Investing in Naya Pakistan Certificate (NPC) is a great opportunity for individuals looking to grow their wealth and contribute to the development of Pakistan. The NPC is a government-backed savings scheme that offers attractive returns and various benefits. In this article, we will guide you through the process of investing in NPC, helping you make informed decisions and maximize your investment.

Understanding Naya Pakistan Certificate

Naya Pakistan Certificate is a unique investment opportunity offered by the Government of Pakistan to overseas Pakistanis and resident Pakistanis. These certificates are available in both US Dollars and Pakistani Rupees, allowing individuals to invest in their preferred currency. The NPC offers competitive returns and flexible tenures, making it an attractive choice for investors.

Eligibility and Required Documentation

To invest in NPC, individuals must meet certain eligibility criteria. Resident Pakistanis, as well as overseas Pakistanis, are eligible to invest in the certificate. The required documents vary for resident and non-resident investors. Resident Pakistanis need to provide their National Identity Card (NIC) or Computerized National Identity Card (CNIC), while overseas Pakistanis must submit their National Identity Card for Overseas Pakistanis (NICOP) or Pakistan Origin Card (POC).

The Process of Investing in NPC

Investing in NPC is a straightforward process. Here are the steps you need to follow:

  1. Choose the Currency: Decide whether you want to invest in NPC in US Dollars or Pakistani Rupees. Consider your financial goals and the currency that aligns with your investment strategy.
  2. Select the Tenure: Determine the duration for which you want to invest in NPC. The certificate offers various tenures, ranging from 3 months to 5 years. Evaluate your financial targets and the level of risk you are willing to take before finalizing the tenure.
  3. Visit Designated Banks: NPC can be obtained through designated banks in Pakistan. Visit any of the authorized banks to open an NPC account. The banks will guide you through the application process and provide the necessary forms.
  4. Submit Documentation: Fill out the application form provided by the bank and submit it along with the required documentation, such as your NIC, CNIC, NICOP, or POC. Ensure that all documents are accurate and up to date to avoid any delays or complications.
  5. Deposit Funds: Once your documentation is verified, deposit the desired amount of funds in your NPC account. You can transfer the funds from your existing bank account or make a cash deposit at the designated bank branch.
  6. Receive NPC Certificate: After the funds are successfully deposited, you will be issued an NPC certificate. This certificate serves as proof of your investment and includes details such as the amount invested, tenure, and expected return.

Benefits of Investing in NPC

Investing in NPC offers several benefits that make it an attractive investment option. Some of the key benefits include:

  • Competitive Returns: NPC offers attractive returns, which can help accelerate your wealth growth.
  • Low Risk: As the NPC is a government-backed investment scheme, it carries a low risk compared to other investment options.
  • Tax Exemption: The profit earned from NPC is exempted from income tax for resident Pakistanis.
  • Flexible Tenures: NPC offers flexibility in choosing the tenure, allowing investors to align their investments with their financial goals.
  • Contributing to Pakistan’s Development: By investing in NPC, you are contributing to the development of Pakistan’s economy and infrastructure.

Redemption and Withdrawal Process

At the end of the chosen tenure, you can redeem your NPC investment and withdraw the funds. Redemption can be done through the designated bank branch where you initially invested. Fill out the redemption form and provide the required documents, including your identification proof. The bank will process your request, and the funds will be transferred to your designated bank account.


Investing in Naya Pakistan Certificate is a smart choice for individuals looking to grow their wealth while contributing to the development of Pakistan. By understanding the process, eligibility criteria, and benefits, you can make informed investment decisions and maximize your returns. Consult with financial advisors, evaluate your financial goals, and take advantage of this government-backed savings scheme to secure a brighter future.