PM Launches Roshan Apna Ghar Scheme

The Prime Minister of Pakistan, Imran Khan, praised the efforts and hard work of the State Bank of Pakistan (SBP) and government agencies in crossing another impressive milestone of $2 billion in deposits in Roshan Digital Accounts (RDA) and developing an exclusive product, Roshan Apna Ghar, for Overseas Pakistanis’ investment in housing in Pakistan.

He said that RDA has provided an excellent platform for overseas Pakistanis to digitally connect to Pakistan’s banking system and meet their financial services needs in Pakistan. He was addressing a gathering of Ministers, Presidents and CEOs of Banks, SBP officials and other distinguished guests at the launch of Roshan Apna Ghar – an initiative of the State Bank of Pakistan for overseas Pakistanis.

The Prime Minister expressed optimism that Roshan Apna Ghar would facilitate overseas Pakistanis to buy a house for themselves or their families in Pakistan, which has been quite difficult for many of them due to a host of manual procedures, mandatory physical visits to Pakistan with long stay to complete the process and the hassle of trips to many offices.

He said that with the introduction of Roshan Apna Ghar, an end to end digital process right from submission of application to the bank to disbursement of funds by banks, overseas Pakistanis would find it much easier to buy a housing unit in Pakistan for themselves or their loved ones either through their own savings or bank financing.


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In his welcome address, Governor SBP, Dr. Reza Baqir thanked the Prime Minister for his vision and firm resolve to integrate the overseas Pakistani community with the country’s economy. Highlighting the performance of Roshan Digital Account, he said that RDA is now a very well-established brand, which has so far connected over 215,000 expats with the country’s banking system and attracted over $2.05 billion since its launch in September last year. He said, it took about 8 months to cross the first major milestone of $1 billion whereas the next 1 billion were received in less than 4 months, which is indicative of the increasing momentum.

Introducing the new product, Dr. Baqir said that Roshan Apna Ghar is an initiative of SBP for Non Resident Pakistanis (NRPs) to buy, build or renovate their homes in Pakistan through their own investment or bank financing.

Complete information on the initiative as well as directions on how to avail it are available at: www.sbp.org.pk/RDA/Ghar

Overseas Pakistanis will be able to complete their transaction completely remotely and digitally and their investment will be fully repatriable. He elaborated that financing is available in both conventional and Shariah-compliant variants at attractive rates for a period of three to 25 years. Through the Roshan Apna Ghar initiative, overseas Pakistanis will also be able to obtain financing under the Mera Pakistan Mera Ghar scheme of the government as well which has been exclusively designed for those who do not already own a house and offers financing at economical rates starting from 3 percent.


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Governor Baqir emphasized that SBP, with the support of all stakeholders, will continue to bring as much ease as possible for overseas Pakistanis.

Speaking at the occasion, the Minister for Finance and Revenue, Shaukat Tarin, said that the innovation of the Roshan Digital Account has proved to be a huge success and instrumental in receiving a substantial investment of over $1.4 billion in Naya Pakistan Certificates. He said that the Ministry of Finance with the help of the State Bank will make every effort to introduce new avenues of investment for overseas Pakistanis.



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