On July 6, 2026, the State Bank of Pakistan (SBP) officially launched InvestPak, a dedicated web portal and mobile application ecosystem. Designed to democratize the sovereign debt market, the platform allows both retail and corporate investors to seamlessly buy government securities directly online.
Previously, accessing these safe, sovereign-backed investment opportunities required navigating cumbersome paperwork and branch visits. Today, InvestPak brings the formal financial sector right to your smartphone or desktop, making it highly accessible for ordinary citizens to earn competitive yields.
Whether you are looking for traditional fixed-income assets or Shariah-compliant options, the portal offers direct access to the primary and secondary markets. Here is a breakdown of the securities you can invest in through InvestPak.
Conventional Securities: T-Bills and PIBs
Conventional government securities are traditional debt instruments where the government borrows money and pays the investor a return. On InvestPak, these fall into two main categories:
Market Treasury Bills (MTBs / T-Bills)
T-Bills are highly liquid, short-term government securities. They are perfect for investors looking to park cash for a short period while earning a secure return.
- Tenors: 1, 3, 6, and 12 months.
- How they work: T-Bills are “zero-coupon” instruments. This means they do not pay monthly or semi-annual interest. Instead, you purchase them at a discount to their face value. When the bill matures, the government pays you the full face value, and the difference is your profit.
Pakistan Investment Bonds (PIBs)
PIBs are medium-to-long-term government bonds designed for investors who want a steady, predictable income stream over years or even decades.
- Tenors: 2, 3, 5, 10, 15, 20, and up to 30 years.
- How they work: Unlike T-Bills, PIBs pay a “coupon” (interest profit), typically on a semi-annual basis. You can purchase Fixed Rate PIBs (where the interest rate is locked in for the life of the bond) or Floating Rate PIBs (where the rate adjusts periodically based on current market benchmarks). At the end of the bond’s term, you receive your original principal back.
Non-Conventional (Islamic) Securities: Ijarah Sukuks
For investors who avoid interest-based (Riba) products, InvestPak provides seamless access to the government’s Shariah-compliant debt instruments.
Government of Pakistan (GoP) Ijarah Sukuks (GIS)
Ijarah Sukuks are asset-backed securities. Instead of lending money to the government, Sukuk investors pool their funds to effectively purchase a tangible government asset (like a highway or airport). The government then leases the asset back, paying “rental” income to the investors.
- Tenors: Currently available in 1, 3, and 5-year terms.
- How they work: Sukuks pay periodic rental profits, maintaining strict Shariah compliance.
- Rate Types: Investors can choose between a Fixed Rental Rate (FRR), which locks in the profit rate for the term, or a Variable Rental Rate (VRR), where the rental payout adjusts periodically in line with market benchmarks.
Why Start Using InvestPak?
InvestPak is more than just a buying tool; it is a comprehensive portfolio manager. It allows you to consolidate multiple bank accounts, bid directly in SBP auctions, and trade securities on the secondary market if you need to cash out early. By removing the middlemen and lowering the barriers to entry, the State Bank of Pakistan has made securing your financial future easier than ever.
To get started, you can access the web portal directly or download the InvestPak mobile application from the Google Play Store or Apple App Store. https://investpak.sbp.org.pk