SBP adds SAR, AED to Naya Pakistan Certificates

MG News | June 01, 2026 at 02:52 PM GMT+05:00

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June 01, 2026 (MLN): The State Bank of Pakistan has issued updated rates of return for Conventional Naya Pakistan Certificates (NPCs), effective June 1, 2026. In a significant expansion, NPCs will now also be available in Saudi Arabian Riyal (SAR) and UAE Dirham (AED), in addition to the existing USD, PKR, GBP, and Euro denominations.

Under the revised structure, PKR-denominated certificates continue to offer the highest returns, ranging from 11.75% for a 3-month term to 12.75% for a 5-year term.

USD and GBP holders can earn between 6.75% and 7.75%, and 6.75% to 8.00% respectively, while Euro certificates offer 4.75% to 6.25%.

The newly added SAR and AED certificates carry identical rates, starting at 6.50% for 3 months and going up to 7.50% for a 5-year term, according to SBP notice.

For SAR transactions, funds are to be remitted to Saudi National Bank in Riyadh, while AED investments will be routed through First Abu Dhabi Bank in Abu Dhabi. All remittances are payable to the State Bank of Pakistan.

Currency	Minimum Investment	3-Month Rate	6-Month Rate	12-Month Rate	3-Year Rate	5-Year Rate
USD	1,000 with integral multiples of 500	6.75%	7.00%	7.25%	7.50%	7.75%
PKR	10,000 with integral multiples of 1,000	11.75%	12.00%	12.25%	12.50%	12.75%
GBP	1,000 with integral multiples of 500	6.75%	7.25%	7.50%	7.75%	8.00%
Euro	1,000 with integral multiples of 500	4.75%	5.25%	5.50%	6.00%	6.25%
SAR	1,000 with integral multiples of 500	6.50%	6.75%	7.00%	7.25%	7.50%
AED	1,000 with integral multiples of 500	6.50%	6.75%	7.00%	7.25%	7.50%

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