Roshan Digital Accounts Inflows Rise Sharply in December 2025

Roshan Digital Accounts inflows continued their upward trajectory in December 2025, underscoring growing confidence among overseas Pakistanis in Pakistan’s formal banking and investment ecosystem. According to the latest data released by the State Bank of Pakistan (SBP), total inflows into Roshan Digital Accounts (RDA) during December stood at $213 million, bringing cumulative inflows since launch to $11.707 billion

Read More: https://theboardroompk.com/secp-warns-against-unauthorized-investment-platforms-preying-on-investors/

This represents a $32 million increase compared to November 2025, when inflows amounted to $181 million, highlighting renewed momentum toward the end of the calendar year.

Roshan Digital Accounts Inflows vs Repatriation Trends

While Roshan Digital Accounts inflows strengthened, repatriation and local utilization during December totaled $170 million, leading to a net increase of $43 million in Net Repatriable Liability (NRL).

During the month:

• $25 million was repatriated abroad
• $143 million was utilized locally within Pakistan

This pattern reflects a growing preference among Non-Resident Pakistanis (NRPs) to invest or spend locally rather than repatriate funds immediately.

Net Repatriable Liability Breakdown of RDA

Cumulatively, total repatriation and local utilization under RDA has reached $9.476 billion. Out of this:

• $1.943 billion has been repatriated
• $7.532 billion has been utilized locally

As a result, the Net Repatriable Liability stands at $2.231 billion, accounting for 19.06% of total Roshan Digital Accounts inflows.

A closer look at the composition of the NRL shows diversified investment preferences:

• Islamic Naya Pakistan Certificates (NPCs) dominate with $1.024 billion
• Conventional NPCs account for $499 million
• Account balances stand at $543 million
• Equity investments total $106 million
• Other liabilities amount to $59 million

This diversification reflects growing maturity and confidence in Pakistan’s investment instruments among overseas Pakistanis.

Roshan Digital Accounts Inflows During FY2025

During the current financial year to date, Roshan Digital Accounts inflows reached $1.144 billion, surpassing the $1.087 billion recorded in the same period last year.

Similarly, repatriation and local utilization during FY2025 stood at $903 million, compared to $788 million in the corresponding period of the previous financial year indicating increased transactional activity through RDA channels.

Account Growth and Historical Performance

In December alone, 10,093 new Roshan Digital Accounts were opened, taking the total number of accounts to 893,130. This steady rise reflects continued trust in SBP’s digital banking framework.

Historically:

• The highest monthly Roshan Digital Accounts inflows were recorded in June 2021, at $310 million
• The highest monthly repatriation and local utilization occurred in July 2022, when the NRL declined by $330 million

These milestones highlight the evolving lifecycle of RDA usage over time.

Why Roshan Digital Accounts Matter for Pakistan’s Economy

Roshan Digital Accounts are a flagship initiative of the State Bank of Pakistan, implemented in collaboration with commercial banks nationwide. The program provides seamless banking, payment, and investment solutions for Non-Resident Pakistanis, including NICOP and POC holders.

A key strength of RDA is its fully digital, presenceless account opening process, allowing overseas Pakistanis to open accounts without visiting banks, embassies, or consulates. With minimal documentation and a mandated 48-hour due diligence window, the initiative has significantly lowered barriers to entry.

The sustained growth in Roshan Digital Accounts inflows during December 2025 reinforces the platform’s importance as a reliable source of foreign exchange, investment inflows, and economic stability for Pakistan. As digital banking adoption expands globally, RDA remains a cornerstone in strengthening Pakistan’s financial link with its diaspora.