*Disclaimer: The rates used are based on current State Bank of Pakistan (SBP) guidelines. Profit rates are subject to change by the SBP. Calculations are estimates. 3-year and 5-year certificates pay profit semi-annually.
function calculateNPCProfit() {
var currency = document.getElementById('investmentCurrency').value;
var amount = parseFloat(document.getElementById('investmentAmount').value);
var tenure = document.getElementById('investmentTenure').value;
var taxRate = parseFloat(document.getElementById('taxStatus').value);
if (isNaN(amount) || amount <= 0) {
alert('Please enter a valid investment amount.');
return;
}
var annualRate = 0;
// Dynamic rates based on current NPC structures (Approximate)
var rates = {
'PKR': { '3m': 21.00, '6m': 21.25, '12m': 21.50, '3y': 17.50, '5y': 15.00 },
'USD': { '3m': 8.25, '6m': 8.50, '12m': 9.00, '3y': 9.00, '5y': 9.00 },
'GBP': { '3m': 7.25, '6m': 7.50, '12m': 8.00, '3y': 8.00, '5y': 8.00 },
'EUR': { '3m': 6.25, '6m': 6.50, '12m': 7.00, '3y': 7.00, '5y': 7.00 }
};
annualRate = rates[currency][tenure];
var tenureInYears = 0;
if (tenure === '3m') tenureInYears = 3/12;
else if (tenure === '6m') tenureInYears = 6/12;
else if (tenure === '12m') tenureInYears = 1;
else if (tenure === '3y') tenureInYears = 3;
else if (tenure === '5y') tenureInYears = 5;
var grossProfit = amount * (annualRate / 100) * tenureInYears;
var taxAmount = grossProfit * taxRate;
var netProfit = grossProfit – taxAmount;
var totalMaturity = amount + netProfit;
document.getElementById('resAnnualRate').innerText = annualRate.toFixed(2) + '%';
document.getElementById('resGrossProfit').innerText = currency + ' ' + grossProfit.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resTax').innerText = currency + ' ' + taxAmount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resNetProfit').innerText = currency + ' ' + netProfit.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resMaturity').innerText = currency + ' ' + totalMaturity.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('npcResultBox').style.display = 'block';
}
function updateRateOptions() {
// This can be used to update UI if rates vary significantly by currency min amounts
document.getElementById('npcResultBox').style.display = 'none';
}
The Naya Pakistan Certificate (NPC) is a premier investment instrument launched by the Government of Pakistan, specifically designed for non-resident Pakistanis (NRPs) and resident Pakistanis with declared assets abroad. Managed by the State Bank of Pakistan (SBP), these certificates offer highly competitive profit rates in both local (PKR) and foreign currencies (USD, GBP, EUR).
How the NPC Profit Rates Calculator Works
Calculating your return on investment for Naya Pakistan Certificates requires understanding three main variables: the currency of investment, the tenure (duration), and the prevailing tax laws. Our calculator uses the latest revised rates to provide an estimate of your maturity value.
Key Features of NPC
Multiple Currencies: Invest in PKR, USD, GBP, or EUR.
Flexible Tenures: Choose between 3 months, 6 months, 12 months, 3 years, and 5 years.
Repatriability: Funds and profits are fully repatriable to your country of residence without requiring any special approval.
Taxation: A full and final withholding tax is deducted at the source (10% for non-residents). No tax filing is required in Pakistan for these gains.
Current Profit Rate Structure (Example)
While rates are subject to change by the State Bank of Pakistan, the typical structure follows a tiered approach where PKR investments yield significantly higher nominal rates compared to foreign currency certificates. Below is a realistic example of how profits are calculated:
Tenure
USD Rate (p.a)
PKR Rate (p.a)
3 Months
8.25%
21.00%
12 Months
9.00%
21.50%
5 Years
9.00%
15.00%
Frequently Asked Questions (FAQs)
1. Is the profit paid monthly?
For short-term certificates (3, 6, and 12 months), the profit is paid at maturity along with the principal. For long-term certificates (3 and 5 years), the profit is paid on a semi-annual basis (every 6 months).
2. Can I encash my certificate before maturity?
Yes, premature encashment is allowed after one month. However, if you encash before the completion of a specific tenure, the profit rate applicable to the nearest completed tenure (or a lower rate) may be applied, and some charges may apply.
3. Do I need a Roshan Digital Account (RDA)?
Yes, Naya Pakistan Certificates can only be purchased through a Roshan Digital Account opened with any of the participating banks in Pakistan.
4. Is the profit subject to Zakat?
No, Naya Pakistan Certificates are exempt from compulsory Zakat deduction at the source.
Investment Strategy Tip
Investors often choose PKR certificates to take advantage of the high double-digit interest rates, which are significantly higher than inflation-adjusted returns in many Western economies. However, one must consider the exchange rate risk. If you prefer stability in value, USD or GBP certificates offer premium rates compared to traditional savings accounts in those respective countries.