Roshan Equity Investment connects eligible Roshan Digital Account holders with Pakistan Stock Exchange securities through a coordinated digital process involving the selected bank, broker, CDC, NCCPL, and PSX. It is an access route, not a promise of returns, and overseas investors still face company, market, liquidity, currency, tax, and operational risks.
Understand RDA and REI
Roshan Digital Account is the banking relationship described by the State Bank of Pakistan for eligible non-resident customers. Roshan Equity Investment is the facility used to access listed securities through that framework. The official eligibility and onboarding rules can change; confirm them on the current SBP and participating-bank pages before preparing documents.
Follow the official opening sequence
- Open a Roshan Digital Account through a participating bank's verified website, portal, or app and complete the bank's due-diligence requirements.
- Select the equity-investment option and choose an eligible securities broker from the list presented through the official process.
- Review and accept the information-sharing and account terms required to establish the broker, UIN, and CDC custody relationships.
- Wait for confirmation that the relevant trading and custody records are active before transferring an investment allocation.
- Move permitted funds into the designated investment path and place orders only through the verified broker platform.
SBP's Roshan Equity Investment page describes CDC facilitation for the trading account with the selected broker, NCCPL UIN creation, and a CDC custody account. Preserve every confirmation and match names, identifiers, bank details, email, and mobile records.
Understand funding and repatriation
RDA is designed around funds remitted through permitted banking channels and the treatment of eligible investment proceeds. Confirm which currency account feeds the equity route, conversion spreads, transfer cut-off times, cash settlement timing, dividend credits, disinvestment proceeds, and repatriation steps with the bank and broker. Do not route investment funds through an unrelated personal account.
Compare brokers for overseas use
- Verify licence and eligibility through the official RDA or REI process.
- Compare full tariff, minimum commission, custody or service charges, and currency-conversion costs.
- Test support hours against your time zone and confirm the outage or account-lock procedure.
- Review online security, device changes, one-time codes, and recovery when the registered mobile is abroad.
- Ask how contract notes, statements, tax certificates, dividends, rights, and other corporate actions are delivered.
Account for currency and tax
A PSX share can rise in Pakistani rupees while producing a different return in the investor's home currency. Record the exchange rate and conversion cost when funds enter and leave. Taxes and filer treatment are high-change subjects; use the current SBP, FBR, bank, broker, and professional advice relevant to your residence and circumstances rather than a rate copied from an old guide.
Overseas investor checklist
| Stage | Evidence to retain |
|---|---|
| Eligibility | Current SBP criteria and bank approval |
| Broker | Selected legal entity, licence, tariff, and verified platform |
| Market identity | Trading account, UIN, and CDC custody confirmation |
| Funding | Remittance, conversion, and designated-account records |
| Trading | Orders, confirmations, cash ledger, and custody statements |
| Exit | Sale settlement, tax record, conversion, and repatriation trail |
Use KseAlert's public PSX stock directory, financial data, announcements, and charts to organize research before opening the broker order screen. Verify material facts in official company filings and separate the investment thesis from the convenience of digital access.
Use FIPI as overseas market context
The KseAlert FIPI/LIPI dashboard helps overseas investors compare foreign portfolio flows with local mutual-fund, bank, insurance, company, broker, and individual activity. A multi-session view can show which local groups absorbed foreign selling, whether foreign buying was concentrated in particular sectors, and whether the headline index move had broad participation.
FIPI is an aggregate market-flow measure, not a recommendation for an individual stock and not a substitute for currency analysis. Combine it with the company's filings, valuation, liquidity, UIN settlement trend, and the PKR return translated into your home currency before making a decision.
For investor-category definitions, sector-flow examples, and a repeatable dashboard workflow, continue to the complete PSX FIPI/LIPI investor guide.