Inflows into Roshan Digital Accounts (RDA) rose to $213 million in December 2025, reflecting a month-on-month increase of $32 million, compared to $181 million in November. With this, total cumulative inflows since launch have reached $11.707 billion.

Data compiled from the State Bank of Pakistan (SBP) indicates that outflows in the form of repatriation and domestic utilization amounted to $170 million during December. This resulted in an increase of $43 million in the Net Repatriable Liability (NRL) for the month.

Breaking down December outflows, $25 million was repatriated abroad, while $143 million was consumed locally.

Cumulatively, total repatriation and domestic utilization now stand at $9.476 billion, comprising $1.943 billion repatriated and $7.532 billion utilized within Pakistan. Based on these figures, the Net Repatriable Liability is calculated at $2.231 billion, equivalent to 19.06% of total RDA inflows.

A further breakdown of the NRL shows:

• $499 million invested in Conventional Naya Pakistan Certificates (NPCs)
• $1.024 billion in Islamic NPCs
• $106 million deployed in equities
• $543 million remaining as account balances
• $59 million categorized as other liabilities

During the ongoing fiscal year, total RDA inflows have reached $1.144 billion, marginally higher than $1.087 billion recorded during the same period last year. Outflows during the current fiscal year stood at $903 million, compared to $788 million in the corresponding period of FY25.

The month of December also saw continued interest from overseas Pakistanis, with 10,093 new accounts opened, taking the cumulative number of RDA accounts to 893,130.

For context, the highest monthly inflow into RDAs was recorded in June 2021 at $310 million, while the highest single-month outflow occurred in July 2022, when the NRL declined by $330 million due to elevated repatriation and domestic utilization.