RDA – Roshan Equity Investment (NRPs)

Invest on Pakistan Stock Exchange
from Overseas

Foreign persons and institutions as well as Overseas Pakistanis can invest in securities listed on Pakistan Stock Exchange. They can benefit from potential growth opportunities available through investing in the Stock Market. For non-resident Pakistanis, investing in PSX is specially an attractive opportunity as it will enable them to benefit from the competitive returns from the Pakistani Capital Market while being stakeholders in their homeland’s economy.


Investment in Pakistan Stock Market
through

Roshan Digital Account

Overseas Pakistanis can invest in financial instruments being traded on Pakistan Stock Exchange by opening a Roshan Digital Account with an SBP designated commercial banks.

To open Roshan Digital Account, Non-Resident Individual Pakistani can access any of the designated banks’ website / portal / app and fill Digital Account Opening Form, entering required information & submitting soft copies of documents. Bank will perform its Know Your Customer (KYC) and due diligence based on the information provided and confirm the status of Account Opening to the individual in 48 hours.


Bank Alfalah Limited

Dubai Islamic Bank

Faysal Bank Limited

Habib Bank Limited

MCB Bank Limited

Meezan bank Limited

Samba Bank Limited

United Bank Limited

Habib Metropolitan Bank Limited

The Bank of Punjab

Allied Bank Limited

Bank Al-Habib Limited

JS Bank Limited

Aba Ali Habib Securities (Private) Limited

Abbasi & Company (Pvt) Limited

Adam Securities Limited

AKD Securities Limited

Akik Capital (Private) Limited

AL Habib Capital Markets (Pvt.) Limited

Alfalah CLSA Securities (Pvt) Limited

Alpha Capital (Private) Limited

Amanah Investments Limited

Arif Habib Limited

Askari Securities Limited

Azee Securities Pvt. Limited

BIPL Securities Limited

BMA Capital Management Limited

Cedar Capital Pvt. Limited

Chase Securities Pakistan (Private) Limited

Darson Securities Limited

Dawood Equities Limited

EFG-HERMES Pakistan Limited

Fawad Yusuf Securities (Pvt) Limited

FDM Capital Securities (Pvt.) Limited

First National Equities Limited

Fortune Securities Limited

Foundation Securities (Pvt.) Limited

Habib Metropolitan Financial Services Limited

IGI Finex Securities Limited

Insight Securities (PVT) Limited

Intermarket Securities Limited

Ismail Iqbal Securities (Pvt.) Ltd.

JS Global Capital Limited

K&I Global Capital (Pvt.) Limited

Ktrade Securities Limited

Market 786 (Pvt.) Limited

MRA Securities Limited

Muhammad Munir Muhammad Ahmed Khanani Securities Limited

Multiline Securities Pvt Limited

Next Capital Limited

Pearl Securities Limited

R.T. Securities (PVT) Limited

Rahat Securities Limited

Shajarpak Securities (Pvt.) Ltd.

Spectrum Securities Limited

Standard Capital Securities (PVT) Limited

Summit Capital (Pvt.) Limited

Taurus Securities Limited

Topline Securities Limited

Trust Securities & Brokerage Limited

Vector Securities (Pvt.) Limited

WE Financial Services Limited

Y.H. Securities (Pvt.) Limited

Yasir Mahmood Securities (Pvt) Limited

Zafar Securities (Private) Limited

Zahid Latif Khan Securities (Pvt.) Ltd


Investing in Stock Market through
Roshan Digital Account

Roshan Digital Account holders can easily opt to invest in the Pakistan Stock Market by selecting ‘Investment in Stock Market’ on the bank’s website / portal / app and taking the following three further steps:

After the aforementioned steps, Central Depository Company (CDC) will
facilitate for the following:

It is important to note that the selected Bank and Broker may ask for additional information / documents, if required.

After deposit of funds in the cash account, Roshan Digital Account holders will be able to invest in the stock market through the trading app provided by their broker.



Buy and Sell Transactions

The Buy and Sell Transactions will take place as follows:



Frequently Asked Questions (FAQs) - Roshan Digital Account (RDA)

    ROSHAN DIGITAL ACCOUNT

A: Roshan Digital Account provides an opportunity for Non-Resident / Overseas Pakistanis to remotely open a bank account with SBP designated Pakistani banks through an entirely digital and online process. This account will enable them to avail banking services like funds transfer, remittances, bills & fee payments, and invest in various instruments including stocks / shares.

A: To view the list of banks that are offering the option to invest in Pakistan Capital Market through Roshan Digital Account, please click on the following link:

https://www.psx.com.pk/psx/resources-and-tools/investors/investing-on-psx-from-overseas

A: Roshan Digital Account allows multiple options for investment which are as follows:

  • Shares quoted on the stock exchange in Pakistan.
  • Pakistani-rupee denominated Deposit products of the banks maintaining the account.
  • Pakistani rupee-denominated debt securities of Government of Pakistan (including Pakistani-rupee Naya Pakistan Certificates, T-bills, PIBs, Sukuk and any other registered securities of the government as notified from time to time).
  • Residential and commercial real estate

A: A Trading Account is opened on behalf of the Investor with a broker and is used for trading in shares.

A: A. In order to authenticate each trade and transaction executed in the stock market, NCCPL registers investors by assigning a Unique Identification Number (UIN). Registered UINs are provided to the stock exchange by NCCPL and it is mandatory for brokers to enter UIN while trading.

A: A Custody Account is a shares custody account opened with CDC.

A: Direct Settlement Service (DSS) is a web based service through which IAS Account Holders can settle their trades executed at Stock Exchange directly through their respective IAS Account. Investors have to contact the broker only for the execution of trades. Further details about Direct Settlement Service are available on the following link:

https://www.cdcpakistan.com/businesses/others/direct-settlement-services/

    INVESTING IN PAKISTAN STOCK EXCHANGE THROUGH ROSHAN DIGITAL ACCOUNT:

A: First, you have to select “Investment in Stock Market” on your bank’s portal / website / app. With the following three further steps, you can start investing in Pakistan Stock Market through Roshan Digital Account:

  • Click on the ‘Consent’ tab to share Roshan Digital Account details with Central Depository Company (CDC) and other capital market entities
  • Click ‘I Agree’ to Terms and Conditions for Investing in Pakistan Capital Market
  • Selection of Broker

A: You will receive an ‘Acknowledgement Email’ from CDC as soon we receive the consent and information from your bank.

A: In 24 hours of receiving the acknowledgement mail from CDC and if your information/credentials were found complete and correct, you will receive an Account Opening Package email from CDC, comprising of the following actions and details:

  1. 1. Opening of your Trading Account with your selected broker.
  2. 2. Creation and Registration of your Unique Identification Number (UIN).
  3. 3. Opening of your Custody Account (CDC Account).
  4. 4. Activation of Direct Settlement Service (DSS) in your Investor Account (if you have opted for the same).
  5. 5. Creation of your CDC Web Access Login ID and Password.

A: You will be contacted directly by your broker regarding its Fee and Commission Structure and other trading details. Please note that before the opening of your Trading Account, broker will perform its own due diligence and may ask for more details / information.

A: Before you initiate your first trade, you have to initiate a Fund Transfer request from your Roshan Digital Account to CDC Bank Account maintained with your bank (details of which were provided with the Account Opening Package).

A: You can purchase shares through broker’s online trading app / portal easily within the amount transferred by you to CDC.

A: At T+2 (2 business days after transaction), CDC will pay cash on your behalf against the purchase and will receive shares in your CDC Account. CDC will notify you about the transaction.

A: You can sell your already purchased shares through your broker’s online trading app / portal easily.

A: At T+2 (2 business days after transaction), CDC will transfer the shares out of your CDC Account and will receive cash on your behalf, which will be readily available for any further transactions.

A: All Corporate Action entitlements will be credited in your CDC Account. Your Cash Dividends will also be made available with CDC. All information regarding Corporate Actions will be provided to your bank and will be available to you through CDC Access web portal and app.

A: CDC will pay your broker’s commission from the cash transferred by you from your Roshan Digital Account to CDC bank account.

A: NCCPL charges are applicable on the clearing of trades and will be deducted by CDC, details of which will be provided to you. For schedule of NCCPL’s fee and charges, please refer to www.nccpl.com.pk

A: No, this service is FREE-OF-COST for Overseas Pakistanis.

Investment in Pakistan Stock Market
through

Roshan Digital Account

Overseas Pakistanis can invest in financial instruments being traded on Pakistan Stock Exchange by opening a Roshan Digital Account with an SBP designated commercial banks.

Roshan Digital Account (RDA)

Frequently Asked Questions (FAQs)


To open Roshan Digital Account, Non-Resident Individual Pakistani can access any of the designated banks’ website / portal / app and fill Digital Account Opening Form, entering required information & submitting soft copies of documents. Bank will perform its Know Your Customer (KYC) and due diligence based on the information provided and confirm the status of Account Opening to the individual in 48 hours.

Bank Alfalah Limited

Faysal Bank Limited

Habib Bank Limited

MCB Bank Limited

Meezan bank Limited

Samba Bank Limited

United Bank Limited

Dubai Islamic Bank

Habib Metropolitan Bank Limited

The Bank of Punjab

Allied Bank Limited

Bank Al-Habib Limited

JS Bank Limited

Aba Ali Habib Securities (Private) Limited

Abbasi & Company (Pvt) Limited

Adam Securities Limited

AKD Securities Limited

Akik Capital (Private) Limited

AL Habib Capital Markets (Pvt.) Limited

Alfalah CLSA Securities (Pvt) Limited

Alpha Capital (Private) Limited

Amanah Investments Limited

Arif Habib Limited

Askari Securities Limited

Azee Securities Pvt. Limited

BIPL Securities Limited

BMA Capital Management Limited

Cedar Capital Pvt. Limited

Chase Securities Pakistan (Private) Limited

Darson Securities Limited

Dawood Equities Limited

EFG-HERMES Pakistan Limited

Fawad Yusuf Securities (Pvt) Limited

FDM Capital Securities (Pvt.) Limited

First National Equities Limited

Fortune Securities Limited

Foundation Securities (Pvt.) Limited

Habib Metropolitan Financial Services Limited

IGI Finex Securities Limited

Insight Securities (PVT) Limited

Intermarket Securities Limited

Ismail Iqbal Securities (Pvt.) Ltd.

JS Global Capital Limited

K&I Global Capital (Pvt.) Limited

Ktrade Securities Limited

Market 786 (Pvt.) Limited

MRA Securities Limited

Muhammad Munir Muhammad Ahmed Khanani Securities Limited

Multiline Securities Pvt Limited

Next Capital Limited

Pearl Securities Limited

R.T. Securities (PVT) Limited

Rahat Securities Limited

Shajarpak Securities (Pvt.) Ltd.

Spectrum Securities Limited

Standard Capital Securities (PVT) Limited

Summit Capital (Pvt.) Limited

Taurus Securities Limited

Topline Securities Limited

Trust Securities & Brokerage Limited

Vector Securities (Pvt.) Limited

WE Financial Services Limited

Y.H. Securities (Pvt.) Limited

Yasir Mahmood Securities (Pvt) Limited

Zafar Securities (Private) Limited

Zahid Latif Khan Securities (Pvt.) Ltd

Investing in Stock Market through Roshan Digital Account

Roshan Digital Account holders can easily opt to invest in the Pakistan Stock Market by selecting ‘Investment in Stock Market’ on the bank’s website / portal / app and taking the following three further steps:

ConstentCONSENT

Clicking on the ‘Consent’ tab to share Roshan Digital Account details with Central Depository Company (CDC) and other capital market entities

ConstentI AGREE

Clicking ‘I Agree’ to Disclaimer / Terms and Conditions for Investing in Pakistan Capital Market

ConstentBROKER

Select broker from the designated brokerage houses list

After the aforementioned steps, Central Depository Company (CDC) will facilitate for the following:

Trading Account Unique Identification Custody Account Depository Company

It is important to note that the selected Bank and Broker may ask for additional information / documents, if required.

After deposit of funds in the cash account, Roshan Digital Account holders will be able to invest in the stock market through the trading app provided by their broker.

Roshan Digital

Buy and Sell Transactions

The Buy and Sell Transactions will take place as follows:

Buy Transaction

Buy Transaction

Sell Transaction

Buy Transaction

Frequently Asked Questions (FAQs) - Roshan Digital Account (RDA)

    ROSHAN DIGITAL ACCOUNT

A: Roshan Digital Account provides an opportunity for Non-Resident / Overseas Pakistanis to remotely open a bank account with SBP designated Pakistani banks through an entirely digital and online process. This account will enable them to avail banking services like funds transfer, remittances, bills & fee payments, and invest in various instruments including stocks / shares.

A: To view the list of banks that are offering the option to invest in Pakistan Capital Market through Roshan Digital Account, please click on the following link:

https://www.psx.com.pk/psx/resources-and-tools/investors/investing-on-psx-from-overseas

A: Roshan Digital Account allows multiple options for investment which are as follows:

  • Shares quoted on the stock exchange in Pakistan.
  • Pakistani-rupee denominated Deposit products of the banks maintaining the account.
  • Pakistani rupee-denominated debt securities of Government of Pakistan (including Pakistani-rupee Naya Pakistan Certificates, T-bills, PIBs, Sukuk and any other registered securities of the government as notified from time to time).
  • Residential and commercial real estate

A: A Trading Account is opened on behalf of the Investor with a broker and is used for trading in shares.

A: A. In order to authenticate each trade and transaction executed in the stock market, NCCPL registers investors by assigning a Unique Identification Number (UIN). Registered UINs are provided to the stock exchange by NCCPL and it is mandatory for brokers to enter UIN while trading.

A: A Custody Account is a shares custody account opened with CDC.

A: Direct Settlement Service (DSS) is a web based service through which IAS Account Holders can settle their trades executed at Stock Exchange directly through their respective IAS Account. Investors have to contact the broker only for the execution of trades. Further details about Direct Settlement Service are available on the following link:

https://www.cdcpakistan.com/businesses/others/direct-settlement-services/

    INVESTING IN PAKISTAN STOCK EXCHANGE THROUGH ROSHAN DIGITAL ACCOUNT:

A: First, you have to select “Investment in Stock Market” on your bank’s portal / website / app. With the following three further steps, you can start investing in Pakistan Stock Market through Roshan Digital Account:

  • Click on the ‘Consent’ tab to share Roshan Digital Account details with Central Depository Company (CDC) and other capital market entities
  • Click ‘I Agree’ to Terms and Conditions for Investing in Pakistan Capital Market
  • Selection of Broker

A: You will receive an ‘Acknowledgement Email’ from CDC as soon we receive the consent and information from your bank.

A: In 24 hours of receiving the acknowledgement mail from CDC and if your information/credentials were found complete and correct, you will receive an Account Opening Package email from CDC, comprising of the following actions and details:

  1. 1. Opening of your Trading Account with your selected broker.
  2. 2. Creation and Registration of your Unique Identification Number (UIN).
  3. 3. Opening of your Custody Account (CDC Account).
  4. 4. Activation of Direct Settlement Service (DSS) in your Investor Account (if you have opted for the same).
  5. 5. Creation of your CDC Web Access Login ID and Password.

A: You will be contacted directly by your broker regarding its Fee and Commission Structure and other trading details. Please note that before the opening of your Trading Account, broker will perform its own due diligence and may ask for more details / information.

A: Before you initiate your first trade, you have to initiate a Fund Transfer request from your Roshan Digital Account to CDC Bank Account maintained with your bank (details of which were provided with the Account Opening Package).

A: You can purchase shares through broker’s online trading app / portal easily within the amount transferred by you to CDC.

A: At T+2 (2 business days after transaction), CDC will pay cash on your behalf against the purchase and will receive shares in your CDC Account. CDC will notify you about the transaction.

A: You can sell your already purchased shares through your broker’s online trading app / portal easily.

A: At T+2 (2 business days after transaction), CDC will transfer the shares out of your CDC Account and will receive cash on your behalf, which will be readily available for any further transactions.

A: All Corporate Action entitlements will be credited in your CDC Account. Your Cash Dividends will also be made available with CDC. All information regarding Corporate Actions will be provided to your bank and will be available to you through CDC Access web portal and app.

A: CDC will pay your broker’s commission from the cash transferred by you from your Roshan Digital Account to CDC bank account.

A: NCCPL charges are applicable on the clearing of trades and will be deducted by CDC, details of which will be provided to you. For schedule of NCCPL’s fee and charges, please refer to www.nccpl.com.pk

A: No, this service is FREE-OF-COST for Overseas Pakistanis.