Sohni Dharti Remittance Program(sdrp)

Card Categories

Gold - 10,001 to 30,000 USD annually * 1.00%* award of transaction amout

Green - 0 to 10,000 USD annually * 1.00%* award of transaction amout

Platinum - 30,001 to 50,000 USD annually * 1.00%* award of transaction amout

Diamond - 50,001 to 99,999 USD annually * 1.00%* award of transaction amout

Gold - 10,001 to 30,000 USD annually * 1.00%* award of transaction amout

Green - 0 to 10,000 USD annually * 1.00%* award of transaction amout

Platinum - 30,001 to 50,000 USD annually * 1.00%* award of transaction amout

Diamond - 50,001 to 99,999 USD annually * 1.00%* award of transaction amout

Registration

Register as a remitter and unlock exclusive benefits.

Receiver Addition

Earlier, customers had to manually enter transaction details via the self-award option. To simplify this, the remitter-receiver feature was introduced, allowing remitters to pre-add receivers so loyalty points are automatically credited to their SDRP account.

Points Awarding

Points Redemption

Easily redeem your loyalty points in just a few steps.

Big News Beneficiaries! Seamless SDRP Points Redemption Resumes Now!

We are making your remittance journey simpler, safer, and stronger than ever. Managing beneficiaries is now smarter and more secure and you can enjoy updated points redemption and transfer options across passports, PIA tickets, State Life, FBR services, and more. The beneficiary Management functionality is available on SDRP App from September 29, 2025.

See how you can redeem your SDRP points against PIA

Redeem your Sohni Dharti Remittance points at BE&OE

Sohni Dharti Remittance Program. An incentive program encouraging Non-Resident Pakistanis to use formal remittance channels to send their money and earn reward points to avail exciting privileges exclusively for remittance senders and receivers. Register in these easy steps and earn reward points instantly!

SDRP loyalty points redemption for State Life Insurance Corporation

Sohni Dharti Remittance Program is an initiative to incentivize Non-Resident Pakistanis who send home remittances to Pakistan through official remittance channels. Registered users are eligible to earn reward points on remittances and avail exciting privileges exclusively for remittance senders and receivers.

Simple steps to redeem your Sohni Dharti loyalty points for Utility Store

How to Redeem your loyalty points For Utility Stores Corporation.

8 Simple Steps to Follow:

Visit your nearest Utility Store for shopping
Ask the cashier to generate PSID (Payment Slip ID) against your purchases
Login SDRP APP & click “Redeem Your Points”
Select “USC” from the screen
Enter your generated Payment Slip ID (PSID) & click “Next”
Confirm the redemption details
Enter OTP received on registered phone number to verify
Points redeemed successfully

Beneficiary Addition

To add a beneficiary for reward points sharing remitter may follow below steps.

Points Transfer

Share loyalty points with your beneficiary.

Contact Us

Call:

+92-21-111-116-757

Email:

[email protected]

WhatsApp:

+92-21-111-116-757

Frequently Asked Questions

How can we help you?

You can also browse the topics below to find what you are looking for.

About SDRP

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.

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.

SDRP Application is available for devices Android and iOS.

Registration - Remitter

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

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.

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.

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

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.

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

Registration - 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-add the 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.

No, a remitter can add only one beneficiary at a time.

A remitter can add up to five beneficiaries in a lifetime.

A beneficiary can be linked with:

Up to 3 remitters at a time
Up to 10 remitters in a lifetime

Points Transfer

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.

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.

Loyalty Points

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

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

You will be awarded points as per the criteria below:

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

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.

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.

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

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

For the purpose of redemption, 1 loyalty point = PKR 1.

The total value of annual remittance determines the loyalty category. Loyalty points are awarded on a fixed percentage of that value; percentages vary by category:

Green (Default) — 0 to 10,000 USD annually — 1.00% of transaction amount
Gold — 10,001 to 30,000 USD annually — 1.25% of transaction amount
Platinum — 30,000 to 50,000 USD annually — 1.50% of transaction amount
Diamond — 50,000 USD plus annually — 1.75% of transaction amount

You will get loyalty points after registration in SDRP. On prospective remittances, you will be eligible for loyalty points.

Yes, you can only self-award remittance transactions up to 5 in one month.

You can award up to 30,000 points per day/ per month.

Remittance Receiver

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

You will be awarded maximum five transactions per day and five transactions per month.

Certainly, you can receive up to 10,000 points per day and per month through receiver-based awarding.

General

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

Yes, you can change your mobile number, notification shall be sent to new and previous mobile number. If you do not receive notification message, please call our Contact Center representative at +92 21 111 11 67 57 for further assistance on the matter.

A device shall allow to access maximum three users. This rule applies to both devices Android and iOS.

One SIM will be allowed to one user only, SIM will be bind with unique CNIC.

You can edit your profile up to 3 times per year.

Redemption

You can redeem SDRP points after 5 days of registration. During this period, you may earn SDRP loyalty points.

Yes, you can redeem your SDRP Loyalty Points for various PIA domestic services, including tickets, extra baggage, and more.

S.No	PSE	Current Services
1	FBR	Mobile Phone Duty Vehicle Duty - Imported
2	Passport	Urgent/Normal (100 pages/10/5 years) Urgent/Normal (72 pages/10/5 years) Urgent/Normal (36 pages/10/5 years)
3	State Life Insurance	Life insurance/Takaful Premium Payment
4	PIA	International tickets, seats, extra baggage Domestic tickets, seats, extra baggage
5	OPF	School Fees
6	BE & OE	Emigrant Reg Fee - Dir Employment Emigrant Reg Fee - OEP

OTP

Make sure of the following:

Check your network connection.
Ensure your device has the SIM card registered with the SDRP app.
Wait at least 5 minutes before trying to regenerate the OTP.
If you’re still not receiving the OTP, contact us at +92-21-111-116-757 or [email protected].

Make sure of the following:

Check your network connection.
Ensure your device has the SIM card registered with the SDRP app.
Verify your mobile settings allow for OTP fetching.
If your mobile phone still can’t fetch the OTP, contact us at +92-21-111-116-757 or [email protected].