What Is Pakistan Banao Certificates Scheme And How Can You Benefit From It

In a first move of its kind for the  overseas Pakistanis, the government of Pakistan has launched Pakistan Banao Certificates (PBC). The Certificate is the first sovereign retail instrument offered by the Government of Pakistan (GoP) that provides overseas Pakistanis a chance to contribute to their country’s development as well as earn substantial returns.

Announcing the launch of the scheme in Islamabad on Thursday, the Prime Minister, Imran Khan stated:

“The government has given an attractive return on these certificates and it would not only help the Pakistani diaspora to earn reasonable profit from these certificates but also extend a helping hand towards reviving the national economic at this critical juncture.”

The Pakistan Banao Certificates scheme has been devised to attract investment from overseas Pakistanis to help strengthen the national economy. Through the scheme the overseas Pakistanis who want to take part in improving the conditions of the motherland, get a unique opportunity to invest their savings without a worry. The promised profit rates are higher than offered in United States, Europe, Gulf countries, and this is in addition to the satisfaction of contributing to the national economy.

The PBCs are available for 3 years and 5 years maturity. In case of three years plan, the profit rate will be 6.25 percent payable bi-annually; while for the five years plan, the profit rate will be 6.75 percent payable bi-annually.

What is Pakistan Banao Certificates scheme And How Can You Register

Guaranteed by the Government of Pakistan, the Pakistan Banao Certificates scheme offers the overseas Pakistanis to earn profits from their investment in the certificates. The Overseas Pakistanis buy the Certificates and their investments will not only adds to Pakistan’s foreign reservoirs but they also get profits from it.

The subscription model provided for investment in PBC is through a specially designed Web-Portal. It is easy and completely automated.

  • Register yourself on the portal in the first step and
  • Give your investment and bank account details on successful registration.
  • PBCs are issued electronically on receipt of funds in State Bank of Pakistan Account given on the portal.
  • You receive confirmation of the issuance of the certificates both through email and updation of account on the portal.
  • You can view the status of your application by accessing the web-portal through your respective User ID and Password.

Eligible Investors

The holders of any one or more of following documents and having own bank account abroad, are eligible to subscribe the PBCs.

      • Pakistani individual having Computerized National Identity Card (CNIC).
      • Pakistani individual having National Identity Card for Overseas Pakistanis (NICOP).
      • Holders of Pakistan Origin Card (POC).

Minimum Investment Amount

Minimum investment amount is USD 5,000 or higher in the integral multiple of US$1,000. There is no maximum limit for investment.


  • Profit applied on PBC is on bi-annual basis
  • PBC maturity can be availed in USD as well as PKR
  • PKR maturity of PBC has an added incentive of 1% on the final premium
  • PBC can be en-cashed at any time. The USD encashment within one year of issuance, however, entails 1 percent penalty
  • PBC encashment application can also be submitted online
  • PBC profit and redemption proceeds shall be periodically delivered to the investors’ accounts


  1. Abdul khan

    01/02/2019 at 4:25 pm

    Hi, I don’t think you will get a lot of people to invest in this (PBC) .time are hard these days $5000 is a lot of money, why don’t the Pakistani government open the stock market (online) to the overseas Pakistani would have been better.

  2. muhammad shaikh

    02/02/2019 at 7:03 am

    I really think its a good idea. I say idea is idea may be you don’t succeed but you will get some result and I wish Pakistan all ideas succeed. but the only problem i see is minimum 5000$ yes its right times are hard abroad for Pakistanis we live here we see it they struggle. if you would have put no minimum no maximum everybody could have had chance to invest something and would have gladly played role helping Pakistan

  3. None

    02/02/2019 at 2:58 pm

    Pakistani Government will never fail to reach new levels of Incompetency. You are asking for a favour from overseas Pakistanis,you charge 500 to 1500 rs at your airports if someone is taking flights outside.Your embassies litteraly has pipms working, just enjoying the west and not facilitating the nationals. Yet the Pak Givt has the audacity of levying a 1% penality on encashment within one year. No one will invest keep bagging around.

  4. Jamil Khan

    03/02/2019 at 1:22 am

    The idea is good but the amount is very high
    I think that the middle class overseas also want contribute in it.. Maybe the Government should need to reduce the amount to 700 to 2000 US 💵 anyhow we wish them for a best. We hope that Pakistan economy will grow up.Inshallah

  5. Yamin Khalid

    03/02/2019 at 7:48 am

    1. Pakistanies are now more aware and careful in choosing an interest bearing investment. This should be based on Islamic principles instead.
    2. Minimum investment has been set to be too high.
    3. To set Pakistan on a strong industrial footing you have to provide subsidised electricity (with indigenous solar cell production).

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