On 25 September 2026 the State Bank of Pakistan (SBP), working through the Pakistan Banks Association (PBA), unveiled the Pasban Remittance Reward Scheme — a market-based, industry-funded programme putting Rs16 billion a year of cash prizes in front of overseas Pakistanis who remit through formal channels. For the millions who already send money home, this changes the maths in a powerful way: the same inflow that qualifies you for a shot at a Rs100 million prize can also be parked into a hard, titled asset — a 5-marla plot in an RDA-approved society such as Silver City on Girja Road, Rawalpindi.
This guide explains exactly how the scheme works, how to maximise your draw entries, and how to channel that remittance into land that keeps working for you whether or not your ticket is drawn.
What the Pasban Remittance Reward Scheme actually offers
The scheme is funded entirely by the banking industry — not the national exchequer — and participation is completely free. No bank may charge a fee, require a ticket purchase, demand a minimum balance, or impose any other condition to enter. It takes effect from 1 October 2026, and the first quarterly draw is scheduled for 15 January 2027, covering eligible remittances received between 1 October and 31 December 2026.
Each quarter distributes Rs4 billion across 2,521 prizes. Over a full year that is roughly Rs16 billion and more than 10,000 winners.
| Prize tier (per quarter) | Number of winners | Amount each |
|---|---|---|
| 1st prize | 1 | Rs100 million |
| 2nd prize | 20 | Rs25 million (2.5 crore) |
| 3rd prize | 100 | Rs10 million (1 crore) |
| 4th prize | 2,400 | Rs1 million |
| Total | 2,521 | Rs4 billion |
Prizes are allocated across remittance corridors so that no single region dominates: 50% to the GCC, 15% to the UK, 15% to Europe, 10% to North America and 10% to the rest of the world. If you remit from Dubai, Riyadh, London, Manchester, Frankfurt, Toronto or New York, there is a share ring-fenced for your corridor.
How to qualify — and how entries are earned
Qualification is automatic. A beneficiary bank account that receives home remittance equivalent to USD 100 or more in each of three consecutive months within the quarter is entered into the draw. There is nothing to sign up for — your bank handles it provided the money arrives through a formal channel (bank transfer, exchange company, or a Roshan Digital Account).
Entries scale with the amount you send. Every USD 100 equivalent received generates one digital, non-transferable entry (ticket), as long as you meet the three-consecutive-month rule. SBP’s own worked example: send USD 100 in October, USD 200 in November and USD 300 in December and you earn 1 + 2 + 3 = 6 entries for the quarter. Send more, and your odds rise proportionally.
| Monthly remittance (each of Oct, Nov, Dec) | Entries/month | Total entries for the quarter |
|---|---|---|
| USD 100 | 1 | 3 |
| USD 300 | 3 | 9 |
| USD 500 | 5 | 15 |
| USD 1,000 | 10 | 30 |
A practical warning: the USD 100 floor must be cleared every month. A typical 5-marla instalment of around Rs22,900 converts to under USD 100 at prevailing rates — so an instalment-only transfer may miss the threshold. Consolidate: send enough each month (say USD 150–500) to cover the instalment and clear the bar comfortably, and you both stay qualified and bank more tickets.
Turning the same inflow into a titled 5-marla plot
Here is the investor insight. A cash prize is a lottery; land is a plan. If you are already remitting to qualify for Pasban, routing that money into a disciplined plot purchase converts a monthly transfer into a titled, transferable RDA asset — while every qualifying month still buys you draw tickets.
Silver City is an RDA-approved (NOC-cleared) society on Girja Road, positioned near the Thalian interchange and the emerging Rawalpindi Ring Road corridor. Indicative figures for an investment-category 5-marla plot:
| Item | Indicative amount (PKR) | Notes |
|---|---|---|
| Total price (5-marla) | ~Rs2.55–2.75 million | Varies by block/location |
| Down payment / booking | ~Rs375,000 | One-time |
| Monthly instalment | ~Rs22,900 | Over ~36 months |
| Possession / balloting charge | ~Rs300,000 | Near plan completion |
Confirm the exact live price list, block availability and current payment plan with the Silver City sales office before committing — figures move with demand and FBR valuation revisions.
A sample Oct–Dec 2026 plan for an overseas investor
- October: Open or use a Roshan Digital Account / local beneficiary account; send ~USD 500. Book your Silver City 5-marla with the ~Rs375,000 down payment. Entries earned: 5.
- November: Remit ~USD 300, covering the monthly instalment plus a buffer. Entries: 3.
- December: Remit ~USD 300 again. Entries: 3.
- 15 January 2027: With three consecutive qualifying months, you are automatically in the first draw with ~11 entries — and you already own a booked, titled plot building equity.
Win or not, you finish the quarter with land in an approved society. That is the asymmetry serious investors look for: limited downside, a genuine asset, and a free upside shot at up to Rs100 million.
Why formal channels and RDA approval matter together
The scheme only rewards money that arrives through formal channels — the same channels that give you a clean, documented source of funds for a property purchase. Pair that with an RDA-approved society and you sidestep the two biggest risks overseas buyers face: informal money trails and file-trading in unapproved schemes. A titled, transferable plot in an NOC-cleared society is a real asset you can hold, resell, mortgage under Apna Ghar financing, or build on.
Frequently Asked Questions
Do I have to register separately for the Pasban draw?
No. Entry is automatic and free. As long as your beneficiary account receives at least USD 100 equivalent in each of three consecutive months within the quarter — through a formal channel — your bank enters you. No fee, ticket purchase or minimum balance is allowed to be charged.
Can my plot instalment transfers count toward my draw entries?
Yes, if each monthly transfer is at least USD 100 equivalent and arrives formally. Because a bare instalment (~Rs22,900) can fall under USD 100 at current rates, send a slightly larger consolidated amount each month so you clear the threshold and earn extra entries.
When is the first draw and what period does it cover?
The first quarterly draw is on 15 January 2027. It covers eligible remittances received from 1 October 2026 to 31 December 2026. Draws then run every quarter.
Is Silver City safe for an overseas investor?
Silver City is an RDA-approved society on Girja Road near the Thalian interchange and the Rawalpindi Ring Road corridor, offering titled, transferable 5-marla plots on multi-year instalment plans. Always verify the current NOC status, price list and payment plan directly with the official sales office before paying.
The bottom line
The Pasban Remittance Reward Scheme makes 2026–27 an unusually good window for overseas Pakistanis: formalise your remittances, qualify automatically for a Rs16 billion prize pool, and — with a little planning — convert that very inflow into a titled 5-marla plot. Among the RDA-approved options in the twin-cities corridor, Silver City is well worth shortlisting for an investment-grade 5-marla that keeps compounding whether or not your ticket comes up on 15 January 2027.
