for overseas Pakistanis to participate in Pakistan’s economy while maintaining access to repatriable funds.
Investment Options Available Through RDAs
Overseas Pakistanis can use their Roshan Digital Accounts for several investment and financial activities, including:
- Naya Pakistan Certificates
- Conventional and Shariah-compliant government securities
- Roshan Equity Investment
- Roshan Pension Plan
- Roshan Apna Ghar
- Roshan Apni Car
- Approved payment and banking services
Naya Pakistan Certificates are available in multiple currencies, including US dollars, Pakistani rupees, euros, Saudi riyals, UAE dirhams and British pounds. They are offered in both conventional and Islamic versions.
Strong Participation by Overseas Pakistanis
The rising RDA inflows indicate that overseas Pakistanis continue to use formal banking channels to send money, invest and maintain financial links with Pakistan.
The account initiative has also helped improve access to Pakistan’s government-backed investment instruments and capital markets by removing the need for physical bank visits and simplifying account opening procedures.
According to SBP’s latest statistics, the number of RDA accounts increased from 946,201 in June 2026 to 956,790 in July 2026, showing continued growth in participation.
Why the RDA Milestone Matters
The growth in Roshan Digital Account funds is important for several reasons:
Supports Foreign Exchange Inflows
RDA inflows contribute to Pakistan’s foreign exchange resources and provide a formal channel for overseas funds entering the country.
Encourages Formal Banking
The initiative encourages overseas Pakistanis to use regulated banking channels instead of informal money-transfer systems.
Expands Investment Opportunities
RDAs provide access to government securities, equity investments and other approved financial products from abroad.
Strengthens Diaspora Engagement
The accounts allow overseas Pakistanis to maintain stronger economic and financial connections with Pakistan.
Digital Banking Without Visiting Pakistan
One of the major advantages of Roshan Digital Accounts is remote access. Eligible non-resident Pakistanis can open and operate accounts online through designated banks without visiting a Pakistani bank branch or embassy.
SBP has also expanded the eligibility framework to include certain non-resident individuals and foreign legal entities that meet the relevant requirements under Pakistan’s tax and banking regulations.
Outlook for Roshan Digital Accounts
With the number of accounts approaching one million and cumulative inflows continuing to rise, Roshan Digital Accounts are becoming an important part of Pakistan’s digital banking and overseas investment ecosystem.
The initiative is expected to remain a key channel for attracting diaspora savings, supporting foreign exchange inflows and expanding overseas access to Pakistan’s financial markets.
FAQs
What is a Roshan Digital Account?
A Roshan Digital Account is a digital bank account that allows overseas Pakistanis and eligible non-resident persons to access banking, payment and investment services in Pakistan remotely.
How much money has been received through RDAs?
SBP data shows that cumulative funds received through RDAs reached $13.647 billion by July 2026, while broader reports have referred to the figure as approximately $13.9 billion.
Can overseas Pakistanis invest through RDAs?
Yes. Account holders can invest in Naya Pakistan Certificates, equity markets and other approved investment products.
Can an RDA be opened from abroad?
Yes. The account opening and operation process is designed to be completed digitally without visiting Pakistan.
Are RDA funds repatriable?
Roshan Digital Accounts provide full repatriability of eligible funds and investment proceeds in accordance with applicable rules.
