Wali bhai best way to waive off the conversion charges is; send remittance in PKR RDA and then transfer to USD RDA account from your PKR RDA. Some banks allow RDA to RDA transfer within a same bank.
@SIrfan-qj9oq6 ай бұрын
No security of your money in pakistan. NEVER Ever do that.
@ARaza-oz2xq6 ай бұрын
@@SIrfan-qj9oq Shame on you
@Ashfaq-kwt4 ай бұрын
@Noman bhi which Bank offer this service.(conversion from Pkr RDA to USD RDA) and what are additional charges.
@ahmedwasti29404 ай бұрын
The bigger issue is that I mistakenly used incorrect beneficiary name, now i have no clue where the payment is. It is been now 10 days, and I am running after ADCB to fix the issue, but no response. Ahhh life is crazy at times.
@Nomanash934 ай бұрын
@@Ashfaq-kwt Meezan Bank
@realfxbulls56756 ай бұрын
We as overseas Pakistanis wouldn’t invest a penny until imran khan is back in power. We have had enough of corrupt army and pmln /ppp clowns
@abdulrazaaqsohail8342Ай бұрын
🤣🤣🤣
@Farwa-l5mАй бұрын
Yes 😊
@rohailmadiana88416 ай бұрын
Nice camera and lightning improvement.
@ekasraz746 ай бұрын
If we are not considering moral angle , still one has to see if the current government has the track record of freezing the assets or not ? Furthermore we should always judge our investment based on the health of business environment, do you see Pakistan has the capacity to pay 9% return and sustain it in forex ?
@SIrfan-qj9oq6 ай бұрын
your money will be gone. do not invest in pakistan.
@kachrachi6 ай бұрын
Finally a good question in comments. There's no way Pakistani banks have the capacity to get a 9% return on USD unless there's some govt subsidy involved.
@WaliKhan_2k6 ай бұрын
Banks are not liable to pay - its the government.
@akay64x25 ай бұрын
@@WaliKhan_2k And the government has no money....
@palestinelucas5 ай бұрын
Pakistan corrupt military has destroyed Pakistan. No one should invest there
@Alphaa7862 ай бұрын
Dear Eali Bhai, will u plz guide 1. which bank is best for Roshan digital account. 2. which bank is giving highest interest rate on Roshan digital acctt. 3. Which type of Roshan digital acctis best in pjr or foreign currency?? Plz reply
@AsadKhan-ik4fb6 ай бұрын
Repartition how log it takes?
@Abdullah-pq5jo6 ай бұрын
Brother please Guide. I want to invest in PSX for long term i.e 10 years. Should i invest through RDA like make RDA acoount and then they will connect me with a broker or should i go to pakistan and do it there. I am afraid if the pmln govt messes with RDA then what will happen to my shares? will they be safe in CDC? Please guide.
@shariqhassan12085 ай бұрын
Hi Wali, what are your thoughts on investing in PKR NPC instead of USD considering the profit rate is almost double , even with PKR depreciation , still it will give returns more than USD 9%?
@aliasghar18765 ай бұрын
point to be noted
@muhammadraza79226 ай бұрын
Yes I am agree that being an Overseas Pakistani we should Invest in Pakistan, but in US$.
@flyworld-sq4yh4 ай бұрын
When creating the Roshan Digital Account, i am facing this problem, i am a freelancer web developer living in turkey on a short term residency of 2 years and have the tax number but don't pay taxes on my foreign income coming from usa. which one should i select? Reason A The country where the Account Holder is liable to pay tax does not issue TIN/ NTNs to its residents Reason B The Account Holder is unable to obtain a TIN/ NTN or equivalent tax number (Please explain why you are unable to obtain a TIN/ NTN in the below table if you have selected this reason) Reason C No TIN/ NTN is required. (Note: Only select this reason if the authorities of the country of tax residence entered below do not require the TIN/NTN to be disclosed)
@shahidmahmoodkhan5 ай бұрын
Wali bhai you are doing great job, thank you
@muhammadusmanshafiq59826 ай бұрын
Sir please state life insurance pay video bnay...
@ArifHussain-5Ай бұрын
Mai just monthly profit chahta hon apne bank balance ka to mere liye konsa ac. best rhe ga, plz guide anyone.
@muhammadadilrashid25374 ай бұрын
What is the difference between NPC and INPC in terms of return?
@muhammadmohsin30842 ай бұрын
Wali bhai I am a student on scholarship in Ireland. I dont have any “Proof of profession” required for account opening, what to do?
@kawan58516 ай бұрын
Wali your video quality is improved considerably. Kindly share with us that what gear you are using. Secondly I want to state that one reason of the stagnation in Roshan Digital investment is extreme inflation (easpecially in North America, Canada and UK). Majority investment was flowing from those countries and inflation is eating away most of the savings of many families.
@WaliKhan_2k6 ай бұрын
I have mentioned the gears in the description of the video. The camera is Sony ZVE10, 17mm lens 1.4F 🎬 Tech gear that I use for creating my videos: walikhan.co/the-gadgets-i-use/ I believe the marketing from infamous government is the major issue - else the product is still relevant and outstanding.
@video-times6 ай бұрын
walibhai is it Halal ?@@WaliKhan_2k
@naeemgill886 ай бұрын
Asaan zuban main samjhny k ley main ye samjha hu k agr main chahu to US sy 100 dollar bhjwa skta hu RDA main or saal bad wo 100 dollar 109 hon gy to main easily wapas US transfer kr skta hu? If yes plz comment Wali bhai
@WaliKhan_2k6 ай бұрын
Yes - but 100 USD is a small amount as you will incur while sending and repatriating some transaction cost which is around $25 each.
@sobs14104 ай бұрын
AoA! I am a resident Pakistani and have opened RDA on the basis of 'declared assets abroad'.... however, I'm allowed to open the account in foreign currency only (not PKR) and as far as I know, I can avail of NPCs only... Wouldn't it be better for me to convert my foreign money to PKR n invest in mutual funds... I think that would provide me with a better profit rate n is therefore more beneficial..?
@flyworld-sq4yh5 ай бұрын
bhai ek video yeh bi bana de. how to open a roshan digital account and how to use the account
@muhammadraza79226 ай бұрын
Yes I am agree that being an Overseas Pakistani we should in Pakistan but in US$.
@BeataGergely-w3qАй бұрын
Is there any gruntee that the government will not lock account when they will have financial problems
@kidzmania39335 ай бұрын
UBL took 2-3 months to open my account. And worst customer service. HBL didn’t even responded to open account. These both are worst. Rest of the banks seems ok
@khanuhabib5 ай бұрын
Main question is how easy is repartition? And how long will it take?
@WaliKhan_2k5 ай бұрын
Very easy.
@xDgaming350214 күн бұрын
How long this process takes place, could you explain the process. Thanks and Regards @@WaliKhan_2k
@ArslanZaheerDar6 ай бұрын
Great video. Can you share what “codes” you were referring to save on transfer charges. I am in UAE and aim to open a USD RDA so how can I make saving on transfer fee? Any particular UAE bank, Pak bank combination? Thanks in advance.
@gulberg416 ай бұрын
But the problem is that you cannot make local deposit, if u inherit, sell etc
@WaliKhan_2k6 ай бұрын
That's the whole point of RDA - it's only for inward remittances. But if you invest using RDA in a property / stocks, that amount is repatriable along with any profits.
@YounasKhan-xi8nv2 ай бұрын
Do you use wire transfer to send money to your RDA account or any other option like Remitly, Western Union can be used?
@aurangzaibkhan5307Ай бұрын
Hi sir please tell me if I invest in NPC for 3 month after 3 month profit and principal amount I can withdraw or we can withdraw profit annually ,?
@pakistanarchive5 ай бұрын
You did not mention one thing. One can always invest in pkr in naya pakistan certificate (as rates are better in pkr) and always keep aneye on exchange rates. If USD to PKR partiy fluctuates you can always break naya pakistan certificate and transfer it back to RDA USD. If you have multi currency RDA you can always transfer between accounts.Hope i have explained it better.
@WaliKhan_2k5 ай бұрын
💯 - I think I pinned the comment, if not already, will pin this comment.
@recluze20Ай бұрын
That's exactly what I'm doing/planning. The issue I'm facing is that since these are savings, the amount is going to be large. Do you know what the limit is for going PKR to USD in such a scenario? I read somewhere that we can use the "repatriation" option to transfer from PKR-RDA to USD-RDA. If you know, I'd appreciate the help!
@pakistanarchiveАй бұрын
@@recluze20 yes. Repatriation is the only option if money is larger than 2million rupees. As per meezan bank there is no limit. But they need a day to transfer the funds
@recluze20Ай бұрын
@@pakistanarchive Thanks for the info. I apologize for my ignorance but does "repatriation" include RDA-PKR to RDA-USD transfers as well? Or is it only from Pakistan to abroad? I ask because I don't plan on sending money back to the foreign country. At worst, I want to move to RDA-USD account.
@pakistanarchiveАй бұрын
Please check with your relationship manager. He will guide you
@ArslanZaheerDar6 ай бұрын
Great video. Can you share what “codes” you were referring to save on transfer charges. I am in UAE and aim to open a USD RDA so how can I make saving on transfer fee? Any particular UAE bank, Pak bank combination? Thanks in asvance.
@F762915 ай бұрын
How do you send money to Pakistan to buy property in Pakistan through roshan digital usd saving ?
@ir5606 ай бұрын
Wali bhai. What you recommend USD RDA for how many years best
@pakistaniinchina52526 ай бұрын
35 USd Bank Charges and 3rd party bank charges depend upon amount starting from 30 USD
@WaliKhan_2k6 ай бұрын
It depends on what are banks involved on both sides + the corresponding bank too.
@babakhan12412 ай бұрын
Is it for overseas pakistanis only
@roshank55375 ай бұрын
MAY ALLAH SWT GRANT SOOO MUCH BARAKAT. AMEEN
@mytourandtaste12776 ай бұрын
Thanks for all the information I just wanted to ask I am willing to open RDA in GBP foreign currency account. Kindly guide me if there any benefits on this also is there any foreign currency savings account if there is then any benefits there can we get something in return and will I liable to any tax on returns Advise me what will be best option in terms of accounts and return benefits and are these accounts are still safe to open. Thanks
@therealworld8065Ай бұрын
I am a student and i do job in Russia and i have amount in rubles should i make this Roshan digital account for yhe transactions and in out pkr amount!
@MuhammadAdeelRauf-m4g6 ай бұрын
USD saving account or USD current account ? which is better ? specifically when u r investing in INPC in USD.
@WaliKhan_2k6 ай бұрын
USD savings - and then invest through that for USD INPC.
@sohaibgul40865 ай бұрын
کیا روشن ڈیجیٹل اکاؤنٹ سے روشن اپنی کار والی اوفر موجود ہے اور کتنے پرسنٹ% پر دیتے ہیں رہنمائی فرمائے شکریہ
@nocnoc78826 ай бұрын
Which bank you recommend to open RDA account for both USD and PKR. So that we can keep savings in USD and convert to PKR for local usage.
@WaliKhan_2k6 ай бұрын
Any bank would work - so far HBL & Meezan worked well for me.
@azazulhaq10106 ай бұрын
Is there any update on sohni dharti application which was linked with RDA.will it start again ?
@SweXperts6 ай бұрын
Service has been started but some of the accounts are locked (including mine). I've lodged a complain and got a reply mentioning they are working on it and trying to solve the problem. Since 2 weeks my account is still locked. If your account is not locked you might use this scheme without any problem, this is what I have heard recently!
@WaliKhan_2k6 ай бұрын
I have not used it again - but looks like no one is taking care of it.
@irfanmughal59026 ай бұрын
My account reactive again after lodge the complaint... But redeemed option not working....mean it's just a fraud by fake government
@Shining_star3145 ай бұрын
میں روشن ڈیجیٹل کرنٹ اکاؤنٹ بنانا چاہتا ہوں کرنسی درھم میں جب کبھی واپس منگوانا چاہوں تو چارج لگیں گے کیا؟
@MalikNadeem-r4u6 ай бұрын
Sir mara RDA act hi ma Pakistan shift huraha hu..kiya pechy sa act chalta rahy ga or ma Pakistan sa hi operat krdakta hu.
@Doctorwk2146 ай бұрын
yes, app apna acc use kar sakty ho pakistan jany kay bad be... i am using RDA acc from last 2 years in pakistan.. so koi problem nai hoti... Thanks
@naeemgill886 ай бұрын
One more question since there are very low interest rate in US/Canada would you consider to invest in RDA for safe return of 9% keeping all other factors aside?
@WaliKhan_2k6 ай бұрын
9% is really good for short to medium term.
@Doctorwk2146 ай бұрын
yes 9% is very good, meanwhile you can also consider the bluechips stock in psx on very safe side and diversification. ❤
@azaadawam42406 ай бұрын
Taptap send not available in Saudi Arabia
@voidabinitio5 ай бұрын
witholding tax on interest? I am nt investing because Govt will withold tax even NRP status
@WajidAli-wj1se6 ай бұрын
Wali bhai how it will be if i will take loan from bank in uae at 5% and invest via RDA at 9% return
@WaliKhan_2k6 ай бұрын
Possible - but not worth the hassle for myself.
@Project321_27 күн бұрын
Depreciation of PKR you could end up at a loss
@jaysid82546 ай бұрын
Wali can u make video on halal mutual fund options in uae
@WaliKhan_2k6 ай бұрын
Will try - have to study even if we have proper mutual funds for UAE market.
@ahmedwasti29404 ай бұрын
I have incurred huge deductions when I transferred my AED to Dollar account. Pls advise how to resolve it.
@WaliKhan_2k4 ай бұрын
How much did you transfer? There are 2 work arounds: 1 - Transfer larger amount so deductions of 100-120 AED seems small. 2 - Transfer to PKR RDA and then move the funds to USD within the same bank at ZERO cost.
@ahmedwasti29404 ай бұрын
@@WaliKhan_2k even after using the swift code, the bank is deducting the amount. I transferred AED 20,278 to Meezan Dollar account, which makes 20,278*3.67= $5525 I got $5460 in the account, deduction of $65 + Swift Cost AED 21 in the ADCB ACCOUNT. I know the fixed cost of AED 105 for the bamk transfer is adjusted in $65, but even then the cost was high.
@ahmedwasti29404 ай бұрын
I transferred AED 20,278 to Meezan Dollar account, which makes 20,278*3.67= $5525 I got $5460 in the account, deduction of $65 + Swift Cost AED 21 in the ADCB ACCOUNT. I cant even wave off the swift cost despite using their so called code.
@ZohaibJahan6 ай бұрын
How do you forecast NPC-USD after Pakistan takes $8 billion IMF loan in coming months? Will this 9% change?
@WaliKhan_2k6 ай бұрын
It might go down - but not in near future. Once you lock for 9%, it will remain for the length of the tenure.
@apexworld7046 ай бұрын
Which bank is best in terms of RDA services ? In which bank you have RDA account
@ZohaibJahan6 ай бұрын
Meezan
@kachrachi6 ай бұрын
I suggest Meezan. HBL was a nightmare, hence I switched to Meezan which has been much better.
@apexworld7046 ай бұрын
@@kachrachiwhat about Alfalah ?
@FISLHUSSEN6 ай бұрын
Wali Bhai, How to avoid transfer charges from USD to USD transfer into INPC.
@WaliKhan_2k6 ай бұрын
Transfer to PKR RDA and then move the amount from one RDA to another (PKR -> USD)
@muhammadsalmankhalid51635 ай бұрын
I have tried. It's not working in HBL
@shahbaz__bilal5 ай бұрын
@@muhammadsalmankhalid5163 works fine for me in Meezan bank
@saadatrazzak6 ай бұрын
What is the tax rate on dividend if we invest through Roshan Digital, is this 10%?
@WaliKhan_2k6 ай бұрын
15%
@saadatrazzak6 ай бұрын
@@WaliKhan_2k even for non filers ?
@jiti50346 ай бұрын
9% on USD is it only for Pakistani citizens? Has Pakistan Govt paid back in the past ?
@WaliKhan_2k6 ай бұрын
Pakistani government did not default - except for freezing the USD accounts 25 years back.
@saleemsarwar77466 ай бұрын
Assalamu Alaikum brother, I just subscribed to your channel and I'm interested in investing with RDA. Can you please advise me on which Islamic products to go for with Meezan Bank? I opened the USD investment account in mezzan bank.
@WaliKhan_2k6 ай бұрын
That should be fine - select the USD INPC.
@saleemsarwar77466 ай бұрын
Thanks for confirming. Is this product (INPC) allowed to bring back money to saudia?
@WaliKhan_2k6 ай бұрын
@@saleemsarwar7746 yes - no problem
@user-eo6hq8yl9i5 ай бұрын
which bank good pls for r d a
@pakistanarchive5 ай бұрын
Meezan bank. Islamic and reliable
@HIT0296 ай бұрын
irrespective of who is governing. the current yoyo government. where it is not clear who is in charge. the almost empty treasury where it is surprising for me that the government is able to pay salary. where it is a challenge to secure 1 billion imf loan. where businesses are not safe because of political affiliation. it is not safe to put ones money in RDA, unless one wants to gamble or experiment and dont mind losing the money. big funds will jump at earning a 3 percent return. here besides few Pakistanis, no real investors are interested
@naeemullah65506 ай бұрын
Salam Wali khan bhai, I want to know, how we can see our investments in NPC in HBL RDA. Thank you
@Arsalanzeb6 ай бұрын
Bank app
@naeemullah65506 ай бұрын
@@Arsalanzeb bro, actually where in HBL app? Really i have searched it but didn’t find.
@Arsalanzeb6 ай бұрын
@@naeemullah6550 I used mzn bank.. so there you can see NPC investment. You can ask your rda manager
@WaliKhan_2k6 ай бұрын
HBL does not have the app to track the NPC I believe - but you can get the statement from RM in case its not there.@@naeemullah6550
@naeemullah65506 ай бұрын
Thanks
@rasoolbux26436 ай бұрын
Wali bhai, Can I repatriate my money from RDA to my US bank account? If yes, then y were you talking abt the exchange rate? I am asking about the dillar account? Can I withdraw dollars in Pak from my RDA dollar account?
@kachrachi6 ай бұрын
The answer is yes. Wali made a whole video on this. I have also repatriated out of RDA multiple times.
@rasoolbux26436 ай бұрын
@@kachrachi Did you repatriate from dollar account to back to your doreign dollar account? If yes, then why should the exchange rate affect you when both accounts are in dollars?
@WaliKhan_2k6 ай бұрын
The USD rates would be the same as interbank rates - you might incur some transaction fee which is normal. Even from PKR to USD is flawless.@@rasoolbux2643
@user-eo6hq8yl9i5 ай бұрын
y no reply
@Joana-k4v6 ай бұрын
Wali saheb. Its interest. Sood. Haraam hi nhii bulky jung hy Allah ki aur Allah ky Rasool SAW ki b
@WaliKhan_2k6 ай бұрын
Out of 7 points which one are you referring to?
@kachrachi6 ай бұрын
There's an Islamic option also
@shahzain0096 ай бұрын
can residents of pakistan use this?
@WaliKhan_2k6 ай бұрын
only if they are having declared foreign assets.
@Faryalfamily5 ай бұрын
bhai , app ne kaam kiya baat nahe batai. agar app usd me invest karte ha aur jub app withdraw karte hai to kya app ko usd me hi return ko abroad me USD mil jate ha?
@WaliKhan_2k5 ай бұрын
Yes, 💯
@Faryalfamily5 ай бұрын
@@WaliKhan_2k meri bank management se baat huwi. to aunno ne kaha ke usd app ko wapis nahe mil sakte hai.
@WaliKhan_2k5 ай бұрын
@@Faryalfamily not possible they would say like this :-)
@Faryalfamily5 ай бұрын
@@WaliKhan_2k in that i believe customer service wale ko knowledge nahe hogi. but thanks for claring this up. one last question dubai pe usd aur aed pe ke account pe interest hota hai?
@ZohaibJahan6 ай бұрын
I have to pay 0.7 to 1.5% transfer fee.
@WaliKhan_2k6 ай бұрын
transfer fee is not in %age - its a fixed amount depending on the bank - you must not repatriate small amount.
@ZohaibJahan6 ай бұрын
Sorry, I didn't clarify as I'm not talking about repatriation. It's about transfer charges I pay exchange company to send remittance to Pakistan.
@WaliKhan_2k6 ай бұрын
@@ZohaibJahan even for sending - it should not be in %age. It’s a fixed fee for USD remittances
@reflexologypointsTCM6 ай бұрын
£25 TRANSFER RATE
@WaliKhan_2k6 ай бұрын
thanks for the feedback.
@reflexologypointsTCM6 ай бұрын
@@WaliKhan_2k currently I invested 32lac in rupees for 3 months. That's 21% is the PA or actually for 3months. One advisor says per year they calculate it and work out how much I've earned in 3 months
@MondAlbert-c2k16 күн бұрын
Bernier Lodge
@user-eo6hq8yl9i5 ай бұрын
hw open pls account sir
@captainlover16846 ай бұрын
Sir video short kerk jawo itna bara Chara k viewer bore 🥱 hojata hay
@WaliKhan_2k6 ай бұрын
noted.
@khalidalanazi15616 ай бұрын
dont invest in a military state. u r strengthening them by investing. Oversees can opt for many other options
@kachrachi6 ай бұрын
Sure, please share a few good options.
@WaliKhan_2k6 ай бұрын
By this definition - you are stuck mate. Cannot invest anywhere :)
@user-eo6hq8yl9i5 ай бұрын
hello sir
@waseemVlog8570Ай бұрын
❤
@ekasraz746 ай бұрын
Sir don't bet o political milage , as that is not a consideration by current rulers as fhey are not elected
@WaliKhan_2k6 ай бұрын
By this definition - you are stuck mate. Cannot invest anywhere :)
@ekasraz746 ай бұрын
@WaliKhan_2k my reply relates to justification that no political party will like to lose the milage, while pdm and group came knowingly well that they have to sacrifice that milage to get what they wanted to have , so I want investors to avoid the mistake as there are many better and safe opportunities from overseas Pakistanis ✌️🙏
@WaliKhan_2k6 ай бұрын
@@ekasraz74 there is a boycott campaign ongoing - no place for investors :-)
@Sadia_kamrann6 ай бұрын
❤
@tahirali61586 ай бұрын
Sir repatriation ka tarika smjha den ! Tahir from Oman
@WaliKhan_2k6 ай бұрын
It’s easy - but depend on bank to bank. Usually they have forms on their website or you can approach the RM.
@kachrachi6 ай бұрын
It's very simple, for Meezan you can just do it online
@user-eo6hq8yl9i5 ай бұрын
pls sir i m n muscat
@user-eo6hq8yl9i5 ай бұрын
plz
@daudkhan67974 ай бұрын
This year inflation rate 😂😂😂😂. 24 %
@WaliKhan_2k4 ай бұрын
That's in PKR terms - that too for general commodities. Not necessarily for USD based commodities... That's a huge misconception preventing you to invest properly.
@daudkhan67974 ай бұрын
@@WaliKhan_2k Arre Bhai USD main minimum balance 1000 $ ka Mang Rahe Hain
@malickarsal5 ай бұрын
well who is an idiot to invest in a country with no future, no jobs and nothing. i will never send money or invest anything in this account. i don't know why people invest at all. 😂
@dhokeshakra57976 ай бұрын
السلام علیکم سر میں قطر میں کام کر رہا ہوں اور میرے کزن نے مجھے روشن ڈیجیٹل اکاؤنٹ کے بارے میں بتایا اور اس نے ایک واتساپ نمبر دیا فیصل بینک کا تو میں نے وہاں اپنا یو ایس ڈالر اکاؤنٹ اوپن کیا سر صرف مجھے یہ ڈر لگ رہا ہے کہ میں قطر میں رہ کے واتساپ پر اکاؤنٹ اوپن کرایا ہے تو اس کا کوئی خطرہ تو نہیں او پی ٹی میرے قطر نمبر اور ایمیل ائی ڈی پر ارہا ہے پلیز رپلائی کر دیں
@Nomanash936 ай бұрын
Wali bhai best way to waive off the conversion charges is; send remittance in PKR RDA and then transfer to USD RDA account from your PKR RDA. Some banks allow RDA to RDA transfer within a same bank.
@WaliKhan_2k6 ай бұрын
100% - I forgot to mention this :)
@naeemgill886 ай бұрын
That means there are less chances of conversion hit? And is there any limit of investing in RDA account?
@WaliKhan_2k6 ай бұрын
@@naeemgill88 no limit - the other option is the send in PKR and have another USD account which u can transfer to free of cost.