The State Bank of Pakistan (SBP) has launched a modern online platform called ‘InvestPak’, designed to make investing in government securities fully digital. This new system aims to simplify the investment process for both individuals and corporate customers, allowing them to manage everything online without visiting a bank branch.
What is InvestPak?
InvestPak is a web-based and mobile-accessible portal that enables users with PKR bank accounts to easily open Investor Portfolio of Securities (IPS) accounts, place bids in government bond auctions, and trade securities through a secure digital interface.
The service officially becomes available on November 6, and it represents a major step toward digital transformation in Pakistan’s financial system.
Purpose of the InvestPak Portal
The main goal behind the InvestPak initiative is to make investment in government securities simple, transparent, and accessible to everyone.
In the past, investors had to deal with physical paperwork, lengthy verification processes, and multiple branch visits. InvestPak eliminates all these hurdles by allowing users to complete every step — from account opening to investment — completely online.
By doing this, SBP hopes to:
- Encourage more people to invest in government bonds
- Promote financial inclusion across Pakistan
- Enhance transparency and efficiency in the investment process
- Reduce reliance on physical documentation and intermediaries
Key Features of InvestPak
- Digital Account Opening
Investors can open IPS accounts online through the InvestPak portal without visiting a branch. - Online Auctions and Trading
Users can take part in government securities auctions by submitting competitive or non-competitive bids directly from their accounts. - Secondary Market Trading
The platform allows buying and selling of securities in the secondary market. Banks will provide real-time buy and sell rates during business hours. - Unified Interface
Investors who have multiple IPS accounts across different banks can view and manage them from a single dashboard. - Fast Processing and Transparency
Banks must complete customer onboarding within 48 hours. Any rejections must include valid reasons, which the State Bank will monitor for fairness. - Automated Updates and Support
The system includes automated portfolio updates, transaction tracking, and a complaint management system to handle user issues efficiently.
Support from Banks and Institutions
The SBP has instructed all commercial banks and primary dealers to assist customers in using the InvestPak system.
Additionally, microfinance banks are encouraged to enable access for their account holders, helping extend this facility to rural and small-scale investors as well.
This cooperative effort will ensure that more people — from professionals to small business owners — can safely invest in Pakistan’s financial instruments.
Why InvestPak Matters for Pakistan
The introduction of InvestPak is a significant milestone in Pakistan’s journey toward digital banking and financial inclusion.
It not only simplifies investment for ordinary citizens but also helps the government attract more domestic investors to support the country’s economic stability.
By removing the need for paper-based processes and reducing dependency on intermediaries, SBP is making financial markets more transparent, efficient, and accessible to everyone.
Conclusion
The State Bank of Pakistan’s InvestPak portal is a game-changing step in modernizing the investment landscape of the country.
Through this digital platform, individuals and businesses can now invest in government securities quickly, securely, and conveniently — right from their computers or smartphones.
