The State Bank of Pakistan has released the latest performance metrics for the Roshan Digital Account initiative, revealing a robust upward trend in foreign exchange inflows for February 2026. During the month, the country successfully attracted 241.8 million dollars in fresh deposits, marking a notable improvement over the 216.19 million dollars recorded in January. This monthly increase of 25.61 million dollars underscores the sustained confidence of non-resident Pakistanis in the digital banking framework. With these latest figures, the cumulative total of inflows since the program’s inception has reached a significant milestone of 12.17 billion dollars, reinforcing the scheme’s role as a vital pillar for the national economy.
Analysis of the central bank data shows that while capital is flowing in steadily, a portion is also being channeled back or used within the country. In February, the combined amount of repatriated funds and locally utilized capital stood at 167.98 million dollars. Specifically, 21.25 million dollars was sent back abroad, while 146.72 million dollars was spent or invested within the local market. This activity resulted in a net increase of 73.82 million dollars in the Net Repatriable Liability for the month. To date, total cumulative repatriation and local utilization have climbed to 9.79 billion dollars. Of this total, 1.99 billion dollars has been moved out of the country, while 7.80 billion dollars has been absorbed into the local economy.
The current financial standing of the program reflects a Net Repatriable Liability of 2.38 billion dollars, which represents approximately 19.54 percent of the total inflows received. The breakdown of these funds reveals a diverse investment portfolio among overseas Pakistanis. Approximately 557.42 million dollars remains parked in Conventional Naya Pakistan Certificates, while Islamic Naya Pakistan Certificates hold a much larger share at 1.08 billion dollars. Equity investments through the stock market account for 109.97 million dollars, with an additional 561.82 million dollars maintained as cash balances within the accounts. Other liabilities make up the remaining 69.36 million dollars of the current stack.
On a broader scale, the current financial year has outperformed the previous one. Total receipts for the year to date have hit 1.60 billion dollars, surpassing the 1.51 billion dollars recorded during the same timeframe last year. This growth is mirrored by the expansion of the user base, as 7,643 new accounts were inaugurated in February alone. This brings the total number of registered Roshan Digital Accounts to 909,407, inching closer to the one-million-account landmark. While the current momentum is strong, the historical peak for monthly inflows remains 310 million dollars recorded in June 2021, while the highest period of outflows was seen in July 2022.
The Roshan Digital Account continues to serve as a flagship digital transformation project by the State Bank of Pakistan in partnership with commercial lenders. By removing the physical barriers to entry, the SBP has enabled non-resident Pakistanis and POC holders to manage their finances, pay bills, and invest in their homeland without ever visiting a physical branch or consulate. The streamlined digital onboarding process, which mandates that banks complete due diligence within 48 hours, has proven to be a game-changer for the fintech landscape in Pakistan. As the ecosystem matures, these accounts remain a critical bridge for the diaspora to participate in the financial future of the country.
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