Total inflows into Pakistan’s Roshan Digital Accounts (RDA) reached $11.494 billion as of November 2025, with $181 million added during the month, according to data released by the State Bank of Pakistan (SBP). This marks a decrease of $24 million compared to October 2025, when $205 million was recorded.
The SBP report highlights that $140 million was repatriated or utilized locally during November, increasing the Net Repatriable Liability (NRL) by $41 million. Of the total amount, $15 million was repatriated abroad while $126 million was used within Pakistan.
Cumulatively, $9.3 billion of inflows have been either repatriated or used locally. Out of this, $1.92 billion has been repatriated overseas, while $7.39 billion has been deployed domestically, leaving an NRL of $2.188 billion, equivalent to 19.04% of total RDA inflows.
The NRL composition includes $496 million invested in Conventional Naya Pakistan Certificates (NPC), $1.01 billion in Islamic NPC, $100 million in equity investments, $521 million held as balances in accounts, and $58 million classified under other liabilities.
For the current financial year, inflows have totaled $931 million, compared to $884 million during the same period last year. Similarly, total repatriation and local utilization reached $733 million, up from $663 million in the corresponding period last year.
November also saw the opening of 9,572 new RDA accounts, taking the total number of accounts to 883,037. The highest monthly inflow into RDA was recorded in June 2021 at $310 million, while the largest monthly repatriation and local utilization occurred in July 2022, reducing the NRL by $330 million.
The RDA initiative, jointly administered by the SBP and commercial banks, provides Non-Resident Pakistanis (NRPs) – including Pakistan Origin Card (POC) holders – with innovative, fully digital banking, investment, and payment solutions. The accounts allow overseas Pakistanis to participate in domestic financial markets seamlessly without visiting a bank, embassy, or consulate.
SBP mandates banks to complete all customer due diligence within 48 hours using basic documents and information submitted online. This presenceless account opening facility has significantly enhanced access to investment opportunities such as Naya Pakistan Certificates, both conventional and Shariah-compliant, and encourages capital inflows into Pakistan.
With RDA inflows steadily increasing, the program continues to play a crucial role in attracting diaspora funds, supporting foreign exchange reserves, and strengthening domestic financial inclusion. It demonstrates Pakistan’s commitment to leveraging digital innovation to engage its global diaspora and integrate them into the national economy.
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