Many overseas Pakistanis living in UK, USA, Australia, Canada, Oman, Saudi Arabia, and Dubai want to invest in the Pakistan Stock Market but don’t know how to start.
The good news is:
👉 You can invest in the Pakistan Stock Exchange (PSX) completely online while living abroad.
This guide explains the entire process step by step, from opening accounts to buying your first stock.
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Step 1: Open a Roshan Digital Account (RDA)
The first and most important step is to open a Roshan Digital Account (RDA).
A Roshan Digital Account is designed specifically for overseas Pakistanis and allows you to:
• Send money to Pakistan
• Invest in the stock market
• Earn dividends and capital gains
• Repatriate profits easily
• Manage everything online without visiting Pakistan
You can open an RDA with any Pakistani bank. However, Islamic banks are generally preferred because they provide access to Shariah-compliant investment products.
Many investors choose Meezan Bank because it offers:
• Fully Islamic banking
• Shariah-compliant stock market access
• A smooth online RDA process
👉 Open Roshan Digital Account here:
https://www.meezanbank.com/roshan-digital-account/
The process is fully online and usually takes a few days once documents are submitted.
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Step 2: Receive Your Banking Credentials
Once your Roshan Digital Account is approved, you will receive:
• Your bank account details
• Online banking login
• Access to fund transfers
This account will act as your base account for investing in Pakistan.
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Step 3: Open an Equity (Brokerage) Account
After your RDA is active, the next step is to open an equity trading (brokerage) account.
This account allows you to:
• Buy and sell shares listed on the Pakistan Stock Exchange (PSX)
• Choose between Islamic (Shariah-compliant) or conventional trading
• Track your investments online
Meezan Bank provides a simple way to open a PSX brokerage account using your RDA.
👉 Open PSX investment account here:
https://www.meezanbank.com/invest-in-psx/
You can select a brokerage firm through this link and complete the process online.
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Step 4: Transfer Funds to CDC (Very Important Step)
Once you transfer money from your overseas bank account to your Roshan Digital Account, there is an important technical step you must follow.
⚠️ Important:
This step must be done using the bank’s web portal (desktop browser) — not the mobile app.
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How the CDC Transfer Works
After logging in to the web portal of Meezan Bank, you will see a default option called “CDC Transfer.”
Here’s how the system works:
• You do not transfer funds directly to the brokerage account
• You transfer funds to your CDC (Central Depository Company) account
• Your CDC account is already linked with your brokerage account
Once the CDC transfer is completed, funds automatically become available for stock trading.
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Important Detail About the Initial Deposit
• PKR 5,000 is retained in the CDC account as a mandatory deposit
• Any amount above PKR 5,000 is automatically transferred to your brokerage account
• No manual transfer to the broker is required
This process is automatic, so you don’t need to worry about moving funds again.
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Simple Flow of Funds
✔ Overseas bank → Roshan Digital Account
✔ Login via web portal (not app)
✔ Use CDC Transfer option
✔ PKR 5,000 stays in CDC
✔ Remaining amount goes to brokerage account automatically
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Step 5: Start Investing in the Pakistan Stock Market
Once funds are available in your brokerage account, you can start investing in:
• Blue-chip companies
• Dividend-paying stocks
• Shariah-compliant stocks
• Long-term growth opportunities
Dividends and profits are credited back to your account and can be repatriated overseas.
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Why This Process Is Ideal for Overseas Pakistanis
✔ 100% online process
✔ Regulated and supervised by State Bank of Pakistan
✔ Easy fund transfers and repatriation
✔ Access to Islamic and conventional investments
✔ No need to visit Pakistan
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Final Reminder
Stock market investing involves risk. Always:
• Understand the business before investing
• Avoid emotional and short-term decisions
• Focus on long-term wealth creation
This content is for educational purposes only and not a buy or sell recommendation.
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Quick Links Recap
🔗 Roshan Digital Account:
https://www.meezanbank.com/roshan-digital-account/
🔗 Invest in PSX (Brokerage Account):
https://www.meezanbank.com/invest-in-psx/
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