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Stock Market At Your Doorstep
Stock Market At Your Doorstep
Overseas Pakistanis can now invest in Pakistan Stock Exchange (PSX) through their Roshan Digital Accounts. This is an ideal opportunity for non-resident Pakistanis to invest in Pakistan’s capital market and benefit from the competitive returns offered by PSX while participating in the growth of their native homeland’s economy. Overseas Pakistanis can choose from a wide array of companies listed on the Stock Exchange in several different sectors, build their investment portfolio and earn the potential gains.
Bank AL Habib brings unprecedented convenience to overseas Pakistanis through “GEM” Gateway to Equity Market.
Key Features
One window operation (Facilitating Investment in Shares, Settlement of Trades and Custodial Services)
User friendly, fully automated and integrated system.
Profit on Idle funds in “GEM” Linked Account (opened alongside saving accounts).
Convenient Top up / Withdrawal of Funds and Balance Inquiry (Shares and Funds) through Web Portal and Contact Centre (IVR).
Safe and secure custodial services
Email Alert Facility
Account Opening Process
How to Open a Roshan Equity Investment Account?
Find out more about PSX and CDC
For more details about Pakistan Stock Exchange (PSX) & Central Depository Company of Pakistan Limited (CDC), please click the links below:
Disclosure
Bank AL Habib Limited bears no responsibility for any action / investment made in reliance of research reports of any brokerage house. The analysis and recommendation in the research reports are of the brokerage companies themselves and Bank AL Habib Limited does not recommend any investment decision based on them. Customers are requested to take their own investment decisions considering all influencing elements including but not limited to the market risk.
Roshan Equity Investment Tutorials
English Tutorial
Urdu Tutorial
Sindhi Tutorial
Pashto Tutorial
Punjabi Tutorial
Saraiki Tutorial
Gateway to Equity Market (GEM) Tutorials
Frequently Asked Questions
- What is Roshan Digital Account?
Roshan Digital Account provides an opportunity for Non-Resident / Overseas Pakistanis to remotely open a bank account with SBP designated Pakistani banks through an entirely digital and online process. This account will enable them to avail banking services like funds transfer, remittances, bills & fee payments, and invest in various instruments including stocks / shares.
- Which brokers are currently offering Roshan Equity Investment accounts for Roshan Digital Account Holders?
To view the list of brokers those are integrated with CDC and offering Roshan Digital Account, please click on the following link:
Pakistan Stock Exchange and Central Depository Company of Pakistan Limited (CDC).
- What kind of investments can I opt for via the Roshan Digital Account?
Roshan Digital Account allows multiple options for investment which are as follows:
- Shares quoted on the Stock Exchange in Pakistan.
- Pakistani-rupee denominated Deposit products of the banks maintaining the account.
- Pakistani rupee-denominated debt securities of Government of Pakistan (including Pakistani-rupee Naya Pakistan Certificates, T-bills, PIBs, Sukuk and any other registered securities of the government as notified from time to time).
- Residential and commercial real estate
- What is a Roshan Equity Investment account and what is its purpose?
A Roshan Equity Investment account (GEM Account) is opened on behalf of the Investor with Bank AL Habib and is used for trading in shares.
- What are UIN and its purpose?
In order to authenticate each trade and transaction executed in the stock market, NCCPL registers’ investors by assigning a Unique Identification Number (UIN). Registered UINs are provided to the Stock Exchange by NCCPL and it is mandatory for brokers to enter UIN while trading.
- What is a Custody Account and what is its purpose?
A Custody Account is a shares custody account opened with Bank AL Habib in Central Depository System.
- What is GEM and what role does it play in Roshan Digital Account?
Gateway to Equity Market – “GEM” is a web based service through which GEM Account Holders can settle their trades executed at Stock Exchange directly through their respective GEM Account. Investors can contact the broker only for the execution of trades. Further details about settlement and report are available on the GEM Portal provided to RDA GEM Account holders.
- How can I start investing in Pakistan Stock Market if I have a Roshan Digital Account?
You can go to the website www.bankalhabib.com, select “AL Habib Roshan Digital Account” and select “Roshan Equity Investment”. On this page, select “Apply Now” and fill in the details under “GEM Application”. After providing the details, submit the application.
- What happens after I provide the above?
You will receive an ‘Acknowledgement Email’ from Bank AL Habib as soon we receive the consent and information from you.
- What happens after the acknowledgement email?
In 24 hours of receiving the acknowledgement mail and if your Information/ credentials were found complete and correct, you will receive an Account Opening Package email, comprising of the following actions and details:
- Opening of your GEM Linked Account with Bank AL Habib.
- Creation and Registration of your Unique Identification Number (UIN).
- Opening of your Custody Account (GEM – CDC Sub Account).
- Activation of GEM Portal and Broker Trading Account (ID & Password provided through email).
- Creation of your CDC Web Access Login ID and Password.
- How would I know about Broker’s Commission and other trading details?
Schedule of Charges is available at Bank AL Habib Website and available to review at the time of opening GEM Account (Terms & Conditions apply).
- Do I need to do anything else before initiating my first trade?
Before you initiate your first trade, you have to initiate a Top up (Fund Transfer) through GEM Portal from Roshan Digital Account (RDA) to GEM – RDA Linked Account.
- How do I initiate my first Trade / purchase transaction?
You can purchase shares through broker’s Online Trading App/portal easily within the amount top-up by you.
- How long after my purchase will I receive the shares in my CDC account?
At T+2 (2 business days after transaction), Bank AL Habib (through GEM) will pay cash on your behalf against the purchase and will receive shares in your GEM - CDC Account. You can also verify and check account balance (securities and funds) through GEM Portal (web, mobile app, IVR).
- How do I sell shares?
You can sell your already purchased shares through your broker’s Online Trading App / portal easily.
- When do I receive the cash against my sale?
At T+2 (2 business days after transaction), Bank AL Habib - GEM will transfer the shares out of your GEM - CDC Account and will receive cash on your behalf, which will be readily available in your GEM – RDA Linked Account for any further transactions and withdrawals.
- How do I receive my Corporate Action entitlements?
All Corporate Action entitlements will be credited in your GEM – CDC Sub Account. Your Cash Dividends will also be made available in your RDA Account. All information regarding Corporate Actions will be available to you through CDC Access web portal and app.
- How do I pay broker’s commission?
Bank AL Habib (through GEM) will pay your broker’s commission from Top-up (cash transferred) by you from your Roshan Digital Account (RDA) to GEM - RDA Linked Account.
- What are National Clearing Company of Pakistan Limited’s (NCCPL) charges and how do I pay them?
NCCPL charges are applicable on the clearing of trades and will be deducted by GEM.