Put your Roshan Digital Account to work in DHA real estate
$12.4 billion sits in Roshan Digital Accounts waiting to be deployed in Pakistan. MFX is the cleanest path from your RDA balance to a verified DHA file in your name.
$12.4B
Total RDA deposits as of March 2026
900k+
Diaspora investors with active RDAs
~$20B
Government-estimated overseas Pakistani assets
What is RDA?
Roshan Digital Account in plain English
A Roshan Digital Account (RDA) is a State-Bank-of-Pakistan-backed account that any Pakistani citizen abroad can open at any major Pakistani bank. It accepts foreign currency deposits and offers digital servicing — no in-person branch visits required.
RDA was designed specifically to channel diaspora capital into Pakistan: government certificates, equity investments, and real estate. As of March 2026, RDA cumulative inflows have crossed $12.4 billion across more than 900,000 accounts.
For property specifically, RDA enables:
- Foreign currency deposits without classic remittance friction
- Digital outward wires to other Pakistani accounts
- Repatriation of principal and gains on exit
- Compliance documentation for tax purposes
Why DHA files specifically
The most-traded private investment paper in Pakistan
Strong appreciation history
DHA files in major phases have historically multiplied many times over 5-10 year holds.
Liquid resale market
Files are easier to sell than developed plots. No buildings, just papers and DHA office paperwork.
Familiar to diaspora
Most overseas Pakistanis grew up around DHA file conversations. The asset class is well understood.
Workable from abroad
Modest minimum tickets relative to other Pakistani real estate. Easy to size to your RDA balance.
The flow
From RDA to verified file in 4 steps
Open or top up your RDA
Major Pakistani banks (Bank Alfalah, Meezan, HBL, others) all support RDA. Fund it from your foreign-currency account.
Reserve a file on MFX
1% token. Auto-generated reservation agreement. Unique payment reference for the wire memo.
Wire from RDA to MFX
Use your bank's RDA wire flow. Send to the MFX (Pvt) Ltd corporate account with the reference.
Sign PoA → MFX attends DHA
Sign a digital Power of Attorney. Our representative attends the DHA office on your behalf.
What this is not
Honest scope of what RDA + MFX gives you
This is not tax advice. Talk to a Pakistani tax advisor for your specific situation. Withholding taxes (236C/236K) apply to property transactions. The federal budget is moving toward overseas-buyer tax reductions, but rates change.
This is not a guaranteed return. DHA files have historically appreciated, but past performance doesn't guarantee future returns. Some phases stagnate for years.
This is not a brokerage account. MFX operates the verified storefront, paperwork, and transfer. Your RDA bank handles the wire. Your DHA file is held in your own legal name.
Common questions
Can I use any bank's RDA?
Yes. MFX accepts wires from any Pakistani bank's RDA. Bank Alfalah, Meezan, HBL, UBL, and most others all work the same.
How long does an RDA wire take to reach MFX?
Typically minutes to a few hours. We confirm receipt within 24 hours of the funds landing in our corporate account.
Do I have to repatriate the file value when I sell?
Up to you. RDA gives you the option to repatriate principal and gains, but you can also keep funds in Pakistan for further investment.
What about taxes on selling later?
Capital gains tax and standard withholding apply per Pakistani law. The relevant rates depend on hold period and your residency status. Talk to a tax advisor before selling.
Is my file safe if I never visit Pakistan?
Yes. The file is held in your legal name in the DHA registry. As long as your contact details are current, you can manage it remotely or via PoA.
Make your RDA balance do something
Browse verified DHA files priced fairly. Reserve from anywhere. We do the rest.