Profit and Tax Calculation of Naya Pakistan Certificates | Naya Pakistan Certificate | NPC

The government of Pakistan has launched Naya Pakistan Certificates investment schemes for overseas Pakistanis. Non-resident Pakistanis who open Roshan Digital Accounts, a special account for expats, can invest in this scheme, which offers a much higher profit rate compared to what banks are paying in Pakistan as well as America. Watch this video to learn about the main features of this scheme and how much profit you can make from it.
حکومت پاکستان نے اوورسیز پاکستانیوں کیلئے نیا پاکستان سرٹیفیکیٹ کے نام سے انوسٹمنٹ اسکیم متعاف کرائی ہے۔ بیرون ملک مقیم پاکستانی روشن ڈیجیٹل اکاؤنٹ کے ذریعے اس اسکیم میں سرمایہ کاری کرسکتے ہیں۔ اس میں منافع کی شرح پاکستان اور امریکی بینکوں میں سرمایہ کاری سے بھی زیادہ ہے۔ اس ویڈیو میں آپ اسکیم کی چیدہ خصوصیات اور منافع کے بارے میں جان سکتے ہیں۔
The sale of conventional Naya Pak certificates started Monday, Sept 14, 2020, through agent banks, the finance ministry announced on Twitter.
The certificates will give a fixed profit rate and a Sharia-compliant version will be rolled out soon, it said.
Non-residential Pakistanis can invest in the scheme through Roshan Digital accounts.
The government wants to encourage overseas Pakistanis to invest their savings in Pakistan and help increase foreign exchange reserves.
These certificates are available both in rupees and dollars and come in five tenures - three months, six months, one year, three years, and five years. The three-month short-term certificates will give a profit of 5.5% (in dollars) and 9.5% (in rupees). The profit rate for six months is 6% and 10%, respectively while the one-year certificate will offer a profit of 6.5% and 10.5%. The profit rate for three years is 6.75% and 10.75% and for five years the rates are 7% and 11%.
The tax deduction for this scheme is 10% (of the profit) and the minimum amount one can invest is $5,000 or Rs100,000. For certificates with a maturity of one year or less, the profit (along with original investment) will be paid when the tenure ends.
In the case of the three- and five-year maturity, the profit will be paid twice a year.
Govt launches Naya Pakistan certificates for overseas Pakistanis. What is Naya Pakistan Certificate and Roshan Digital Account? All details are available. .
Link for Roshan Digital Account details : • Roshan Digital Account...
The Certificates shall be offered digitally through the web-links of following agent banks:
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#SafiullahWasiullah

[@muhammadtahamanzoor6444]

Will there be any withdrawal fee? I live in Canada so when I with draw will I get it converted to CAD automatically or will I need a USD account?

[@SafiullahWasiullah]

Yes it will convert as per ur account currency. Kindly check schedule of charges sheet of the bank for fee.

[@muhammadtahamanzoor6444]

@@SafiullahWasiullah Thanks a lot. Your channel is very helpful and well managed. Keep up the good work.

[@SafiullahWasiullah]

@@muhammadtahamanzoor6444 jazakallah brother for being a part of this family.

[@AbdulAli-cd6ot]

@@SafiullahWasiullah نیازی دجال کے ساتھی ہیں لعنت ہے تمھاری سوچ پر نیازی بدکردار کے ساتھی بھی ایسے ہی لونڈے لپاڑے ہی ہوں گئے

[@Dubai-Used-Trucks]

Very Clear informative 🇦🇪👍 Thank you so much dear Brother Allah bless you and your family, Love from London 🥰

[@SafiullahWasiullah]

Thanks alot dear sister, kindly share with your friends and family as well. If u want to join my free trainings WhatsApp group then just send a msg on [phone].

[@arijhussain5024]

@@SafiullahWasiullah hi I am waiting for this excel sheet last two no one reply. Please email this to me on [e-mail] once again thank for sharing great information

[@SafiullahWasiullah]

@@arijhussain5024 received ur email, will arrange.

[@8496246]

@@arijhussain5024 Sir, have you received this calculation model file? if yes can you please email me that? thanking in anticipation.

[@syedrehman6103]

Very fine calculation for the simple People like us. Thanks Alto Rehman Germany

[@SafiullahWasiullah]

Thanks bro, kindly share with others.

[@TajweedQuran123]

Like 12 اللّٰہُمَ صَلِّ عَلٰی مُحَمَّدٍ وَّ عَلٰٓی اٰلِ مُحَّمَدٍکَمَا صَلَّیْتَ عَلٰٓی اِبْرٰھِیْمَ وَعَلٰٓی اٰلِ اِبْرٰہِیْمَ اِنَّکَ حَمِیْدٌ مَجِیْدٌ , اللّٰہُمَ بَارِکْ عَلٰی مُحَمَّد ٍوَّ عَلٰٓی اٰلِ مُحَّمَدٍکَمَابَارَکْتَ عَلٰٓی اِبْرٰھِیْمَ وَعَلٰٓی اٰلِ اِبْرٰہِیْمَ اِنَّکَ حَمِیْدٌ مَجِیْدٌ🌷🌷

[@SafiullahWasiullah]

Shukran.

[@shoaibmughal5129]

Subhan Allah .. Dunia ka bhtreen amml drood pak

[@NajeebUllah-bg7wj]

Shukr kisi ne to sach bola jitni videos dekhi aus main monthly 5% / 9% profit bata rahy hain ap ne he clear bataya k ye monthly nahi yearly profit hai 👌

[@SafiullahWasiullah]

Jee bhai mujhe bada ghusa ata hey kuch log sirf channel aur video chalane ke lye jhotey thumbnail banate hen aur koi banking ke knowledge nahe bss kich bhe Boldia

[@hoorskitchen5279]

Easy explanation and calculations hopefully everybody can understand easily thankyou for sharing

[@SafiullahWasiullah]

Thanks for your support Hoor.

[@zainaharoon]

Great video! I was planning to work out the profit rates today and luckily came across your video. Very helpful and clear!

[@SafiullahWasiullah]

Thanks dear, kindly share with your friends and family as well.

[@am55446]

Good opportunity for overseas pakistanis to serve the country and gain good profits

[@SafiullahWasiullah]

Jazakallah.

[@Beauty.adviser17]

Thank you so much... Very good method of explanation

[@umairzabbasi7379]

masha Allah nice vedio appreciate you full detail se ptaya logo ki asani k liye mazeed vedios bnae dsra profit rates bht kam ye sirf ameer logo k liye best hn

[@SafiullahWasiullah]

Jazakallah bhai, ajj kal key halat mey ye bhe theek hee hey, han kam tu hey wese, app agey bhe share karega videos.

[@khkhan-gx2oc]

Well explanation with a good example, appreciate

[@SafiullahWasiullah]

Thanks, kindly share with others.

[@SJspeaks8489]

Thank you for very detailed explanation, I am assuming that there will be no profit (maybe little to nothing) or this may turn to losses if invested in PKR. The reason of my statement is 1. PKR expected deprecation over the period. Which may vary between 6 to 10 percent annually. You can see the historical data. 2. Currency conversion loss if converting from PKR to any other currency 3. Taxes on withdrawal and transfers on the actual sum 4. Policy change risks

[@SafiullahWasiullah]

All factors are true 👍

[@ShahzadKhan-zs6zr]

Very good job sir 👌 mashallha mashallha

[@SafiullahWasiullah]

Buhut shukria bhai, lazmi share karen.

[@phatan]

Excellent video. I was doing my calculations wrong. Thank You for explaining it properly. Where can I get this excel sheet

[@MrYasir319]

السلام علیکم ماشاء اللہ آپ نے بہت اچھی معلومات دیں اس کے لیے آپ کا بے حد شکریہ اچھا آپ ان کے لیے بھی ایک ویڈیو بنائیں جو 1 tier میں اپلائی کر چکے ہیں کیونکہ میں نے 250 روپیہ بنک سے جمع کروایا تھا اور اب مجھے نہیں پتہ کہ آگے کا لائحہ عمل کیا ہے اور آگے کا کیا پروسیجر ہے آپ کے جواب کا انتظار رہے گا.... بہت شکریہ

[@SafiullahWasiullah]

W.salam bhai, apne ju form jama karwaya mera khyal heybwu housing scheme ke lye huga, uska name tu government balloting sey nikle ga, agar name nahe aya tu response nahe ayega....ye wali video investment certificate ke details key lye hey. Kindly share with ur friends.

[@tahirfashionhub8946]

well explained with Thanks!

[@SafiullahWasiullah]

Thanks for your support bro, kindly share with others as well.

[@tahirfashionhub8946]

@@SafiullahWasiullah Sure, will share with our circles but keep it up cause your presenting style is really amazing. Thanks

[@SafiullahWasiullah]

@@tahirfashionhub8946 Jazakallah khair bro.

[@Love-rr3qn]

Brother, tax khatm hoa ya nahi

[@kakapataka3340]

Assalam walekum in Punjab ki taraf gaya hai jo aap kah rahi hain

[@HassanAli-pc4ig]

Dear I have a couple of questions: 1. I understand that tax on profit is 10%. Will there be any tax on withdrawal as well? In Pakistan, filers are exempted but non-filers pay 0.6% while withdrawing more than 50k. Is it applicable on RDA as well? 2. In Islamic Certificates, will there be any change in profit calculation if there is any change in weightage? If yes, please elaborate.

[@SafiullahWasiullah]

1. In RDA, Cash withdrawal is not allowed. Either transfer or Payment. 2. Yes in Islamic banks, it will be based on weightages, kindly check on Meezan Bank website, its available there in detail. I can not write all of that in comments. Thanks for your support.

[@mirzaawais4274]

Meezan Bank started issuing ATM cards and Cheque Books to RDA account holders. They can do all transactions but no transaction from INPC investment.

[@IrfanAli-op1re]

Good one. Simple and sweetly done

[@SafiullahWasiullah]

Shukria bhai, kindly share with others as well.

[@ABDULKHALIQ-nv4wk]

Great vedio safi bhai Please if u can make vedio on trnafer charges to RDA and RDA debit card availablity,delivery and use in foreign countries . Jazakallah

[@SafiullahWasiullah]

Shukria mey banadunga in shaa allah

[@HabibiDubai7]

Well explained! I recentally opened meezan roshan digital a/c i have 2 queries.. 1)Sir please guide,Non resident pakistanis pr b tax lgy ga ya ni? if they invest in Naya pakistan certificate.. 2)also please guide jo Mudarib ki percentage h vo PAT k baad deduct hogi ya PAT final figure h jo investor ko mily gi..JazakAllah

[@SafiullahWasiullah]

Thanks bro, 1. Yes 2. PAT is final 3. Kindly share with ur circle

[@farooqashraf7796]

Thanks, very useful calculations.

[@SafiullahWasiullah]

Always welcome, kindly share with others as well

[@anbluegoat822]

Very nice... Brother you explained ver well now everyone can understand

[@SafiullahWasiullah]

Thanks brother, kindly share with ur friends and family as well

[@Faizan-A-Khan]

These profit rates are pure interest and if you buy Shariyah Compliant certificates then bank will also keep percentage from total profit. For Rs certificates bank (Meezan Bank) will keep 35% of profit and 65% will be yours, and for USD certificates (Meezan) bank will keep 55% and you will take 45% hope it helps. Thanks

[@naumansaeed9016]

Thanks Bro for Sharing You made a good Tool. That were perfect when you can share the Tool also with public so everyone can Calculate him/herself. Regards Nauman

[@SafiullahWasiullah]

Send me email [e-mail]

[@kashefz]

Thanks for the explanation. No criticism of your calculation and effort . However in correct English grammar and from a legal point. The profit should be mentioned as "Per Term" and NOT "Per Annum". Otherwise you should be Compounding the profit afer tax to the principal amount every year. As this is marketed to international investors it would look bad if it was challenged. Just my thoughts .

[@SafiullahWasiullah]

Tha rates are per annum that's why it is mentioned as per SBP circular. Compounding not included because this calculation is based on the withdrawal of profits accordingly. My other videos are available for Compounding concept. Thanks for your valuable advice brother.

[@Safi.00197]

In the end 500rs profits on one lac . So it’s normal why we need roshan or conventional bank FDS , even i got from Meezan 6% on one lac without time bonding ... it’s all monopoly from stat bank of pak sides, how ever your explanation was so wonderful ... thanks

[@SafiullahWasiullah]

Thanks dear

[@svetuncikcond4598]

MashAllah wadia video c

[@Facts1234-e6b]

Do Not open RDA in UBL in fact do not open any type of bank account in UBL. I have the worst ever experience of my life with UBL. If You try to open any kind of bank account in UBL you will face nothing but problems. I repeat again do not go near this bank. UBL customer service and hidden charges will make you cry.

[@mohammadmalik5164]

Thank you for sharing this video. Can you please explain what will be the tax implications for US citizens? Based on my online research profits less than a year are taxed as ordinary income (approx 40%) in US and more than a year are taxed at 20 percent. If you add 10 percent Pakistani tax, it may be prudent to keep certificates for more than a year and pay 30% tax? Also please explain how you can report these taxes to US government. Is there a form you can request from the government. Unfortunately, these certificates are designed for overseas Pakistanis, but tax implications for US citizens are not clearly delineated by government or banks.

[@junaidd562]

Thank your the well explained video.

[@SafiullahWasiullah]

Jazakallah bro

[@MrSultan335]

Well explained really thankfully to you

[@SafiullahWasiullah]

Jazakallah Dr. Sahab, kindly share with others as well.

[@syedhusaini1566]

Safi sahib! Excellent video. Just wanted to confirm that the with holding tax rate for $ Naya pak certificate is a full & final 10 percent for FBR purposes?? Thank you Sir!!

[@PkGulfInfoVlogs]

V. Good ideas easy for understand for everyone. Thanks

[@SafiullahWasiullah]

Thanks bro, kindly share with ur circle as well.

[@pakistanzindabad1040]

@@SafiullahWasiullah bro bank profit har aik month ke baad account mai credit kare ga ya phir 3 month ke baad??

[@SafiullahWasiullah]

@@pakistanzindabad1040 bhai maturity ke lehaz sey mileyga....

[@pakistanzindabad1040]

@@SafiullahWasiullah means 3 month complete hone par...

[@SafiullahWasiullah]

@@pakistanzindabad1040 bhai ek kaam karen video ek dafa aur dekhen aur points note karen. Ek saal tak ke investment mey maturity par mileyga.

[@mdkhan11]

Thanks Safifullah for uploading this video. Very helpful. What is the best profit rate product for overseas Pakistanis through the Roshan Digital account. Also, is the tax assessed if monies are invested in USD through Roshan Digital Account ? As US citizen, i will be paying taxes in US so hoping there is not tax on investing via Roshan Digital Account otherwise overseas Pakistani's may end up paying dual taxes. Please comment. Thanks Aziz

[@SafiullahWasiullah]

WHT will be applied of profit, INPC is better option.

[@muhammadamjad3659]

Can you please explain the scenario where we will be topping it up every month ? How will it work? Will that amount be added to same certificate or it will be considered as a new certificate ?

[@liaqatswati5363]

Bhot achy sa samajh aa gai sir Pr ager hum ko apni amount wapis chaye 5 saal sa pehly tu pher kia karna ho ga 5 saal sa pehly ager 3 saal bad hum apni amount wapis kr laty hein tu 3 saal ki percentage sa profit mily ga.

[@SafiullahWasiullah]

Meri videos Naya Pakistan Certificate air Islamic Naya Pakistan Certificate dekhem plz usme ye sari details hen.

[@fayyazahmed6936]

Sir 2lakh or 3lakh pe kitna profit ata h plz is pe b video bana dijiye

[@khalidhassan7900]

nice

[@SafiullahWasiullah]

Shukria bhai

[@hassantamur2629]

Thanks. Meezan bank ki jo daily mail ati hai. Sub plans ki performance sheet. Os ko kaisay understand karain.

[@SafiullahWasiullah]

Financial intelligence

[@waqasanjum85]

U forgot weightage distribution, we will not get 100% of profit, 55% will be taken by bank

[@SafiullahWasiullah]

No need to make it complex for general public. Profit amount will be approx same as I mentioned from commercial banks.

[@insaneze0]

Nice explanation. Please, guide on 3 year inpc e.g. I invest 1 lakh pkr. How much will be the bi-yearly profit. How much profit I'll recieve every 6 months? Thanks bro

[@SafiullahWasiullah]

Thanks, u can easily make it on excel and check for all terms one by one.

[@malikrehman6174]

Where investor can see their investment in NPC. Any entry in SBP or in the bank. Where you can see that your investment exist .

[@SafiullahWasiullah]

Yes u can check online on ur banks website portal

[@malikrehman6174]

@@SafiullahWasiullah Bank gave me piece of paper stating that they acted as agent and invested my money in NPC . Can I see any entry in the State Bank of Pakistan for my Certificates.

[@SafiullahWasiullah]

@@malikrehman6174 Yes commercials are like agent of state Bank, its digital certificates. If you wana confirm, so u can send email to state Bank.

[@calculationmakessimple8165]

Thanks for sharing. Jazak Allah Khair

[@AliAhmed-xg7bz]

Brother thanks for your kind information. How to get back all investment to overseas own Bank account Incase of need.

[@SafiullahWasiullah]

Its simple, there is an option of repatriation on the online portal.

[@fayyazahmed6936]

Sir isen 2lakh or 3lakh per kitna banta h is pe v ik video bana dain

[@technicalexpert8404]

Hi bro can you please guide us that if what is the procedure if we want to withdraw before completing the tanner and secondly I want to confirm that when I had open an account in Roshan digital account I had been selected pakistani currency account so can I invest in foreign currency like USD by using the same account.

[@samadkhan-tw4gq]

6 month ke tenor me per month profit withdraw krskte hain kya ???

[@naila3g412]

Ek baat bata day if 5 year ka deposit kera deya tu 6 month may b lay sucktay ha tu wo 5 year Wali. Amount mili g for example 49500 Wali her 6 month may bus ya bata day

[@SafiullahWasiullah]

Mey samajh nahe paya apka sawal, app mujhe voice msg karen whatsapp par, [phone]

[@Azharliaqat41]

@@SafiullahWasiullah us nay kaha agr 5 year k liye deposit kru aur kahin zrort par gae paison ke aur 6 month k bad wapis lainay hon to kia profit 5 year k hisab say milay ga

[@SafiullahWasiullah]

@@Azharliaqat41 bhai agar aplog meri videos ess scheme par pori dekhen ti ess baat ku mene wazeh kya hey. Apka buhut shukria dear.

[@misterclot9739]

Salam alikum brother جزاك الله خير الجزاء بارك الله فيك الله يسعدك ويوفقك ويرزقك يارب Where do you earn more in dollars or rupees?

[@SafiullahWasiullah]

Dollars

[@Time0900]

To: Governor Mr. Dr. Reza Baqir Respected Sir, 1- Kindly open for investment the Pakistan Banao Certificates again for overseas Pakistanis / POC Pakistanis. 2- Naya Pakistan Certificates: it is a vague investment for overseas Pakistanis / POC Pakistanis; maybe attract some overseas citizens but not big long-term investors. a- If an overseas Pakistani / POC Pakistanis open this account for long-term big amount and how he can withdraw his annual yield / profit as he and his family residing abroad and when he is investing in USD most of the banks who are offering these accounts don’t have any atm’s outside Pakistan and the investor has to use foreign banks’ atm’s and the withdrawal charges of the profit investors becomes very low and meaningless for the investor. b- As 5 years certificates the yield is 7 % and there is 10 % tax on the yield profit mostly overseas Pakistanis / POC Pakistanis don’t want any involvement with FBR so maybe you can eliminate the profit yield tax 10 % and there should be no any tax deduction showing the account holder’s the bank statement. Otherwise FBR will use this as a harassment tool for overseas Pakistani / POC Pakistanis. 3- There are Pakistani banks like Habib Bank Limited operating outside Pakistan. They also don’t have atm’s so the investor can use the atm and withdraw his yield/profit in USD. In this regard I kindly request instead of investor should open a new Roshan Digital Account in foreign currency, the existing branch in foreign countries outside Pakistan should also be entitle to buy these certificates and the yield/profit should be credited in the existing branch’s accounts Pakistani banks outside Pakistan. 4- With the existing branch outside Pakistan accounts one can attach Roshan Digital Account PKR and a debit card to spend, sending gifts, buying tickets or many purchases it will be useful, otherwise it is not useful for those overseas Pakistani / POC Pakistanis whose families residing outside Pakistan. 5- There are many instruments, bonds/certificates are available with profit, in other countries like in Turkey and the sunk cost is the same with the existing Naya Pakistan Certificates 6- Kindly also don’t forget POC Pakistanis in all the advertisements and promotions to invest in Pakistan. I kindly request you to take the necessary action as soon as possible in order to facilitate overseas Pakistani / POC Pakistanis and overseas Pakistani / POC Pakistani citizens can do investment in Pakistan with Pakistani banks. Since we have full confidence and trust in State Bank of Pakistan. With kind regards,

[@qureshi1268]

Assalam o Alikum brother kia ap bata sakty hain kay saving account or current account ak hi app pay kasy use kar skty hain.main nay RDA SAVING OR RDA CURRENT UBL Main open karwa hai ic ko joint kasy karty or use kasy karna hai.kisi ko koi information to plz btna??????

[@SafiullahWasiullah]

Online web par use karen

[@sheenaaleem3112]

Formula kia lagaya apny sheet banany k liay

[@irfanjunjua]

I have a question about Islamic certificates. Are these profit rates after the mudarib fee or before?

[@SafiullahWasiullah]

This is only an idea abt profits

[@findjaidee]

excellent stuff! can you give calculations for the Uk pound please.10% tax on profit and then repatriation fee charged by the bank! still worth it?

[@SafiullahWasiullah]

Same calculation, I have uploaded a separate video for foreign currency certificates.

[@AbuRashidAlmaas]

Asslamolikom ..... Thanks for yor update can i open this Roshan account more than 1 banks or Only any one bank allow ??? please explain this of possible... God bless you.. Bilal bashir from KSA

[@SafiullahWasiullah]

Yes u can dear

[@trk3163]

Well explained, I have a question 🙋‍♂️ from you. If Pakistan is an Islamic country then why do we have to say Islamic and non Islamic Banking or profit . In my opinion it should be Islamic only.

[@SafiullahWasiullah]

Agreed

[@tiktok6666]

Sir doolar saving account par bhe koe video banae

[@SafiullahWasiullah]

Banee hue hey foreign currency par bhe

[@ahsanbashir5729]

I am a filer. As per tax rule 7B " profit on debt is subjected to 30 to 35% tax if the profit exceeds RS 6-millions per year". RDA tax rate is 10%. Remaining 20 to 25% tax on profit to be submitted to FBR as admitted Tax? Or this 10% is full and final and tax rule 7B will not be implemented on RDA?

[@SafiullahWasiullah]

Only 10% will be applied

[@pakistantour2034]

Keya 30 lak tak rak sak ta hy or 30 lak kay sat kitna aya ga rups 5 sal tak

[@tahirfashionhub8946]

Profit rate is too low therefore each person should make its own investment which will provide more than 20% profit.

[@SafiullahWasiullah]

Thanks for sharing your point of view.

[@tahirfashionhub8946]

@@SafiullahWasiullah Pleasure!

[@mishinazmishinaz7285]

kia ye investment abroad sy ho ge?? Pak MN rhty huy NH kr skty plz tell me

[@mytourandtaste1277]

Overseas Pakistanis ka liyay pakistan naya certificate kitna profit hai koi update hai GBP main ya kon sa account best hai profit ka liyay current account ya saving account aur tax exempt ho aur pasay safety ko consider kartay howay kon sa account best hai aur kon sa bank best hai last but not leaset Pasay ager wapis uk ya usa account main chaheay to request send kernay ka baad jaldi ajayain ga pasay ya bank koi issue ya problem create karay ga kindly let me know thanks kindly let me know thanks

[@SafiullahWasiullah]

Bank ke websites par update arahe hen

[@majidali5640]

3month complete k bad ussi rakam ko dobara rakh sakty hain

[@pakistanzindabad1040]

Very good bro

[@ahsangondal7212]

Love u bahi from Uae

[@SafiullahWasiullah]

Love u 2 bhai

[@amirxxx6663]

Well explained brother...but profit is very low...no worth to invest..

[@SafiullahWasiullah]

Its much better as compare to other options

[@shelterhouse5555]

Bahut hoob

[@SafiullahWasiullah]

Jazakallah

[@kinglion5845]

Nice and clear video ALLAH Salamat Rakhay. Safiullah i just have one query i have opened my digital account as individual account. If individual account holder died what will happened to his investments he made in certificates. Is there any procedure of transfer in such cases like in saving certificates. Please can you clarify.

[@SafiullahWasiullah]

Thanks dear, nice question, I have already explained about this matter in my videos of Naya Pakistan Certificate and Islamic Naya Pakistan Certificate. You can nominate someone in this account and investment as well, who can take care after your death.(May Allah saves you).

[@kinglion5845]

@@SafiullahWasiullah what is the nomination process how can i nominate i am really confuse in this part. If you can share the video link in which you have explained this, it would be great or let me know the process of nomination thanks.

[@SafiullahWasiullah]

@@kinglion5845 kzbin.info/aero/PL8Kjp09J46h25yy6DWeZB6fveWjoDXnJt

[@SA-xy4pp]

8:52 how come profit of one year is 275 and profit of the term is 69. Please explain wine we divide 275 by 3 as this is 3 month certificate.

[@SafiullahWasiullah]

Profit yearly hota hey dear

[@azeemzubair9281]

Thank you sir great video

[@SafiullahWasiullah]

Jazakallah bhai, kindly share with others as well

[@ahmadbangash]

Can we withdraw before maturity. If yes plz explain I invested in hbl

[@SafiullahWasiullah]

Yes u can, I have already explain in video

[@parongaming9959]

Good🏆

[@SafiullahWasiullah]

Thanks champ

[@furqanislam7446]

Profit her mouth ly sakty Han yia time complete Hong k bad he

[@SafiullahWasiullah]

Maturity par, ju mene video mey slabs batai hen

[@ahmadjutt2964]

Please make a same detailed video on overseas pakistani pension scheme

[@SafiullahWasiullah]

Can u give me more details....I will do it...

[@ahmadjutt2964]

@@SafiullahWasiullah Please share your WhatsApp number

[@SafiullahWasiullah]

@@ahmadjutt2964 [phone]

[@farooqiqbal5241]

Assalam o alaikum Sir I have two questions Kya term period khatam honay par raqam aur profit automatically account mein aa jayega ? Kya aik certificate k khatam honay se pehle doosra certificate lay saktay hain ?

[@SafiullahWasiullah]

1. Yes 2. Yes

[@stringsaction]

Is there a way to get money from Pakistan local bank account to Roshan digital account?? Appreciate your reply

[@SafiullahWasiullah]

If u have NRA then u can.

[@Khalidawanvlogs]

GREAT

[@SafiullahWasiullah]

Shukria

[@m.uzairiqbal8478]

Kia profit per koi effect hoga. Filer or non filer ka???.

[@SafiullahWasiullah]

Nahe dear

[@realislam2332]

Jo profit bank share karega Kya us men bank ki deduction bhi hai

[@SafiullahWasiullah]

Jee mene explain kya hey deduction ka

[@noshipk]

sir kya yh 5 saal k bad khtum ho jae ga ya agr hm pay ni nklwate to àge profit milta rhe ga

[@muhammadanjum3818]

If 6000$ without any investment in saving rda , so will it apply automatically , what ever profit ?

[@SafiullahWasiullah]

Yes

[@qhsehome]

Profit rate sab banks ka same hai differ karta hai...... aor koi bank b suggest karain ...

[@SafiullahWasiullah]

Sab ka same hey , bss Islamic banks ka kuch farq huga, my recommendation is any Islamic bank

[@qhsehome]

@@SafiullahWasiullah thanks for suggestion.... even me also preferred Islamic but hbl and ubl also having Islamic?

[@SafiullahWasiullah]

@@qhsehome yes they both have it, watch my video on Islamic naya pakistan certificate

[@qhsehome]

@@SafiullahWasiullah ok... thanks

[@zq12900]

Which currency is better for deposit' Dollar or Rupees.

[@SafiullahWasiullah]

Its ur financial decision

[@ForeignersReact]

Thank you for your clarification. I have one follow up question. If I take certificate of 3 month tenor but kept certificate for long term will it be automatically moved to next tenor let say 6 months?

[@SafiullahWasiullah]

No bro, extension is not available. U need to invest in a new one.

[@ForeignersReact]

@@SafiullahWasiullah thanks

[@SafiullahWasiullah]

@@ForeignersReact always welcome, kindly share with your circle as well.

[@sbkivines1045]

Ya kasy ly skty han

[@mohdiqbal5385]

Person in Pakistan on behalf of remittance sender or sender's open bank digital account in bank what documents required possible minimum how much amount is amount added monthly also or you just initial set pattern ok only I mean if someone invest Lakh then next two lakhs possible

[@SafiullahWasiullah]

I am not able to understand ur question.

[@mirzaawais4274]

Mohd Iqbal, You can't open a roshan digital account on behalf of sender. You can guide to sender or assist in opening account but sender has to sign all papers and then send to you scan copies to upload. Account holder can invest in many certificate not only one. If he has 2 lakh next month then he can invest this in new certificate and so on...3, 4 All certificate will appear in his net banking.

[@riaz447]

Agar ap ne certificate khareed lia or paiso ki zarort phar gyi to return apni payment kaise nikalnge jaldi

[@SafiullahWasiullah]

Esme online option hey repatriation kaa.

[@riaz447]

@@SafiullahWasiullah option nahi hai koi bi

[@SafiullahWasiullah]

@@riaz447 no problem dear, app uspar email bhe karsakte hen, repatriation is must in this acc or cert

[@touqeersaddam246]

Sir abi k hesab k motabik ropey aur dollar ki video banao

[@SafiullahWasiullah]

Jee theek

[@sherzamankhan2452]

If i put for 3 months after 3 i don't remove for example 5 months 1 will get more are no other ways if i put complete 1 eyer the take taxes from original amount also are no

[@SafiullahWasiullah]

App ju tenor select karengd uska hee profit mileyga

[@LondonerUK64]

Bhai how do I sell my neya Pakistan certificate I don't see option in my Roshan digital account

[@SafiullahWasiullah]

Check with support service

[@tinytv5008]

Bhai naya Pakistan certificate k liye konsa Bank best hai,please reply urgent,thanks in advance

[@SafiullahWasiullah]

Watch my playlist of RDA

[@fayyazahmed6936]

Sir ye calculator ap humen b dy dy sakty hn

[@maheenvlogs7764]

Ya pir saal Matlab jesey ak Sall k liy li ya pir 2 saal kiyea 5 lac li tu 2saal k ander jama ker k Dena hogya ya pir her mene kuch pesey Dene hungry please bahi kuch bolen

[@talalqadri3781]

Good video please make a comparative with our National savings bank rates. Secondly NPCs have same 10 pct tax deduction for both Filer & Non Filer

[@SafiullahWasiullah]

Yes

[@sabasaba3292]

@@SafiullahWasiullah kya ye Sood hai?

[@SafiullahWasiullah]

@@sabasaba3292 Islamic bank sey len

[@sabasaba3292]

@@SafiullahWasiullah waha Sood NH hota Islamic bank sw kya??

[@SafiullahWasiullah]

@@sabasaba3292 Ulma tu yahe kehte hen

[@noshipk]

sir ya roshan degital saving main mle ga ya carant account main

[@SafiullahWasiullah]

RDA mey

[@fatna22]

Sir what do you suggest, should we open it in pkr with 10.5% rate or in USD WHICH is almost 6 %. Which account in your opinion we should open for naya pakistan certificate thanks

[@SafiullahWasiullah]

PKR

[@mismail2194]

Invest in reyals will I get reyals after maturity ?

[@SafiullahWasiullah]

U can invest in PKR, USD, EUR and GBP

[@sarmadali5905]

Kia Pakistan ma rahny walay bi apply Kr skty hn ya sirf over seas KY liy ha.

[@SafiullahWasiullah]

Nops

[@adnanrais9834]

Well explained tutorial for Pakistanis sitting abroad on how to invest in their home country while being at your home. Since I am new to investment world & interested to invest for this particular scheme, I have a few queries for which I seek your assistance. 1) For example I buy a certificate of PKR 1 Lac with a tenor period of 3 months. Does it mean that I should sustain the balance of min. 1 Lac in my roshan account for 3 months? 2) Will profit be calculated on behalf of balance available in my roshan account? 3) If tenor period ends, will it renew automatically or will I have to apply once more?

[@SafiullahWasiullah]

Thanks for your kind appreciation. Roshan Digital Account is mandatory to invest in Naya Pakistan Certificate, RDA offers many options but its upto you that which one you avail, let suppose u have 2 lacs in ur RDA and u invest 1 lac in NPC so the bank will deduct this 1 lac from ur acc and provide u 1 lac digital Cert......NPC can not extend, u have to invest again. I hope it clarifies ur queries. Will be thankful for ur support to share further.

[@adnanrais9834]

@@SafiullahWasiullah So it means if I get a profit of 3000 PKR in 3 months tenor on investment of 1 Lac PKR then I will get 1 Lac back along with the profit amount (minus WHT) to my account? Can I keep on adding amount to current certificate? I learnt through this post RDA does not allow cash withdrawals. Only payment and transfers are allowed. My question is I have a local account there in Pakistan. Would I be able to transfer funds from local accounts to RDA or its meant for only foreign remittances?

[@adnanrais9834]

And will I be able to get the funds back to the country of residence (outside Pakistan) if I open an RDA?

[@SafiullahWasiullah]

@@adnanrais9834 yes repatriation is allowed.

[@adnanrais9834]

Thanks. Appreciate if u may even reply to the query raised earlier than repatriation question

[@sajidnoor1768]

السلام عليكم انوسمنت کس میں بہتر ہے روپیوں میں یا ڈالرز

[@SafiullahWasiullah]

Dollars

[@fayyazahmed6936]

Sir 200000 ka 3 sal k liye kitna profit banta h

[@TajweedQuran123]

🌷🌷🌷

[@SafiullahWasiullah]

Shukria