The State Bank of Pakistan has launched InvestPak, a new digital web portal designed to modernize and simplify investment in government securities. The platform enables both individual and corporate customers with PKR bank accounts to open Investor Portfolio of Securities (IPS) accounts, place bids in government bond auctions, and trade securities seamlessly online. The service will be available starting November 6, accessible via web and mobile applications.
To ensure smooth implementation, the central bank has instructed all commercial banks and primary dealers to facilitate customer onboarding, while microfinance banks have been encouraged to extend access to their clients. This move aims to eliminate the need for physical paperwork and in-branch visits that traditionally slow down account activation and investment processes.
Through InvestPak, investors will be able to directly participate in government securities auctions by submitting competitive or non-competitive bids. The system also supports secondary market trading, requiring banks to provide binding buy and sell quotes during business hours.
A major feature of the platform is its unified interface, allowing users with multiple IPS accounts across different banks to manage all their holdings in one place. Banks are mandated to process onboarding requests within 48 hours and must report any rejections with clear reasons, which will be monitored by the State Bank.
The portal integrates automated portfolio updates and a complaint management system to enhance user experience and transparency.
According to the State Bank, InvestPak represents a major milestone in expanding public access to Pakistan’s government securities market. By digitalizing processes and minimizing dependence on intermediaries, the platform is expected to boost retail participation, strengthen financial inclusion, and improve efficiency across the country’s investment landscape.
