InvestPak is the State Bank of Pakistan’s online portal for investing in government securities. You can use it to buy Treasury Bills, Pakistan Investment Bonds and Ijarah Sukuk from home, using only your CNIC and a rupee bank account, starting from Rs 5,000. This guide covers InvestPak registration step by step.
Last updated: 30 October 2026 by Ahmed.
What Is InvestPak?
SBP launched InvestPak on 6 November 2025 to make government securities easy for ordinary savers. Before it, most people had to visit a bank branch and fill in forms to buy T-bills. Now your bank only verifies your details, and you do the rest on the website or app.
- Who can register: individuals, joint account holders and companies with a rupee bank account. Overseas Pakistanis can use a Roshan Digital Account.
- What you can buy: T-bills (3, 6 and 12 months), PIBs (2 to 10+ years, fixed or floating) and Government Ijarah Sukuk.
- Minimum: Rs 5,000.
- Where profit goes: straight to your linked bank account.
What You Need Before You Start
- Your valid CNIC
- Your 24-digit IBAN for a rupee account in your own name
- The mobile number and email registered with your bank (you will get OTPs on both)
- An IPS account (Investor Portfolio of Securities). If you do not have one, you can request it through InvestPak during registration.
InvestPak Registration: How to Register
- Go to the official portal at investpak.sbp.org.pk or download the InvestPak app. Make sure the address ends in sbp.org.pk.
- Choose to register as a new investor and select individual, joint or corporate.
- Enter your CNIC number, email address and registered mobile number.
- Enter your 24-digit IBAN and select your bank.
- If you do not have an IPS account, request one in the same form.
- Submit the request. Your bank verifies your details electronically. SBP requires banks to process registration within two working days.
- Once your bank approves, you get an activation message. Enter the OTPs sent to your mobile and email to activate your account and set your password.
How to Buy T-Bills on InvestPak
- Log in and check the upcoming auction calendar. T-bill auctions are held about every two weeks; PIB auctions are less frequent.
- Choose the security and tenor, for example a 3-month or 12-month T-bill.
- Place a non-competitive bid. This is the simplest choice for individuals: you accept the cut-off yield decided in the auction, so your bid is not rejected for being too low.
- Enter the amount and confirm. Keep enough balance in your linked account for the auction settlement date.
- After the auction, the securities appear in your IPS account. At maturity, the face value is paid to your bank account.
A T-bill is sold at a discount. For example, if you pay Rs 4,750 for a T-bill with a face value of Rs 5,000, you receive Rs 5,000 at maturity and your profit is Rs 250. PIBs pay profit every six months (or every three months for some floating-rate bonds) and return your money at maturity.
Latest Yields (October 2026)
| Security | Cut-off yield | Auction date |
|---|---|---|
| 3-month T-bill | 12.00% | 14 October 2026 |
| 6-month T-bill | 12.40% | 14 October 2026 |
| 12-month T-bill | 12.50% | 14 October 2026 |
| 3-year PIB (fixed) | 12.7460% | 7 October 2026 |
| 5-year PIB (fixed) | 12.8998% | 7 October 2026 |
| 10-year PIB (fixed) | 12.85% | 7 October 2026 |
Tax on InvestPak Profit
Profit on T-bills and PIBs is taxed at source: 15% for filers and 30% for non-filers. Non-filers pay double the tax, so getting on the Active Taxpayers List is worth it.
Common Problems and Fixes
- Registration still pending after two working days: call your bank’s helpline and ask them to approve your InvestPak request.
- OTP not received: the mobile number must be the one registered with your bank. Update it at your branch or banking app first.
- Bid failed: usually the account did not have enough balance on the settlement date.
Related guides: Read our guides on T-Bills in Pakistan, prize bonds in Pakistan and best investments for monthly income.
Frequently Asked Questions
Is InvestPak safe?
Yes. It is run by the State Bank of Pakistan, and the securities are issued by the Government of Pakistan. Only use the official sbp.org.pk website or app.
What is the minimum amount for InvestPak?
Rs 5,000.
Can I sell before maturity?
Yes. InvestPak lets you place sell orders in the secondary market. The price depends on market yields on that day, so you may get slightly more or less than you expected.
Are there any charges?
SBP has not published a fee schedule for individuals on InvestPak. Your bank may charge for IPS account maintenance, so ask your bank before you invest.
This guide is for general information only and is not financial or tax advice. Rates and rules change often, so confirm the latest figures with the official source before you invest.
Related Guides
- Treasury Bills in Pakistan: latest yields
- Pakistan Investment Bonds: latest yields
- Government Ijara Sukuk
- Best investment for monthly income in Pakistan
- Bank profit calculator
- National Savings certificates
Sources
- Dawn: Portal launched for digital investment in govt papers (November 2025)
- Profit: SBP launches InvestPak portal
- Pakistan Observer: InvestPak guide, invest from Rs 5,000
- InvestPak: official video tutorials
- Pakera: PIB auction of 7 October 2026
- Geo News: SBP raises policy rate to 12% (26 October 2026)