Sohni Dharti Remittance Program

1LINK, 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.

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.

Earn reward points on every remittance you send!

Remitters will earn reward points based on a certain percentage of every transaction once sent. There are four rewarding tiers:

CategoryAnnual Remittance amount
(in a fiscal year)
Reward Points Earning
(% of Remittance Amount)*
GreenUp to USD 10.0001.00%
GoldFrom USD 10,001 to USD 30,0001.25%
PlatinumFrom USD 30,001 to USD 50,0001.50%
DiamondMore than USD 50,0001.75%

**Equal PKR amount of remittance

Redemption Benefits

EntityServices OfferedRedemption Flow
PIAInternational Air Tickets

Extra Baggage Fee on PIA International Flights

FBRMobile Phone Duty

Payment of Duty on imported Vehicles

NADRARenewal of CNIC/NICOPDownload
Passport OfficeRenewal Of PassportDownload
State LifeLife Insurance/Takaful Premium PaymentDownload
Overseas Pakistanis Foundation (OPF)School Fee PaymentDownload
Utility Stores CorpRetail PurchasesDownload
Bureau of Emigration & Overseas Employment (BE&OE)Emigrant Registration Fee – OEP

Emigrant Registration Fee–Direct Employment


Don’t miss the opportunity to avail exciting rewards and benefits. Download Now

For tutorial videos of Sohni Dharti Remittance App, please watch the playlist below:

Click Here to View Playlist


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.

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.

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. However, a single beneficiary can be added by 3 remitters only.

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.

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.

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

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

You can add up to 10 receivers who you sent remittance to in Pakistan.

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

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.

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 on the matter.

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.

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 to 50,000 USD plus annually – 1.50% award of transaction amount.

Diamond – 50,000 USD plus annually – 1.75% award of transaction amount

The remitter’s category will be automatically updated based on the USD amount of remittance he/she has sent in a fiscal year i.e., 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 is equivalent to PKR 1/-.

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.

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.

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.

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 redeem points per day and per month on participating PSEs as follows:

S.No.PSEPer Transaction / profile Limit Per Month Limit
1BEOE                  5,000                      20,000 
2OPF               20,000                      80,000 
3PIA             500,000                 1,000,000 
4PASSPORT               15,000                      60,000 
5FBR             250,000                 1,000,000 
6STATE LIFE             500,000                 1,000,000 
7US               25,000                    100,000 
81BILL              250,000                 1,000,000 

Yes, you can transfer points to beneficiaries as per following limits: 

Remitter /BeneficiaryRemitter to Beneficiary Transfer LimitPer Transaction / Profile LimitPer profile / Month Limit
TransferAmount Based150,000500,000

Yes, there are three types of redemption limits in Sohni Dharti Remittance Program.

1.Customer Profile based limit


Customer profile / day Limit500,000


2.PSE wise Amount based limits


S.No.PSECustomer profile / 

day Limit

Customer profile / Month Limit
1BEOE                  5,000                      20,000 
2OPF               20,000                      80,000 
3PIA             500,000                 1,000,000 
4PASSPORT              25,000                     100,000
5FBR             250,000                 1,000,000 
6STATE LIFE             500,000                 1,000,000 
7US               25,000                    100,000 


2.PSE wise velocity (Transaction based) limits


S.No.PSEVelocity per Customer / day Limit Velocity per Customer / month Limit


Note: all limits are simultaneously applicable on each customer profile

Yes, below point transfer limits are applicable on Remitters: 

Remitter to Beneficiary Transfer LimitPer Transaction / Profile LimitPer profile / Month Limit
Amount Based150,000500,000

Yes, you can add five beneficiaries in a lifetime. One beneficiary can be added at a time.

For any queries and support, contact us at: [email protected]

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