For overseas Pakistanis, Roshan Digital Account (RDA) has opened a new chapter in financial connectivity with their homeland. Introduced by the State Bank of Pakistan, the RDA allows Non-Resident Pakistanis (NRPs) to remit, save and invest through a fully digital process. Among its many offerings, mutual funds have emerged as an accessible option for those looking to diversify their portfolios while contributing to Pakistan’s financial markets.
Understanding Roshan Mutual Funds
Mutual funds pool money from multiple investors and allocate it across a mix of assets, including money market instruments, fixed income securities, and equities. This diversification can help manage risk and provide steady growth opportunities. Through the RDA, NRPs can now invest in these funds without the need for a physical presence in Pakistan.
Bank AL Habib’s Offering
Bank AL Habib is among the institutions facilitating access to Roshan Mutual Funds, working in partnership with AL Habib Asset Management. A variety of funds are available, ranging from money market and income funds to equity and Shariah-compliant options. This range allows investors to select funds that align with their financial goals and tolerance for risk.
Benefits and Considerations
Investing through Roshan Mutual Funds offers several advantages:
- Professional management by licensed fund managers
- Diversification across multiple asset classes
- Digital access via the RDA platform
- Flexibility between conventional and Shariah-compliant choices
- Repatriation of proceeds under SBP rules
- Ease of Liquidity
- Complete transparency of transactions
Like all investments, mutual funds come with risks. Money market funds generally aim for stability, while equity-based funds are better suited for long-term investors who can weather market fluctuations. NRPs are encouraged to assess their personal risk appetite before choosing.
Getting Started
The process is simple: open a Roshan Digital Account with a participating bank such as Bank AL Habib, select from the available mutual funds, and invest online. Redemption is equally straightforward, with proceeds credited back to the RDA.
For more details on specific funds and eligibility, overseas Pakistanis can explore Bank AL Habib’s official Roshan Digital Account portal and https://www.bankalhabib.com/roshan-mutual-funds
