The State Bank of Pakistan (SBP) has officially launched InvestPak, a groundbreaking digital platform that allows citizens and businesses to invest in government securities directly from their computers or smartphones.
This new initiative marks a significant milestone in Pakistan’s financial digitalization journey, making government bond investments easier, faster, and fully paperless.
What Is InvestPak?
InvestPak is a web and mobile-based portal designed by the State Bank of Pakistan to streamline and modernize investment in Pakistan Investment Bonds (PIBs), Treasury Bills (T-Bills), and other government-backed securities.
Through this system, both individual and corporate investors with Pakistani bank accounts can:
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Open Investor Portfolio of Securities (IPS) accounts online.
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Participate in government bond auctions digitally.
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Trade and manage government securities in real time — without visiting bank branches or filling out physical forms.
The InvestPak service will officially go live on November 6, 2025, accessible through both web browsers and a dedicated mobile app.
Key Features of the InvestPak Portal
The InvestPak portal brings convenience and transparency to Pakistan’s financial ecosystem. Here are its main features:
1. Fully Digital Account Opening
Investors can create IPS accounts online without physical documentation or branch visits. The process is fully automated, cutting down approval time significantly.
2. Real-Time Investment in Government Bonds
Users can directly participate in T-Bill and PIB auctions, placing competitive or non-competitive bids via the digital interface.
3. Secondary Market Trading
The portal allows buying and selling of securities in the secondary market.
Commercial banks are required to provide real-time buy/sell quotes during business hours for seamless trading.
4. Unified Account Dashboard
Investors managing multiple IPS accounts across different banks can now access all portfolios from a single dashboard — providing a clear view of their holdings and returns.
5. Quick Onboarding Process
Banks must process all onboarding requests within 48 hours. Any rejections must be justified and reported to the State Bank of Pakistan for monitoring.
6. Automated Portfolio Updates
The system automatically updates balances, holdings, and market values — ensuring that investors always have accurate, up-to-date information.
7. Integrated Complaint Management
A built-in complaint resolution system enables users to report issues or seek assistance directly through the portal for quick redressal.
How to Access the InvestPak Platform
Here’s how investors can start using the SBP InvestPak portal:
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Visit the official website or download the InvestPak mobile app.
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Log in using your bank account credentials or register a new profile.
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Complete KYC verification digitally.
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Open an Investor Portfolio of Securities (IPS) account.
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Start bidding, trading, and tracking government securities online.
🕒 Once registered, investors can view auction schedules, monitor bids, and manage investments 24/7.
Purpose and Vision Behind InvestPak
The State Bank of Pakistan launched InvestPak to transform how Pakistanis engage with government securities. The broader goals include:
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Promoting Financial Inclusion: Bringing retail investors and small savers into the formal investment ecosystem.
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Reducing Paperwork: Eliminating physical documents and manual approvals.
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Enhancing Transparency: Ensuring clear processes for all investors.
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Boosting Retail Participation: Making government securities accessible beyond institutional investors.
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Improving Market Efficiency: Allowing real-time participation and trading through regulated channels.
📈 “InvestPak is a key milestone in widening public access to Pakistan’s government securities market,” said an SBP spokesperson.
Role of Banks and Financial Institutions
To make the portal effective, the State Bank has directed all commercial banks and primary dealers to:
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Enable customer onboarding and IPS account integration.
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Support investors through digital helpdesks.
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Provide real-time trading quotes during working hours.
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Submit periodic reports to the SBP for transparency.
Additionally, microfinance banks have been encouraged to extend the service to their account holders — ensuring access for both urban and rural investors.
Expert Insight
Financial analysts have praised the move, calling InvestPak a “revolutionary step” toward digital investment transformation.
Experts note that by cutting out intermediaries and physical paperwork, SBP has created an inclusive ecosystem where individual investors can participate directly in Pakistan’s debt market — something previously limited to large institutions.
This innovation is expected to deepen Pakistan’s capital markets, attract more savings, and boost confidence among local and overseas investors.
Why InvestPak Matters
| Benefit | Description |
|---|---|
| Accessibility | Enables small and large investors to buy government securities easily. |
| Transparency | All transactions recorded digitally with SBP oversight. |
| Convenience | Online trading via web and mobile – no paperwork. |
| Speed | Account approvals within 48 hours. |
| Security | Centralized under SBP’s regulatory framework. |
The Future of Digital Investment in Pakistan
The launch of InvestPak represents Pakistan’s broader vision to digitize financial markets and empower citizens to take control of their investments.
It aligns with the SBP’s Digital Financial Services (DFS) Roadmap 2025, which focuses on:
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Strengthening the fintech ecosystem.
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Expanding access to financial services.
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Encouraging investment through secure, transparent, and digital systems.
With InvestPak, Pakistan has joined the global trend of online sovereign bond investing, putting the country on track toward financial modernization and economic inclusion.
Quick Summary – SBP InvestPak Portal (2025)
| Category | Details |
|---|---|
| Program Name | SBP InvestPak |
| Launch Date | November 6, 2025 |
| Platform Type | Web & Mobile App |
| Purpose | Digital investment in government securities |
| Users | Individuals & corporate investors |
| Key Benefit | Paperless, transparent, real-time trading |
| Managed By | State Bank of Pakistan |
| KYC / Verification | Online onboarding within 48 hours |
FAQs – SBP InvestPak Portal
Q1. What is InvestPak?
InvestPak is a digital platform launched by the State Bank of Pakistan that allows individuals and companies to invest in government securities online.
Q2. When will InvestPak be available?
The portal and mobile app officially go live on November 6, 2025.
Q3. Who can invest using InvestPak?
Any Pakistani with a valid PKR-denominated bank account can register and invest.
Q4. What types of securities can I invest in?
You can buy and trade Pakistan Investment Bonds (PIBs), Treasury Bills (T-Bills), and other SBP-issued securities.
Q5. How secure is the platform?
The portal operates under SBP’s regulatory oversight, ensuring full transparency, encryption, and security for all transactions.
Final Thoughts
The SBP InvestPak Portal is a game-changer for Pakistan’s investment landscape.
By removing bureaucratic hurdles and introducing digital access to government securities, it opens the door for millions of Pakistanis to become direct investors in the national economy.
With real-time trading, online onboarding, and paperless processes, InvestPak sets a new benchmark for financial transparency and inclusion in the country.