Pakistan’s Roshan Digital Account initiative continues to demonstrate robust performance and sustained appeal among the global diaspora, according to the latest data for March 2026. During the month, overseas Pakistanis channeled 260.8 million dollars into the country, marking a notable increase from the 241.8 million dollars recorded in February. This consistent inflow has propelled the total cumulative deposits since the program’s inception to an impressive 12.43 billion dollars. The growth in monthly figures by 19 million dollars underscores a resilient level of confidence in the domestic financial ecosystem, even as global economic conditions fluctuate.
The dynamics of these funds reveal a sophisticated pattern of both repatriation and local integration. In March alone, approximately 223.54 million dollars was processed as either repatriation abroad or utilized within the local economy. Specifically, 41.65 million dollars was sent back overseas, while a substantial 180.89 million dollars was absorbed into the Pakistani market for various domestic purposes. This activity resulted in a net increase of 37.26 million dollars in the Net Repatriable Liability. To date, out of the total 12.43 billion dollars received, roughly 10.01 billion dollars has been utilized or repatriated, leaving a net liability of 2.41 billion dollars, which represents nearly 20 percent of the total historical inflows.
A breakdown of the currently held funds indicates that investment instruments remain a primary draw for non-resident Pakistanis. Approximately 1.09 billion dollars is parked in Islamic Naya Pakistan Certificates, significantly outpacing the 538 million dollars invested in the conventional versions of these certificates. Furthermore, equity market investments through these accounts stand at 106 million dollars, while liquid balances maintained within the accounts total 607 million dollars. These figures highlight the dual nature of the RDA as both a transactional tool and a lucrative investment platform for the diaspora. On a year-over-year basis, the current fiscal year has seen 1.86 billion dollars in total inflows, showing healthy growth compared to the 1.75 billion dollars received during the same period last year.
The footprint of the program also expanded significantly in terms of its user base, with 7,993 new accounts successfully opened in March. This brings the total number of registered Roshan Digital Accounts to over 917,400. The success of the initiative is largely attributed to the State Bank of Pakistan’s seamless digital infrastructure, which allows non-resident Pakistanis and Pakistan Origin Card holders to open accounts in a completely presenceless manner. By removing the need to visit physical bank branches, embassies, or consulates, the SBP has streamlined the banking experience, requiring only basic documentation and mandating that commercial banks complete necessary due diligence within a strict 48-hour window. As the program nears a million active accounts, it remains a cornerstone of Pakistan’s strategy to bridge the gap between the national economy and its citizens living abroad.
Follow the PakBanker Whatsapp Channel for updates across Pakistan’s banking ecosystem.