Roshan Digital Account

Q:   What is the 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 fund transfers, remittances, bills & fee payments, and invest in various instruments including stocks/shares.

Q:   Which brokers are currently offering trading accounts for Roshan Digital Account Holders?

A:    To view the list of brokers that are integrated with CDC and offering Roshan Digital Account, please click on the following link:


Q:  What kind of investments can I opt for via the Roshan Digital Account?

A:    Roshan Digital Account offers the following options for investment:

  • 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 the 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

Q:   What is a trading account and what is its purpose?

A:    A trading account is opened on behalf of the investor with a broker and is used for trading in shares.

Q:   What is UIN and its purpose?

A:    Unique Identification Number (UIN) is used to authenticate each trade and transaction executed in the stock market. Registered UINs are provided to the stock exchange by NCCPL and brokers must enter UIN while trading.

Q:   What is a custody account and what is its purpose?

A:    A custody account is a shared custody account opened with CDC.

Q:   What is DSS and what role does it play in Roshan Digital Account?

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

Q:    How can I start investing in the Pakistan Stock Market if I have a 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 the Pakistan Stock Market through Roshan Digital Account:

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

Click ‘I Agree to the Terms and Conditions for investing in the Pakistan Capital Market

Selection of Broker


Q:    What happens after I provide the above?

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

Q:   What happens after the acknowledgment email?

A:    In 24 hours of receiving the acknowledgment 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. Opening of your trading account with your selected broker.
  2. Creation and registration of your Unique Identification Number (UIN).
  3. Opening of your custody account (CDC Account).
  4. Activation of Direct Settlement Service (DSS) in your investor account (if you have opted for the same).
  5. Creation of your CDC web access login ID and password.

Q:   How would I know about the broker’s commission and other trading details?

A:    You will be contacted directly by your broker regarding their fee and commission structure and other trading details. Please note that before the opening of your trading account, the broker will perform their own due diligence and may ask for more details/information.

Q:   Do I need to do anything else before initiating my first trade?

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

Q:   How do I initiate my first trade/purchase transaction?

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

Q:   How long after my purchase will I receive the shares in my CDC account?

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

Q:   How do I sell shares?

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

Q:   When do I receive the cash against my sale?

A:    At T+2 (2 business days after the 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.

Q:   How do I receive my corporate action entitlements?

A:    All corporate action entitlements will be credited to 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 the CDC access web portal and app.

Q:   How do I pay the broker’s commission?

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

Q:   What are NCCPL’s charges and how do I pay them?

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 the schedule of NCCPL’s fee and charges, please refer to

Q:   Is there any additional fee for the direct settlement service?

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

For more information, please visit:

For any queries or concerns related to RDA account opening, Please contact us through the following channels;

Customer Support Department

Mr. Ali Tahir
Direct: 9221-35822251,
PABX: 9221-35364665-68 Ext: 121
For Complaints:
For Account Opening Click here
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