Sohni Dharti Remittance Program

Silkbank, along with Banks, the State Bank of Pakistan, and the Ministry of Finance, is proud to introduce a one-of-its-kind incentive program for Non-Resident Pakistanis and their beneficiaries. Sohni Dharti Remittance Program is designed to incentivize Non-Resident Pakistanis to use formal banking channels to remit their hard-earned money to beneficiaries in Pakistan.

Furthermore, 1LINK has designed and launched an Android and iOS based Mobile App for users to register as a Remitter and earn points on their remittances sent to Pakistan through designated financial channels. Using the Mobile App, remitters can further enroll their beneficiaries and transfer loyalty points to them. The registered users would be eligible to earn reward points on all subsequent remittances as well as avail exciting privileges provided by government agencies exclusively for remittance senders and receivers.

The Remitter can register himself/ herself. The Beneficiary can only be registered after authorization by the Remitter.

For any queries and support, contact us at:

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What is Sohni Dharti Remittance Program?

Sohni Dharti Remittance Program is a Government of Pakistan initiative to incentivize Non-Resident Pakistanis who send home remittances to Pakistan through official remittance channels.

Why should I join Sohni Dharti Remittance Program?

You will be eligible to receive loyalty points on every remittance transaction you send to Pakistan. The points will be awarded on the basis of the assigned criteria, and you can avail exclusive loyalty benefits at our partnering public sector entities (PSEs) for this program.

Who can register for Sohni Dharti Remittance Program?

Any Non-Resident Pakistani, CNIC/NICOP holder, who has sent remittance to Pakistan starting October 1 st, 2021, can register as a Remitter. A remitter can further register 01 beneficiary using the Sohni Dharti Remittance Program Mobile App.

How can I register for the Sohni Dharti Remittance Program?

Simply download the Sohni Dharti Remittance Program Mobile App from the Google Play Store or Apple App Store. Input few registration details, including your active Mobile No. and set a password and your registration request will be processed.

What should I do if my country/region/territory is not mentioned in the Country of Residence list?

We apologize for the inconvenience you are experiencing. For assistance on the matter, you can get in touch with our Contact Center representative at +92 21 111 11 67 57.

I am a remitter and unable to select Pakistan as a "Country of Residence". What should I do?

As a remitter, you can select any country other then Pakistan.

As a remitter, you can select any country other then Pakistan.

How can I register my Beneficiary?

As a Remitter, you can register a Beneficiary against his/her valid CNIC No. using the Mobile App. The Beneficiary will receive a registration code along with the App download link on SMS on your provided mobile number, using which he/she can enroll as a Beneficiary. The registration code is valid for 03 days, after which the request will expire, and you will have to re- send the code to beneficiary.

Who can I register as a beneficiary?

You can add anyone with a valid Pakistani CNIC/NICOP. The app will allow you to add beneficiary even if they are not the actual recipient of your remittance amount. There is also no restriction on the relationship between the remitter and the potential beneficiary.

How can I transfer points to my beneficiary?

Using the Transfer Points option on your App Home screen, you can select an active, registered beneficiary and enter the points value you wish to transfer. The points will be transferred to your beneficiary, and he/she will receive an alert for the same.
What is the wait time for the beneficiary receiving his/her points from a remitter?

The beneficiary is advised to wait at least one working day for his/her points transfer. If the beneficiary does not receive his/her points, please get in touch with our Contact Center representative at +92 21 111 11 67 57.

Is there any limit for transferring points to my beneficiary?

There is no limit on transfer on points. You may send as many points as you hold at any given time, in a single transfer if you wish.

How are loyalty points awarded?

Once your account is activated after verification, loyalty points are automatically calculated and awarded to you against remittances sent to Pakistan.

Why should I add my Remittance Receiver?

For better experience you can add your remitter receiver, which will assist auto awarding of loyalty points into your SDRP account.

How many receivers can I add?

You can add up to 5 receivers who you sent remittance to in Pakistan.

How many days will it take to get loyalty points awarded on my remittance?

It may take up to five working days to get loyalty points awarded on your remittance sent to Pakistan.

Will I get loyalty points for my remittance from the previous year?

You will be awarded with points as per below mentioned criteria:

If you are registered in the new fiscal year (July 01 – June 30), you will not be eligible to claim points of preceding fiscal year.

If you are registered in the preceding fiscal year (July 01 – June 30) then you will be eligible to claim points of both current and preceding fiscal year.

Will I be awarded with loyalty points against the remittance send to Pakistan with different name appearing in the transaction?

Loyalty points will be awarded if the registered name on the SDRP App matches the name on the transaction receipt. Therefore, to avoid any inconvenience, please request your MTO/Bank(s) to share your complete full name in the remittance transaction.

I have not received loyalty points on my remittance transaction that was sent five (or more) days ago. What should I do?

You may use the Self Award Points feature on the Mobile App Home screen to generate a request for your points award, if not already awarded before. In case you are still unable to receive points against the said transaction, please call our Contact Center representative at +92 21 111 11 67 57 for further assistance on the matter.

How does the Self Award Points feature work?

if you have not received points against your remittance transactions, you can initiate points award request using self-award feature after 3 working days of your remittance sent to Pakistan and has been collected by your receiver or credited in the receiver’s account.

How many loyalty points will I receive against my remittance transaction?

The total value of annual remittance determines the loyalty category. Loyalty points are awarded on a fixed percentage of that value. The awarding percentages vary based on the category of the user.

Green (Default) – 0 to 10,000 USD annually – 1.00% award of transaction amount.

Gold – 10,001 to 30,000 USD annually – 1.25% award of transaction amount.

Platinum – 30,000 USD plus annually – 1.50% award of transaction amount.

How will my Loyalty Category change?

The remitter’s category will be automatically updated based on the USD amount of remittance he/she has sent in a fiscal yeari.e., 1 st July to 30 th June. The categories will be re-set to Green starting every fiscal year.

What is the value of One loyalty point?

For the purpose of redemption, 1 loyalty point is equivalent to PKR 1/-.

Where can I use my loyalty points?

You can use your loyalty points to pay for applicable services at multiple public sector entities. For a list of available loyalty benefits and partners, check the View Loyalty Benefits page on your App Home Screen.

I am a Roshan Digital account holder; can I register for the SDRP?

Yes, Roshan Digital account holders can also register for SDRP. However, loyalty points will only be awarded against the amount which will be consumed locally and cannot be repatriated.

For example , an RDA holder pays education fees of his/her dependents in Pakistan, pays rent for residence, medical or insurance expenses or any similar expenses, will become eligible for reward points. Further, reward points may be earned on the funds spent for Roshan Apni Car or Roshan SamajiKhidmat. However, the unspent balance in PKR or FCY account and amount invested in property, stocks, NPCs and INPCs etc. is repatriable and will not be eligible for rewards under SDRP.

Can I register myself for this program if I send remittance in currency other than PKR?

You can only register for this program if you send the remittance to Pakistan in PKR. Remittance send in other currency is not eligible for registration.

Where can I file my complaints?

In app complaint management section is available for customer complaint resolution, you may also log your complaint at 111-116-757 or . Please ensure to give your CNIC while registering complaint for tracking purpose.

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