Pakistan’s Roshan Digital Account (RDA) continued to attract robust foreign inflows in October 2025, underscoring the confidence of overseas Pakistanis in the country’s digital investment and banking initiatives. According to the latest data released by the State Bank of Pakistan (SBP), gross foreign exchange inflows through RDAs reached $205 million during the month, marking a modest yet steady 0.5 percent increase compared to $204 million recorded in the same period last year and up from $196 million in May 2025.
This consistent growth highlights the ongoing success of the RDA platform, which has become a vital channel for non-resident Pakistanis (NRPs) to invest, save, and participate in the country’s financial system through fully digital means. Launched in September 2020, the initiative has transformed how Pakistan engages with its global diaspora by offering seamless access to a range of investment opportunities, including Naya Pakistan Certificates (NPCs), Roshan Equity Investments, and Islamic financial instruments.
In October 2025, net inflows (gross inflows minus repatriated funds) stood at $180 million, which is higher than the six-month average of $165 million and significantly above the overall average of $152 million since the program’s inception. These figures indicate not only sustained participation but also a growing trend of reinvestment and longer-term engagement by overseas Pakistanis.
Cumulatively, the RDA has attracted $750 million in inflows during FY26 so far, reflecting continued momentum as Pakistan works to strengthen its foreign exchange reserves and expand digital access for its citizens abroad. As of the end of October 2025, total inflows through the Roshan Digital Accounts reached an impressive $11.313 billion since launch. Out of this total, $1.903 billion has been repatriated, while $7.263 billion has been utilized locally in various financial and investment channels. The net repatriable liability stands at $2.148 billion, showcasing a strong balance between inflow retention and investor liquidity.
Breaking down the investment figures, NPC (Conventional) investments were recorded at $499 million, while NPC (Islamic) investments reached $997 million, demonstrating the growing appeal of Shariah-compliant financial products among overseas Pakistanis. Roshan Equity Investments totaled $95 million, providing further evidence of investor confidence in Pakistan’s capital markets. Additionally, balances in accounts amounted to $503 million, and other liabilities were reported at $54 million.
The data also revealed that a total of 873,465 Roshan Digital Accounts have been opened since the program’s inception, underscoring its wide acceptance and accessibility. The platform has played a crucial role in facilitating digital financial inclusion and in channeling remittances into formal and productive economic sectors.
The sustained inflows in October reaffirm the importance of the Roshan Digital Account initiative as a cornerstone of Pakistan’s fintech and digital banking landscape. As the country continues to digitize its financial systems, the RDA remains a key driver in attracting foreign currency, enhancing financial integration, and reinforcing economic stability. The steady growth trajectory suggests that the RDA is not only a success story in fintech innovation but also a testament to the trust and connection that overseas Pakistanis maintain with their homeland’s economic future.
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