The State Bank of Pakistan launched the Sohni Dharti Remittance Program (SDRP) to honor overseas Pakistanis who continuously support the country’s economy by sending remittances through legal banking channels and exchange companies.
At the launch ceremony, the Prime Minister Shahbaz Sharif appreciated overseas Pakistanis for showing confidence in Pakistan’s future by sending record remittances exceeding $29 billion during FY21 and continuing strong remittance inflows in FY22. He described SDRP as a tribute to Pakistanis working abroad who contribute significantly to national development through their hard-earned income.
Sohni Dharti Remittance Program 2026 SDRP Pakistan Complete Guide
The SDRP is a first-of-its-kind digital loyalty scheme in Pakistan designed to encourage overseas Pakistanis to send money through official channels while earning reward points in return. These points can later be redeemed for multiple free or discounted public services through partner organizations.
The program is accessible worldwide through a smartphone application available in both Urdu and English languages.
What is SDRP Pakistan Sohni Dharti Remittance?
The Sohni Dharti Remittance Program is a point-based reward system for overseas Pakistanis. Whenever a remitter sends money to Pakistan through approved banks or exchange companies, reward points are automatically credited to their SDRP account.
The application tracks every remittance and updates reward points on a virtual digital card. Users can manage beneficiaries, transfer reward points, check remittance history, and redeem rewards through participating government organizations.
SDRP Reward Categories
The program offers different reward tiers depending on the annual remittance amount during a fiscal year (July to June).
| Category | Annual Remittance Amount | Reward Percentage |
|---|---|---|
| Green Card | Up to USD 10,000 | 1.00% |
| Gold Card | USD 10,001 to USD 30,000 | 1.25% |
| Platinum Card | Above USD 30,000 | 1.50% |
| Diamond Card | More than USD 50,000 | 1.75% |
Every remittance helps users move to a higher category and earn more reward points.
Key Features of SDRP App
Virtual Reward Card
The SDRP application provides a virtual membership card displaying:
- Reward category
- Available reward points
- Updated remittance information
Reward points are added automatically after every verified remittance transaction.
Manage Beneficiary
Users can:
- Add beneficiaries
- Edit beneficiary details
- Remove beneficiaries
- Manage remittance records
Transfer Reward Points
Remitters can transfer their accumulated points to beneficiaries in Pakistan who can later redeem them for services and benefits.
View Remittance History
The app allows users to view complete remittance statements and transaction records sorted for convenience.
Reward Partners Information
Users can check all participating organizations and available benefits directly within the application.
How to Download And Register For SDRP
Step 1 – Download the Application
Download the SDRP app from:
- Google Play Store for Android
- Apple App Store for iPhone
Step 2 – Register Your Account
Enter the following information on the registration screen:
- Full Name
- CNIC Number
- Passport Number
- Current Country of Residence
After successful verification, your SDRP account will become active.
Benefits And Reward Redemption Services
Reward points can be redeemed at several public sector organizations and partner institutions.
Pakistan International Airlines
- International airline tickets
- Extra baggage charges on international flights
Federal Board of Revenue
- Import duty payment for vehicles
- PTA mobile phone tax and duty payments
National Database and Registration Authority
- CNIC renewal
- NICOP renewal services
Directorate General Immigration And Passports
- Passport renewal fees
State Life Insurance Corporation of Pakistan
- Life insurance and takaful premium payments
Overseas Pakistanis Foundation Schools
- School fee payments
Utility Stores Corporation of Pakistan
- Grocery shopping and purchases at utility stores nationwide
Federal Investigation Agency
- Special facilitation counters
- Priority clearance services for overseas Pakistanis
Pakistan Civil Aviation Authority
- Awareness and facilitation support at airports
Government Statements About SDRP
Governor Dr. Reza Baqir stated that SDRP represents another important step toward digitalization and financial inclusion in Pakistan. He added that the initiative would help digitally onboard overseas Pakistanis and their families into the formal financial system.
Former Adviser to the Prime Minister on Finance Shaukat Tarin congratulated the State Bank and partner organizations for implementing SDRP as a technology-based solution for overseas Pakistanis.
Advantages of SDRP
The Sohni Dharti Remittance Program provides several benefits:
- Encourages legal remittance channels
- Rewards overseas Pakistanis
- Promotes digital financial services
- Provides access to government services
- Simplifies reward redemption
- Supports Pakistan’s economy through documented remittances
Who Can Join SDRP?
Any overseas Pakistani who:
- Lives or works abroad
- Sends remittances through legal channels
- Possesses valid CNIC/NICOP and passport
can register for the Sohni Dharti Remittance Program.
Important Instructions
- Reward points are calculated on remittance amounts
- Fiscal year duration is from July to June
- Points are updated automatically after verification
- Only remittances through approved channels qualify
Official Website
For complete details and updates, visit the official State Bank of Pakistan website.
UBL, JazzCash, Points to PKR & Tracking Guide
In this updated 2026 guide, we will walk you through how to maximize your benefits, track your points, and resolve common issues like finding your Reference ID.
How to Link Sohni Dharti With Banks And Mobile Wallets
A common question among remitters is how to link their SDRP app with their preferred financial institutions. The good news is that the program is fully integrated with major banks and microfinance platforms in Pakistan.
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Sohni Dharti Remittance Program UBL & Meezan Bank: You do not need to manually “link” your bank account to the app. As long as you send your remittance through official channels to a UBL or Meezan Bank account, the SDRP system will automatically fetch the transaction using your CNIC and mobile number. Ensure your beneficiary details in the banking app match the ones registered in your Sohni Dharti app.
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Sohni Dharti Remittance Program JazzCash & Easypaisa: Similarly, remittances sent directly to a JazzCash or Easypaisa mobile wallet are eligible for reward points. Just make sure the remittance is routed through an official Money Transfer Operator (MTO) or banking channel like Remitly or Western Union directly into the wallet.
Sohni Dharti Points to PKR Conversion Rate (2026 Update)
Understanding the value of your earned points is crucial. The conversion is straightforward, making it easy to calculate your benefits.
1 Sohni Dharti Point = 1 PKR
Your reward points are calculated based on your annual remittance tier:
| SDRP Tier | Annual Remittance Amount (USD) | Reward Points Earned |
| Green | Up to $10,000 | 1.00% of the remitted amount |
| Gold | $10,001 to $30,000 | 1.25% of the remitted amount |
| Platinum | $30,001 to $50,000 | 1.50% of the remitted amount |
| Diamond | Above $50,000 | 1.75% of the remitted amount |
Note: These points cannot be withdrawn as cash. They can only be used for services like FBR mobile duty, Passport renewal, NADRA fees, PIA tickets, and Utility Stores purchases.
Sohni Dharti Remittance Tracking & Reference ID
Sometimes, points do not appear immediately in your app. Here is how to handle tracking and missing points.
What is the Sohni Dharti Remittance Program Reference ID?
When you send money, your bank or transfer service provides a unique transaction number. This is your Reference ID. If your points are not added automatically within 48 to 72 hours, you will need this ID to manually claim them using the “Self-Award” feature in the app.
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How to Track Snd Claim Missing Points:
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Open the Sohni Dharti Mobile App and go to the Self-Award section.
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Enter your Remittance Transaction Reference Number (Reference ID).
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Enter the exact remittance amount and the transaction date.
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Input the recipient’s details.
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Submit the request. Your points should be updated shortly after verification.
Sohni Dharti Helpline & Support
If you are facing technical glitches, such as an “Invalid Reference ID” error, or if your points are not showing up even after the self-award process, you should contact the official support team immediately.
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Official Sohni Dharti Helpline: +92 21 111 72 77 74 (or +92 21 111 116 757)
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Support Email: sdrpsupport@1link.net.pk or sdrpsupport@sbp.org.pk
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Tip: When calling the helpline, keep your CNIC, Passport number, and transaction Reference ID ready for quick assistance.
FAQs
What is SDRP Pakistan?
SDRP is a reward-based remittance loyalty program for overseas Pakistanis.
How are reward points calculated?
Reward points are awarded according to annual remittance category percentages.
Can beneficiaries use reward points?
Yes, remitters can transfer points to beneficiaries in Pakistan.
Is the SDRP application available in Urdu?
Yes, the mobile app is available in both Urdu and English.
Which organizations accept SDRP points?
Organizations including NADRA, PIA, FBR, OPF Schools, Utility Stores, FIA, and Passport offices participate in SDRP.