Overseas Remittance Calculator

Calculate your PKR payout and Sohni Dharti rewards

Sohni Dharti Points

Currency

Remittance Amount

Rs.

Current Exchange Rate (PKR)

Rs.

Estimated Payout (PKR)

0 Fee via PRI

Pakistani Rupees

280,000

Transfer Fee

Rs. Rs. 0

Sohni Dharti Points (PKR)

Rs. + 2,800 Points

SDRP Reward Tier

Green (1%)

Sending money through legal banking channels or money transfer operators (MTOs) ensures the safety of your funds and helps the national economy. Hawala/Hundi is illegal and deprives you of official benefits like SDRP points and tax exemptions.

The Ultimate Guide

What is the Sohni Dharti Remittance Program (SDRP)?

Sohni Dharti is a point-based loyalty program for overseas Pakistanis who send remittances through legal channels (State Bank of Pakistan regulated). You earn reward points that act as virtual currency.

SDRP Reward Tiers

Green (Up to $10,000/year): 1% reward points. Gold ($10,001 to $30,000/year): 1.25% reward points. Platinum (Above $30,000/year): 1.5% reward points. 1 Reward Point = 1 PKR.

Where to use points?

You can use points to pay PIA international flight tickets, FBR mobile phone taxes (DIRBS), Passport renewal fees, NADRA fees, State Life insurance premiums, and purchases at Utility Stores.

Frequently Asked Questions

You must download the official Sohni Dharti App (available on Android and iOS), register using your CNIC/NICOP and passport number, and wait for your remittances to be automatically credited as points.

Yes, you can transfer your reward points to a nominated beneficiary (like a family member) within Pakistan using the app. They can then use the points to pay for utility bills or FBR mobile taxes.

Yes, under section 111(4) of the Income Tax Ordinance, foreign remittances received through regular banking channels are exempt from being probed for source of income and are tax-free up to a certain limit (currently Rs. 5 Million per year).

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