Islamic Naya Pakistan Certificate
Islamic Naya Pakistan Certificates (INPC) are sovereign instruments issued by the Government of Pakistan. These Shariah-compliant certificates, administered by the State Bank of Pakistan (SBP), offer lucrative rates of return and are available in multiple tenors. Designed as the best halal investment in Pakistan, the INPC allows investors, both Non-Resident and resident Pakistanis with declared assets abroad, to contribute towards the economic growth and prosperity of Pakistan. Offered to JS Bank Roshan Digital Account holders on the basis of Mudarabah, the Islamic Naya Pakistan Certificate profit rates align with Islamic finance principles, making it an ideal option for those seeking ethical investment opportunities.
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| INPC Profit Rates | |||||||
|---|---|---|---|---|---|---|---|
| Sr No. | Currency | Minimum Denomination | Rate of Return | ||||
| (1) | (2) | (3) | (4) | ||||
| – | – | – | Three Months | Six months | Twelve months | Three years | Five years |
| 1 | US Dollars | 1,000 with integral multiples of 500 | 7.00% | 7.20% | 7.50% | 8.00% | 8.00% |
| 2 | Pak Rupees | 10,000 with integral multiples of 1,000 | 15.00% | 15.25% | 15.50% | 14.00% | 13.50% |
| 3 | EURO | 1,000 with integral multiples of 500 | 5.50% | 6.00% | 7.00% | 7.50% | 7.50% |
| 4 | GBP | 10,000 with integral multiples of 1,000 | 4.00% | 4.50% | 5.00% | 6.50% | 6.50% |
| Minimum Amount of Investment | |
|---|---|
| FCY Denominated Certificates | USD, GBP & Euro: Minimum Investment of 1,000 with integral multiples of 500/- |
| LCY Denominated Certificates | PKR: Minimum Investment of 10,000 with integral multiples of 1,000/- |
*Amount of investment in each tenor certificate shall be as above
| Key Features | |
|---|---|
| Offered in multiple currencies, PKR, USD, GBP and EUR | |
| Fully and easily repatriable | |
| No Zakat deduction | |
| Premature encashment option | |
1. What are Islamic Naya Pakistan Certificates (INPCs)?
2. Who can invest in INPCs?
3. In which currencies are INPCs available?
4. What is the tenure of investment for INPCs?
5. What is the minimum amount required to invest in INPCs?
6. What is the profit payment frequency of INPCs?
| INPC Profit Rates | |||||||
|---|---|---|---|---|---|---|---|
| Sr No. | Currency | Minimum Denomination | Rate of Return | ||||
| (1) | (2) | (3) | (4) | ||||
| – | – | – | Three Months | Six months | Twelve months | Three years | Five years |
| 1 | US Dollars | 1,000 with integral multiples of 500 | 7.00% | 7.20% | 7.50% | 8.00% | 8.00% |
| 2 | Pak Rupees | 10,000 with integral multiples of 1,000 | 15.00% | 15.25% | 15.50% | 14.00% | 13.50% |
| 3 | EURO | 1,000 with integral multiples of 500 | 5.50% | 6.00% | 7.00% | 7.50% | 7.50% |
| 4 | GBP | 10,000 with integral multiples of 1,000 | 4.00% | 4.50% | 5.00% | 6.50% | 6.50% |
7. What will be the rate of return?
8. Will Zakat be applicable on INPC?
9. How can I invest in INPCs?
10. Will I be taxed if I invest in INPC?
11. Is a rollover facility available in INPCs?
12. Are INPCs transferrable?
13. Can I pledge INPCs for financing?
14. Can I encash my investment in INPCs before maturity?
15. How will I receive profit on my INPCs?
In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays.
16. How will the funds received in Mudarabah pool be utilized?
17. What will happen in case of death of certificate holder?
18. Is there any cut off time for making investments in INPCs?
GBP & EUR INPCs: Investment requests received till 1:00 pm (PST) shall be invested on the next working day’s value date on T+1 basis subject to availability of funds in the investor’s account.
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For any further queries, be sure to check out our FAQs at https://jsbl.com/rda-terms-and-conditions/ or email us at rda@jsbl.com or contact us at our 24/7 dedicated helpline; Call us at: 021 111 654 321 | +92 (21) 3279 9009
For further information on Roshan Digital Accounts from State Bank of Pakistan, Please visit https://www.sbp.org.pk/RDA/index.html or email at RDAsupport@sbp.org.pk.
