News & Politics

Pakistan Banao Certificate: Profit Rates, Eligibility & Registration – Full Details


The Government is set to launch “Pakistan Banao Certificate” a dollar-denominated diaspora bond on January 31, 2019. The certificate is to tap into the international savings of overseas Pakistani to enhance foreign exchange reserves. Prime Minister of Pakistan Imran Khan will address the launching ceremony of Pakistan Banao certificates on Thursday 31st January 2019. The plan was to launch the bond in October last year but delayed after Prime minister call for donations to the dams. So, they stop the launch and now it will be launch by the prime minister himself.


Pakistan Banao  Savings Certificate Profits:

Asad Umar, the Federal Finance Minister, told media that there are two maturities of certificates.

  • The First one is of three years certificate at about 6.25pc return
  • Another one with five-year certificate maturity carrying 6.75pc return.

Registration Link:


The PBCs are available for 3 years and 5 years maturity with profit rates of 6.25 percent and 6.75 percent per annum respectively payable semiannually, salient features :

Digital Subscription

PBC is being offered for subscription through a specially designed Web-Portal. The investors first register themselves on the portal and give their investment and bank account details on successful registration. The certificates are issued to the investors electronically on receipt of funds in State Bank of Pakistan Account given on the portal. The investor receives confirmation of the issuance of the certificates both through email and updation of their account on the portal. The investors can view the status of their application by accessing the web-portal through their respective User ID and Password.


Eligible Investors

The holders of any one or more of following documents and having own bank account abroad, are eligible to subscribe the PBCs.

      • Pakistani individual having Computerized National Identity Card (CNIC).
      • Pakistani individual having National Identity Card for Overseas Pakistanis (NICOP).
      • Holders of Pakistan Origin Card (POC).
    • Minimum Investment Amount: USD 5,000 or higher in the integral multiple of US$1,000 with no maximum limit.

    • Transfer of Funds:The investor will remit the intended investment amount from his/her own account outside Pakistan to the SBP account with National Bank of Pakistan (NBP) New York to be notified to the investors on completion of investment details on the portal.

Investors are requested to ensure that the funds reaching the SBP account with NBP New York are equivalent to their intended investment amounts net of bank charges, if any.

Pakistan Banao Details Video:

YouTube video

PBCs is a scrip-less instrument registered in the Securities General Ledgers Account (SGLA) maintained at State Bank of Pakistan (SBP). PBCs so issued will be residing in an Investor Portfolio Security Account (IPS) of the investor, so as to keep track of investment of each individual investor.

He further added that total four Banks had been selected to complete the transactions. Pakistan Banao Certificate Will be launched worldwide with the collaboration of Government and State bank of Pakistan. On Thursday the rules of the certificates were approved by the deferral cabinet as it was the first ever transaction of its nature which is only for overseas Pakistanis.

The Pakistan Banao Certificate would be payable to the Pakistani investors in their accounts maintained overseas on a semiannual basis in foreign currency and with the choice of local payments in local currency. Computerized National identity cards maintain accounts abroad national cards for overseas Pakistani is compulsory for certificates. These certificates already marketed on different platforms like electronic, digital and print media from January 28 to ensure maximum outreach to potential investors.  For further marketing, road shows, awareness sessions will also be held for the overseas Pakistani in the countries where government want to target people.

Pakistan Banao Savings Certificate Promo Video:


Noor Mani is senior tech correspondent and renowned professional writer from Pakistani local Newspaper Weekly Multan. She is a P.E.C accredited Electronics Engineer and has wide vision over technology and local media industry scope. She is now a Managing Editor at Web.PK. You can email her at noor @


  • Aman Burki on 26/02/2019

    How can the nation secure it’s future, when it takes the name of “state of Madinah” but declares the war against Allah and his messenger.

    O ye who believe! fear Allah and give up what remains of your demand for usury, if ye are indeed believers. If ye do it not, take notice of war from Allah and His Messenger.” (al-Baqara 278-279).

    The supporters who are raising voices in favor of this step are no different from the army which is fighting the war against Allah and His messenger.
    Result of the war is sure, that who will be the winner.


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