Roshan Digital Accounts (RDA) offer overseas Pakistanis attractive returns on savings and investments in Pakistan. But do you pay tax on the profit earned? This guide explains the complete tax treatment of Roshan Digital Account income for 2026, and how Kamboh Associates helps overseas Pakistanis with their FBR compliance remotely.
Is Roshan Digital Account Profit Taxable?
The profit earned on Roshan Digital Account deposits is subject to withholding tax in Pakistan. However, for non-resident Pakistanis, the WHT deducted at source is generally the final tax - meaning you do not need to file a Pakistani income tax return solely because of your RDA profit. However, if you also own property, have a Pakistani NTN, or earn other Pakistani-source income, you may still have filing obligations.
Tax Treatment of RDA Investments
| RDA Product | WHT Rate | Final Tax? |
|---|---|---|
| Naya Pakistan Certificate (PKR) | 10% on profit | Yes for non-residents |
| Naya Pakistan Certificate (USD) | 10% on profit | Yes for non-residents |
| Bank Savings Account Profit | 15% on profit | Yes for non-residents |
| Stock Market Dividends | 15% | Yes for non-residents |
| Property Rental Income | Variable | Requires return filing |
When You Must File Despite RDA: Even as a non-resident, you must file an income tax return in Pakistan if you own property, earn rental income, have business income in Pakistan, or want to claim a refund of excess WHT. Kamboh Associates handles all of this remotely.
Our Services for RDA Holders
- NTN registration for overseas Pakistanis
- Income tax return filing (if required)
- Property income tax compliance
- WHT refund claim processing
- Wealth statement preparation for Pakistani assets
- FBR notice response
RDA Tax Queries? Ask Our Experts
WhatsApp 0328-4675162 from anywhere in the world. Free consultation on your RDA tax obligations and Pakistani income.