Sohni Dharti Points: Redeem Them Before 30 June 2027 (SDRP Is Ending)

For years, overseas Pakistanis who sent money home through banks earned Sohni Dharti reward points. You could spend those points on some government services in Pakistan, free of cost.

That is now ending. The State Bank of Pakistan (SBP) has wound the scheme down. If you have points, you have a deadline. This guide gives the dates, explains what happens to your points, and shows what is in place now.

Key dates

These dates come from Allied Bank's SDRP notice, which cites SBP directive EPD/FCA&RD/2026/1176854, and from Dawn and Business Recorder reports quoting the SBP circular on 3 July 2026.

What was Sohni Dharti?

SDRP was a points-based loyalty scheme. It rewarded remitters for using banks and exchange companies instead of hundi or hawala. Your points showed as a virtual card in the SDRP mobile app. The card updated after each remittance.

You earned more as you sent more in a fiscal year (July to June). Allied Bank lists the tiers like this:

Points were worked out on the rupee value of each remittance. We could not find an official statement of how many rupees one point is worth, so we do not give a figure here.

The tiers are history now. FY2025-26 (July 2025 to June 2026) was the last year that earned points.

What to do with your points now

1. Open the SDRP app and sign in. Check your points balance on the virtual card.
2. Check your last transfers. Remittances up to 30 June 2026 should have been reported to 1LINK. If a transfer from before that date is missing, ask the bank that paid it out.
3. See where you can redeem. The app lists the public bodies that accept points. Partners can change, so check inside the app rather than relying on old lists.
4. Redeem early. Do not wait for June 2027. Apps and partner systems can be slow near a deadline.
5. Keep screenshots of your balance and each redemption, in case there is a dispute later.

Why did SBP end it?

SBP did not give a public reason in the text we could read. Dawn reported that SBP also ended the Telegraphic Transfer Charges Incentive Scheme (TTCIS) at the same time. Dawn's sources said the cost of these incentives had grown large and had drawn the IMF's attention. That is a news report, not an SBP statement.

Is sending money home still free?

Yes, for eligible transfers. SBP ended TTCIS from 1 July 2026 in EPD Circular Letter No. 12 of 2026. But the same letter tells banks to keep the scheme going at their own end. Banks must keep home remittances that meet the old criteria free of cost for both the sender and the receiver. Under EPD Circular Letter No. 04 of 2025, that meant transfers of USD 200 or more, up to five a month from one sender to the same receiver through the same overseas partner.

So the free transfer stays. The difference is that banks, not SBP, now pay for it. Our exchange rates guide explains how to compare the rate you get, which matters more than the fee.

What replaces it: Pasban prize draws

The main new scheme is the Pasban Remittance Reward Scheme, launched on 25 September 2026. Banks run it through the Pakistan Banks Association (PBA). It works very differently from Sohni Dharti:

The first Pasban draw is on 15 January 2027. It covers money received from 1 October to 31 December 2026. Results will be posted on 1LINK's Pasban page.

If your family gets money in a JazzCash or Easypaisa wallet, read the Pasban section of our wallet transfer guide. It is not yet clear whether a wallet counts as "a bank account" for the draw.

The PBA also said Pasban builds on a remitter incentive that banks have funded since July 2026. We could not find the per-transfer terms of that incentive in an official document.

What we could not confirm

• The SBP circular itself. We could not find the SDRP circular on SBP's website. The dates above come from Allied Bank's notice, which quotes the SBP reference, and from two newspapers. They all agree.
• Point value. How many rupees one point is worth when you redeem.
• Redemption partners. Which government bodies still accept points today.
• The app. Whether it is still available and working for all users.
• The bank remitter incentive. Its exact terms since July 2026.

If something here does not match what you see in the app, trust the app and your bank, and tell us so we can update this page.

Related: Sending money to JazzCash or Easypaisa · AED, SAR and GBP to PKR rates · Roshan Digital Account bank comparison