# Roshan Digital Account inflows hit a record $14.16 billion as accounts near one million

Source: Searchable (https://searchable.pk/news/economy/roshan-digital-account-inflows-hit-a-record-dollar1416-billion-as-accounts-near)
Type: News article
Author: Searchable Editorial
Published: 12 Oct 2026
Updated: 12 Oct 2026
Retrieved: 12 Oct 2026

> Overseas Pakistanis sent $251 million through RDAs in September. Nearly $9 billion has been used inside Pakistan, and only $16 million left the country last month.

**Overseas Pakistanis have now sent $14.16 billion through Roshan Digital Accounts (RDAs) since the scheme opened in September 2020**, the highest total yet, after **$251 million came in during September 2026**, according to State Bank of Pakistan figures [reported by ProPakistani](https://propakistani.pk/2026/10/12/roshan-digital-account-inflows-cross-14-billion/) on Monday 12 October. The number of accounts reached **975,602**, so the scheme is within about 25,000 of one million accounts.

## Where the $14.16 billion went

| Use | Amount (cumulative, end-September 2026) |
|---|---|
| Spent or invested inside Pakistan (local use) | $8.94 billion |
| Net investments (Naya Pakistan Certificates, shares) | $2.27 billion |
| Taken back abroad (repatriated) | $2.15 billion |
| Sitting in RDA balances | $725 million |

Within the $2.27 billion of net investment, **Islamic Naya Pakistan Certificates hold $1.38 billion**, conventional Naya Pakistan Certificates **$740 million**, and Roshan equity investment in the stock market **$153 million**. The scheme's net repatriable liability, money the country may have to let account holders take out in dollars, rose about **$65 million in the month to $3.07 billion**.

**Repatriation slowed:** only **$16 million** left the country in September, down from $23 million in August.

## Why it matters

RDA money counts toward the State Bank's foreign reserves, and the $8.94 billion used locally is foreign currency the country did not have to borrow. At today's [interbank dollar rate](/data/usd-pkr), September's $251 million is about **Rs 6,950 million (roughly Rs 695 crore)**.

## If you are an overseas Pakistani thinking of opening one

- An RDA is opened online with a Pakistani bank, without visiting a branch, by any non-resident Pakistani with a CNIC, NICOP or POC.
- You can hold it in rupees or a foreign currency, and money can be sent back abroad without SBP permission.
- Naya Pakistan Certificates pay a fixed return in dollars, pounds, euros or rupees; check the bank's current rate sheet before you invest, as rates change.

To see what a transfer is worth at home, use our [currency converter](/tools/finance/currency-converter); for property bought with RDA funds, the [stamp duty calculator](/tools/property/stamp-duty-calculator) shows the provincial charges.

## Frequently asked questions

**How much money has come through Roshan Digital Accounts?**

$14.16 billion by end-September 2026, according to SBP data reported on 12 October 2026, from 975,602 accounts.

## Sources

- Roshan Digital Account Inflows Cross $14 Billion (12 Oct 2026, citing SBP data) (ProPakistani): https://propakistani.pk/2026/10/12/roshan-digital-account-inflows-cross-14-billion/

How to cite: "Roshan Digital Account inflows hit a record $14.16 billion as accounts near one million", Searchable, 12 Oct 2026, https://searchable.pk/news/economy/roshan-digital-account-inflows-hit-a-record-dollar1416-billion-as-accounts-near