Naya Pakistan Certificate Profit Calculator
Overseas Pakistani? Compute exact profit on Naya Pakistan Certificates via Roshan Digital Account — all 6 currencies, all tenors, net of 10% tax.
Certificate Details
Rates per SBP notification (USD/GBP/EUR from 27 Mar 2026; PKR/SAR/AED from 5 Jun 2026). 10% withholding tax is final — no return filing needed in Pakistan.
Profit Rate (p.a.)
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Gross Profit
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Net Profit (after 10% tax)
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Maturity Value
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Tax Deducted
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Effective Net Yield
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All Tenors — USD
Frequently Asked Questions
Who can buy Naya Pakistan Certificates?
Non-resident Pakistanis, resident Pakistanis with declared foreign assets, and foreign nationals/entities — all through a Roshan Digital Account. Minimum: USD 1,000 (or PKR 10,000) depending on currency.
Conventional vs Islamic NPC?
Both exist. Islamic NPC profit is variable under Mudarabah (indicative rates shown); conventional pays the fixed announced rate.
Is the 10% tax final?
Yes — per SBP, profit on NPCs carries 10% final withholding tax and you do not need to file a return in Pakistan for it.
Can I encash early?
Premature encashment is allowed but profit is recalculated at the rate for the completed period — you lose the higher long-tenor rate.
Disclaimer: Rates per SBP notifications (2026) and subject to change. Islamic rates are indicative. Verify current rates with your RDA bank before investing.