KARACHI – The State Bank of Pakistan (SBP) has launched a new digital platform, InvestPak, to simplify and digitize investment in government securities for both individuals and corporates. The initiative provides a seamless, paperless channel for investing in Market Treasury Bills (MTBs), Pakistan Investment Bonds (PIBs), and other government-backed instruments.
Developed by the SBP, InvestPak allows customers with rupee accounts in banks, primary dealers (PDs), and microfinance banks (MFBs) to digitally open Investor Portfolio of Securities (IPS) accounts, place bids in primary auctions, and buy or sell securities in the secondary market — all without visiting a bank branch.
“All banks are mandated to facilitate customer registration on the portal,” the SBP said in its circular, adding that MFBs are also encouraged to participate. “Financial institutions must ensure high service standards and a smooth user experience.”
As of June 30, 2025, investment in government securities stood at Rs46.566 trillion, with scheduled banks holding Rs38.7 trillion (83%) and corporates Rs7.856 trillion (17%). The inclusion of individual investors through InvestPak is expected to expand participation and strengthen the government’s domestic borrowing base.
The portal also allows users to link and manage multiple rupee and IPS accounts across different institutions via a single registration. Financial institutions are required to process onboarding requests within two working days.
By offering access to both primary auctions and secondary market trading, InvestPak aims to increase transparency, accessibility, and efficiency in Pakistan’s financial ecosystem while supporting digital inclusion across the investment landscape.
