Naya Pakistan Certificate Profit Calculator — Pakistan
Overseas Pakistanis hold nearly a million Roshan Digital Accounts — but no guide lets you type in an amount and see what a Naya Pakistan Certificate actually pays. Pick your currency and tenor below and see the profit before and after the 10% tax, what lands every six months on a long certificate, and what you keep if you cash out early.
Your certificate, worked out to the rupee
All calculations happen in your browser. Nothing is sent or stored. Rates are the State Bank’s published table for certificates issued from 1 June 2026 — the State Bank revises them from time to time, so every rate below is editable.
Step 1 — Your certificate
Naya Pakistan Certificates are sold in six currencies, only through a Roshan Digital Account.
Minimum per the Gazette: 1,000 in foreign currency. One guide quotes $5,000 instead — see the traps below.
3, 6 and 12-month certificates pay profit at maturity. 3 and 5-year certificates pay every six months.
Filled in automatically from the State Bank table for your currency and tenor. Change it if the rate has moved since June 2026.
The 10% tax is the normal rule. The 0% exemption covers a non-resident’s foreign currency account, and a rupee account funded only from abroad — confirm it with your own bank before relying on it.
Step 2 — In rupees (optional)
Used only to show your profit in rupees. Defaults are mid-market rates checked 8 November 2026 — your bank’s rate on the day will differ slightly.
Your certificate
How the number is worked out
Four steps, no hidden maths
The State Bank publishes one rate per currency per tenor, and the profit is simple interest on your principal — there is no compounding inside a certificate, because the profit is paid out to you rather than added back in.
The rate comes from the State Bank’s table
Pick a currency and a tenor and the calculator fills in the published rate — rupees 11.75% to 12.75% a year, dollars 6.75% to 7.75%, pounds 6.75% to 8.00%, euros 4.75% to 6.25%, riyals and dirhams 6.50% to 7.50%. Longer tenors pay more.
Profit is amount × rate × time
A $10,000 certificate for 12 months at 7.25% earns $725. A Rs 1,000,000 certificate for 12 months at 12.25% earns Rs 122,500. A 5-year certificate pays the same half-yearly slice every six months — Rs 63,750 on Rs 1,000,000 at 12.75% — not a growing balance.
Then the 10% tax comes off the profit
The withholding tax is 10% of the profit only, and it is full and final. That $725 becomes $652.50 after tax; the Rs 122,500 becomes Rs 110,250. Non-residents can be exempt under the Second Schedule — the calculator has a 0% option for that, with the warning to confirm it with your bank.
Timing depends on the tenor
3, 6 and 12-month certificates pay everything at maturity. 3 and 5-year certificates pay every six months, and the principal comes back at maturity. The money is credited to your Roshan Digital Account only, and a certificate is not automatically reinvested when it matures.
The full picture
Naya Pakistan Certificate rates, June 2026 table
State Bank of Pakistan rates for certificates issued from 1 June 2026 (Finance Division S.R.O. 870(I)/2026), as published by the agent banks. Per year, before the 10% tax. The State Bank revises these rates — check its table on the day you buy.
| Tenor | PKR | USD | GBP | EUR | SAR | AED | Profit paid |
|---|---|---|---|---|---|---|---|
| 3 months | 11.75% | 6.75% | 6.75% | 4.75% | 6.50% | 6.50% | At maturity |
| 6 months | 12.00% | 7.00% | 7.25% | 5.25% | 6.75% | 6.75% | At maturity |
| 12 months | 12.25% | 7.25% | 7.50% | 5.50% | 7.00% | 7.00% | At maturity |
| 3 years | 12.50% | 7.50% | 7.75% | 6.00% | 7.25% | 7.25% | Every 6 months |
| 5 years | 12.75% | 7.75% | 8.00% | 6.25% | 7.50% | 7.50% | Every 6 months |
Read this before you believe a guide
Three traps this calculator avoids
Stale rate tables
Some bank pages still show the old rates — one major bank’s Islamic certificate page still lists dollars at a flat 7.00% and rupees at 13.50% for short tenors, which the June 2026 revision replaced. This calculator uses the June 2026 table and leaves every rate editable, so a future revision does not silently turn it into a stale guide.
The minimum-investment disagreement
One 2026 guide says the minimum is $5,000 for dollar certificates and Rs 100,000 for rupee ones. The Gazette notification and the banks’ own pages say 1,000 in foreign currency and Rs 10,000 in rupees. This calculator warns below the Gazette figure and states the conflict — your own bank’s Roshan Digital portal is the final word on the minimum it will accept.
Cashing out early and expecting the full rate
Early encashment does not pay your certificate’s rate. It pays the next shorter tenor’s rate for the time you held it — and nothing at all if you cash out before 3 months on a conventional certificate. A 12-month certificate cashed in month 8 earns the 6-month rate, not the 12-month one. The early-cash mode above applies that rule exactly.
Honest limits — read before you act. Rates checked 8 November 2026 against the State Bank’s June 2026 table via the agent banks; the State Bank revises them from time to time, so the rate on the day you buy governs, and this calculator’s rates are editable for that reason. Islamic certificate rates are expected rates from a Mudarabah pool, set monthly — the figure shown is the expected rate, not a guaranteed one. The minimum-investment figures disagree between sources (see trap 2), and the early-encashment rule for Islamic certificates follows a separate redemption table that lets you cash out after one month. Certificates are sold only through a Roshan Digital Account, profit and maturity money go back to that account only, and a certificate is not automatically reinvested. The 0% tax option is the non-resident exemption in the Second Schedule — confirm it with your bank. The rupee conversion uses the rate you enter; the defaults are mid-market rates checked 8 November 2026 (USD 280, GBP 369, EUR 309, SAR 74, AED 75).
Questions people actually ask
Naya Pakistan Certificates — FAQ
A Naya Pakistan Certificate (NPC) is a Government of Pakistan savings certificate sold only through a Roshan Digital Account, under the NPC Rules 2020 and run by the State Bank of Pakistan. It is for overseas Pakistanis, and for resident Pakistanis who have declared foreign assets and hold a Roshan Digital Account. You buy it inside your bank’s Roshan Digital portal — there is no walk-in counter sale — and the profit and maturity money are credited back to that same Roshan Digital Account only.
The State Bank’s table for certificates issued from 1 June 2026 pays, per year before tax: rupees 11.75% for 3 months, 12.00% for 6 months, 12.25% for 12 months, 12.50% for 3 years and 12.75% for 5 years; US dollars 6.75% to 7.75% across the same tenors; pounds 6.75% to 8.00%; euros 4.75% to 6.25%; Saudi riyals and UAE dirhams 6.50% to 7.50%. Longer tenors pay more. The State Bank revises these rates from time to time, so check its table on the day you buy — the rates in this calculator are editable for that reason.
10% withholding tax, which is full and final — it settles the tax on that profit. Non-residents can be exempt: profit on a non-resident’s foreign currency account, and on a rupee account funded only from abroad, is exempt from withholding under the Second Schedule clauses 78 and 79. Most non-residents do not need to file a tax return in Pakistan if NPCs are their only Pakistani income. Confirm the exemption with your own bank before you rely on it.
You are paid profit at the rate of the next shorter tenor for the time you actually held it — the State Bank’s own example is a 12-month certificate cashed in the eighth month, which earns the 6-month rate. Cash out before 3 months and no profit is paid at all on a conventional certificate. Islamic certificates can be cashed after one month, under a separate redemption table. This calculator’s early-cash mode applies exactly that rule.
The sources disagree, and this calculator states the conflict instead of picking one figure quietly. The Gazette notification (S.R.O. 870(I)/2026) and the banks’ own pages put the minimum at 1,000 in US dollars, pounds, euros, riyals and dirhams, and Rs 10,000 for rupee certificates. One 2026 guide quotes $5,000 and Rs 100,000 instead. The calculator warns below the Gazette figure of 1,000 or Rs 10,000 — your own bank’s Roshan Digital portal is the final word on the minimum it will accept.
An Islamic NPC is the Shariah-compliant version, structured on Mudarabah profit-sharing. Its rates are expected rates, not promised ones: the actual profit is set each month from the pool’s real results, and the Islamic Naya Pakistan Certificate Company publishes the profit-sharing ratio and weightages every month. The expected rates match the conventional table. This calculator uses that table for both, and marks the Islamic result as expected, not guaranteed.
Keep going
Related tools and guides
NICOP Fee Calculator Pakistan
Overseas Pakistani? Work out what a NICOP costs for the whole family, by zone and speed, in dollars and rupees.
Freelancer Payout Calculator Pakistan
What a Fiverr or Upwork order is actually worth in rupees after platform fees, Payoneer and the exchange spread.
Mobile Wallet Fee Calculator Pakistan
What JazzCash, Easypaisa and UPaisa charge to move money — and when the same transfer is free.
All tools
Every free calculator on VIP Prime Drop — government fees, payouts, wallets and more — no signup, no charge.