Sohni Dharti Remittance Program (SDRP), an initiative of State Bank of Pakistan (SBP), is a point-based loyalty program; in which remitter will accumulate reward points by sending remittances through formal channels (SBP regulated entities) and will redeem those points at participating Public Sector Entities (PSEs) by availing their services free of cost/ discounted.

A mobile app, in English and Urdu, for iOS and Android is available for remitters to download for the purpose of customer registration and for point redemption at PSEs. Remitter can also add 01 beneficiary relationship and can transfer reward points to beneficiary.

FBL being member of 1Link and Pakistan Remittance Initiative (PRI) is participating in this program to support the national cause.

Point Accumulation Structure:

The reward points will be awarded, as per following tier-based criteria:

However, for RDA account holders, loyalty points will only be awarded against the amount which will be consumed locally and cannot be repatriated.***

***Amount invested in property, stocks, NPCs and INPCs etc. is repatriable and will not be eligible for rewards under SDRP

Category Annual Remittance Amount
(in 1 year)*
Awarding Ratio
(% of remittance amount)**
Green Up to USD 10,000/- Equivalent 1.00%
Gold From USD 10,001 /– to USD 30,000/- Eqv. 1.25%
Platinum More than USD 30,000/- Eqv. 1.50%

*Fiscal Year July to June
** Equal PKR amount of remittance
To download the Sohni Dharti APP

For further details please visit:

Frequently asked questions (FAQs)

For any complaints and queries, Email us at: [email protected]



Call Us or Text Us

Our hotline is available 24X7

Tel: 111-06-06-06

Text 9181

map Karachi

Nearest ATM & Branch

ATM - Engro Polymer & Chemicals Ltd. Plant Site EZ/I/P-II-I Eastern Zone, Bin Qasim

Branch - Engro Polymer & Chemicals Ltd. Plant Site EZ/I/P-II-I Eastern Zone, Bin Qasim

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