Free tool · Overseas Pakistanis
Naya Pakistan Certificate Returns
Estimate the return on your Naya Pakistan Certificates through a Roshan Digital Account. Choose currency, tenor and rate to see your profit, tax and maturity value.
Rates prefill from a Feb-2025 reference — edit to your bank's current rate.
Maturity value after 1 year
$10,540
Gross profit
$600
Withholding tax
$60
Net profit
$540
Keep this calculation
A PDF showing gross profit, withholding and what the certificate pays at maturity.
Estimate using simple annualised profit. Actual NPCs may pay profit periodically and rates change — always confirm the current rate and tax with your Roshan Digital bank. Not financial advice.
What are NPCs?
Naya Pakistan Certificates are government-backed savings instruments for overseas Pakistanis, bought through a Roshan Digital Account. They come in PKR and foreign currencies (USD, GBP, EUR, etc.) across several tenors, with profit paid at a fixed rate.
Rates change
The State Bank sets NPC rates and revises them periodically. This tool prefills a recent reference rate — always enter the current rate from your bank before relying on the result.
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