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Sohni Dharti Remittance Program
UBL Digital

Sohni Dharti Remittance Program

A Loyalty program specially designed for Overseas Pakistanis, which allows them to earn reward points on non-repatriable utilization of remittance. Redemption of these points will be made at participating Public Sector Entities (PSEs) product and services, free of cost.

Roshan Digital Account customers can download Android or iOS app to register, accumulate and redeem points. Reward points will be rewarded to the customers based upon the below criteria:

Virtual Category Annual Remittance Amount (fiscal year) Awarding Ratio (% of remittance amount)
Green Up to USD 10,000/- Eqv. 1.00%
Gold From USD 10,001 /– to USD 30,000/- Eqv. 1.25%
Platinum 30,001/- to USD 50,000/- USD Eqv. 1.50%
Diamond More than 50,001/- USD Eqv. 1.75%



Reward points can be redeemed on following PSEs:

Public Sector Entity Services to be offered for Redemption through NRLP
PIA Intl’ Air Tickets, Payment for extra luggage on PIA int’l flights
FBR Mobile Phone duty payment- personal baggage Payment of Duty on Imported Vehicle
NADRA Renewal of CNIC/ NICOP
Passport Office Renewal of Passports
State Life/ MoOP&HRD Renewal of Passports Life Insurance/Takaful premium payment
OPF OPF Schools’ fee
Utility Stores Corp Utility Stores purchases
BE&OE Payable Fee

Download the app now, and enjoy the benefits of Sohni Dharti Remittance Program. In case you have not applied for UBL Roshan Digital Account, click here.

Frequently Asked Questions:

Q1: What is Sohni Dharti Remittance Program?

Sohni Dharti Remittance Program is an initiative of the Government of Pakistan to incentivize Overseas Pakistanis who send remittance in their RDA account for transactions. The eligible transactions for this program include:

  1. Local utilization of funds (non-repatriable) in Pakistan by Roshan Digital Account holders (It is further explained below).

Q.2: Why should I join Sohni Dharti Remittance Program?

You will be eligible to receive reward points on every remittance transaction you send to Pakistan. These points will be awarded on the basis of the assigned criteria, and you can avail exclusive services at participating Public Sector Entities (PSEs) through in-App redemption process.

Q3: Who can register for Sohni Dharti Remittance Program?

UBL Roshan Digital Account holder can register on SDRP to register, accumulate, and redeem reward points.
This Program is effective from October 1, 2021. The reward points will be awarded and accumulated for transactions during a financial year starting from July 1st to June 30th. However, in the first fiscal year 2021-2022 points will be awarded for the period from October 1, 2021 to June 30, 2022.

Q4: How can I register for the Sohni Dharti Remittance Program?

Simply download the Sohni Dharti Remittance Mobile App from the Google Play Store or Apple App Store. Input few registration details, including your active mobile number and set a password and your registration request will be processed.

  1. Android: https://bit.ly/3Irbsys
  2. iOS: https://apple.co/3ImM2BS
Click here to view how to register.

Q5: How can I register my beneficiary?

As a Remitter, you can register a Beneficiary against his/her valid CNIC number by using the Mobile App. The beneficiary will receive a registration code along with the App download link on SMS on provided mobile number, using which he/she can enroll as a Beneficiary. The registration code is valid for 03 days, after which the request will expire, and you will have to re-add the beneficiary.

Q6: Can I claim the reward for my remittances sent into Roshan Digital Account?

The remittances received in RDA account (PKR and FCY) will be eligible for reward points once amount is consumed for expenses i.e. the RDA holder spends the amount to meet certain expenses. For example, a UBL RDA holder pays education fees of his/her dependents in Pakistan, pays rent for residence, top-up mobile phone, medical or insurance expenses or any similar expenses, will become eligible for reward points. Further, reward points may be earned on the funds spent for Roshan Apni Car or Roshan Samaaji Khidmat. However, the unspent balance in PKR or FCY account and amount invested in property, stocks, NPCs and INPCs etc. is repatriable and will not be eligible for rewards under SDRP.

Q7: I have a joint RDA with a resident of Pakistan, can I earn the reward points on my joint RDA?

Yes, joint RDA holders will be eligible for reward points provided remittances received in RDA (PKR and FCY) are utilized for the expenses stated above.