You Can Now Invest in Pakistan With Just Rs 5,000
Finance Minister Aurangzeb launches InvestPak portal — buy government securities from your phone, no bank visit, no broker required. Here’s how the new digital investment platform works.
InvestPak Portal Live in Pakistan: How Anyone Can Now Invest in Government Securities From Rs 5,000 — No Bank Visit Needed
Federal Finance Minister Muhammad Aurangzeb on Monday launched the State Bank of Pakistan’s InvestPak portal — a fully digital investment platform that lets any Pakistani citizen buy government securities (T-bills, PIBs, GIS) for as little as Rs 5,000 from their phone, with no bank visit and no broker required.
For decades, investing in Pakistani government securities — Treasury Bills (T-bills), Pakistan Investment Bonds (PIBs), and Government Investment Schemes (GIS) — was a privilege of the wealthy and well-connected. Citizens had to visit a bank branch, fill out forms, wait for primary auctions, and pay commissions. The State Bank of Pakistan has now changed all of that with the launch of the InvestPak portal, a fully digital investment platform that lets any Pakistani with a bank account invest in government securities for as little as Rs 5,000 — all from their phone, with no bank visit required.
What InvestPak is and why it matters
InvestPak is a dedicated web portal and mobile application ecosystem developed by the State Bank of Pakistan (SBP) to fully digitise the process of investing in government securities. It allows:
| What you can do | How InvestPak enables it |
|---|---|
| Open an IPS account | Open an Investor Portfolio of Securities (IPS) digital account entirely online |
| Bid in primary auctions | Submit competitive and non-competitive bids in SBP’s primary auctions of T-bills and PIBs |
| Trade in secondary market | Buy and sell government securities in the secondary market by requesting live quotes from your bank |
| Track portfolio in real time | All transactions auto-reflected in your portfolio; no manual reconciliation |
| Raise complaints online | Built-in complaint management system; track issues directly online |
| Invest from Rs 5,000 | Minimum investment of Rs 5,000 (down from much higher previously) |
InvestPak is built under SBP’s Strategic Vision 2028 and represents the most significant democratisation of Pakistan’s capital markets in decades.
How InvestPak works: step-by-step
For a typical Pakistani citizen wanting to invest through InvestPak:
Visit investpak.sbp.org.pk or download the InvestPak mobile app from Google Play / App Store. The interface is in English and Urdu.
Enter your bank account IBAN. The portal verifies your identity through your linked CNIC and bank account — no separate sign-up.
If you don’t already have an Investor Portfolio of Securities (IPS) account, request one through the portal — your bank processes it within 1-3 days.
Transfer money from your bank account (or JazzCash/Easypaisa) to your IPS account. Minimum Rs 5,000.
Browse upcoming T-bill, PIB, and GIS auctions. Submit competitive or non-competitive bids with your desired amount and tenure.
Once your bid is accepted, you hold the security until maturity (earning periodic profit), or trade it in the secondary market for liquidity.
Profit payments are credited to your bank account automatically on scheduled dates.
The full flow takes 15-20 minutes for a first-time user; subsequent investments take 2-3 minutes.
What you can invest in
InvestPak gives retail and corporate investors access to all major government securities:
| Security | Tenure | Typical yield (2026) | Who it’s for |
|---|---|---|---|
| Treasury Bills (T-bills) | 3, 6, or 12 months | 10.5-11.5% | Short-term savers, businesses |
| Pakistan Investment Bonds (PIBs) | 3, 5, 7, 10, 20, 30 years | 11.5-13.5% | Long-term savers, retirees, institutions |
| Government Investment Schemes (GIS) | 3, 5, 10 years | Variable (profit-sharing) | Shariah-compliant savers |
| Ijara Sukuk | 1-5 years | Variable (Shariah-compliant) | Islamic finance investors |
Yields vary with the policy rate and market conditions; current yields are well above typical bank deposit rates.
Why this is a game-changer for ordinary Pakistanis
Before InvestPak, investing in government securities was cumbersome. The new portal eliminates the friction:
| Aspect | Before InvestPak | After InvestPak |
|---|---|---|
| Minimum investment | Rs 100,000+ typical | Rs 5,000 |
| Process | Bank visit, paperwork, broker | 100% online |
| Account opening | 1-2 weeks | 1-3 days |
| Bidding | Through bank officer | Direct from app |
| Costs | Brokerage, commissions | Free for retail |
| Accessibility | Urban, educated, wealthy | All Pakistanis with bank account |
| Time required | Days to weeks | 15-20 minutes |
This is the biggest single democratisation of Pakistan’s capital markets in decades.
What Finance Minister Aurangzeb said at the launch
Speaking at the launch ceremony at the SBP Karachi office, Finance Minister Muhammad Aurangzeb described the portal as:
“This is the beginning of a new era for investment in Pakistan. The InvestPak portal represents a decisive step toward democratising investment by giving ordinary citizens — especially youth, corporates, and institutions — direct digital access to safe sovereign investment opportunities. As the investor base expands, banks will have greater space to focus on their core responsibility of lending to the private sector and supporting productive economic activity.”
The Finance Minister also announced that individuals can begin investing with as little as Rs 5,000 through the JazzCash or Easypaisa apps, making the platform accessible even to those without a traditional bank account.
What SBP Governor Jameel Ahmad said
SBP Governor Jameel Ahmad framed InvestPak as a defining moment for Pakistan’s financial landscape:
“InvestPak marks a defining milestone in the evolution of Pakistan’s financial landscape. This is not just a technology platform, but the realisation of a long-held vision — to build an inclusive, deep, and efficient government securities market. InvestPak will usher in a new era of digital access and empowerment for investors across Pakistan.”
What you can earn with Rs 5,000
Example returns for a Rs 5,000 investment in T-bills at current rates:
| Tenure | Approx yield | Profit (Rs) | Total at maturity |
|---|---|---|---|
| 3-month T-bill | 10.5% | ~131 | 5,131 |
| 6-month T-bill | 11% | ~275 | 5,275 |
| 12-month T-bill | 11.5% | ~575 | 5,575 |
| 5-year PIB | 12.5% | ~3,125 (over 5 years) | 8,125 |
| 10-year PIB | 13% | ~6,500 (over 10 years) | 11,500 |
Even small amounts grow meaningfully over time, and the returns are far higher than typical bank deposit rates (currently 9-10.5% for 1-year TDRs).
Who can invest through InvestPak
Eligibility is broad:
| Investor type | Eligible? | Requirements |
|---|---|---|
| Pakistani citizens (18+) | ✅ Yes | CNIC, bank account (or JazzCash/Easypaisa), IBAN |
| Joint account holders | ✅ Yes | Both CNICs, joint bank account |
| Minors (under 18) | ✅ Yes (with guardian) | B-Form, guardian CNIC, minor’s bank account |
| Corporates | ✅ Yes | Company registration, NTN, corporate bank account |
| Trusts / NGOs | ✅ Yes | Trust deed, bank account, registration documents |
| Non-resident Pakistanis | ✅ Yes (special procedure) | NICOP / POC, foreign bank account, special ROA account |
| Foreign nationals | 🔄 In progress | Special procedures being developed |
The platform is designed to be inclusive across all segments of society.
What this means for Pakistan’s financial system
InvestPak is structurally important for Pakistan’s financial sector:
| Effect | How InvestPak supports |
|---|---|
| Reduces government bank borrowing | Wider investor base means less reliance on commercial bank financing |
| Frees up bank lending | Banks can focus on private sector lending instead of buying government securities |
| Deepens capital markets | More retail participation creates a deeper, more liquid market |
| Financial inclusion | Brings unbanked / underbanked citizens into the formal financial system |
| Tax base | Wider investment base enables better tax tracking and revenue collection |
| Retail savings culture | Encourages systematic saving through accessible, high-yield instruments |
The structural impact on Pakistan’s financial system is significant.
What are the risks
Like all investments, government securities carry some risks:
| Risk | How it applies | Mitigation |
|---|---|---|
| Sovereign risk | Theoretically possible, but extremely rare for Pakistan’s T-bills and PIBs | Government securities are the safest investment class in any economy |
| Inflation risk | If inflation exceeds yield, real returns decline | Longer-tenure PIBs typically outpace inflation |
| Reinvestment risk | When short-term T-bills mature, the new rate may be lower | Build a ladder of T-bills at different maturities |
| Liquidity risk | Secondary market for retail investors is still developing | Hold to maturity to avoid this risk |
For most ordinary savers, government securities are the safest investment option available — safer than bank deposits (which have the same sovereign risk) and significantly safer than stocks or real estate.
How InvestPak compares to other options
For a typical retail saver with Rs 5,000-100,000:
| Option | Min amount | Yield (2026) | Risk | Liquidity |
|---|---|---|---|---|
| InvestPak T-bills | Rs 5,000 | 10.5-11.5% | Very low | High (secondary market) |
| InvestPak PIBs | Rs 5,000 | 11.5-13.5% | Very low | Moderate |
| Bank 1-year TDR | Rs 1,000-50,000 | 9-10.5% | Low (DIC insurance up to Rs 500K) | Low (early withdrawal penalty) |
| Mutual fund money market | Rs 500-5,000 | 9-11% | Low | High (T+1 redemption) |
| PSX stocks | Rs 100+ per share | Variable (8-15% expected) | High | High (T+2 settlement) |
| Gold | 1 gram (~Rs 37,000) | Variable (15-25% in 2024-26) | Moderate | High |
InvestPak offers a strong risk-adjusted return profile: yields comparable to or higher than bank deposits, with very low risk and good liquidity.
How InvestPak fits with broader SBP reforms
InvestPak is the latest in a series of SBP digital-finance reforms:
| Reform | Launched | What it does |
|---|---|---|
| Raast instant payments | January 2021 | Free instant P2P transfers via mobile number / CNIC / IBAN |
| Raast QR bill payments | 2024-2026 | QR code payments for utility bills via banking apps |
| Raast P2M merchant payments | 2024-2025 | Merchant QR payments across retail outlets |
| InvestPak portal | July 6, 2026 | Digital investment in government securities |
| Future: PAK RuPay card | Q4 2026 (planned) | Domestic payment card on RuPay network |
InvestPak is a logical extension of SBP’s digital infrastructure: payments (Raast), savings (InvestPak), and identity (Pak Identity / NADRA).
## Frequently asked questions
Related coverage on Life in Pakistan
For the Raast payment ecosystem context, our SBP Raast QR payments coverage walks through digital payment rails. For bank-account setup that backs investment, our online bank account opening guide is essential. For CNIC verification that backs investor identity, our CNIC status online guide explains the linkage. For Super App context that aggregates federal services, our Pakistan Super App coverage is relevant.
Sources: State Bank of Pakistan official press release (July 6, 2026), Finance Minister Muhammad Aurangzeb launch ceremony speech, SBP Governor Jameel Ahmad remarks, SBP Strategic Vision 2028, JazzCash / Easypaisa / banking partner integration data, National Savings data, Pakistan Bureau of Statistics, Dawn, The News International, Express Tribune, Business Recorder, ARY News, Geo News, Samaa TV. Yields and rates current as of July 2026; specific yields may vary with each auction.
