The Sohni Dharti Remittance Program (SDRP) is a reward program introduced by the Government of Pakistan in collaboration with the State Bank of Pakistan and 1LINK. It provides reward points to overseas Pakistanis who send remittances to Pakistan through formal banking channels or exchange companies. These points are recorded through the official SDRP mobile application and can later be redeemed for services from participating public sector organizations such as NADRA, PIA, and the Passport Office.
What is the Sohni Dharti Remittance Program?
The Sohni Dharti Remittance Program is a national incentive initiative created to encourage overseas Pakistanis to send money to Pakistan through official financial channels.
The program tracks remittances sent through licensed banks and exchange companies. When an eligible remittance is received in Pakistan, reward points are credited to the remitter’s account inside the SDRP mobile application.
These reward points can then be used to pay for selected services offered by government institutions and public service entities.
The program is implemented with the support of:
• State Bank of Pakistan
• Ministry of Finance Pakistan
• 1LINK Pakistan
Who Can Use the SDRP Program?
The Sohni Dharti Remittance Program is designed for Non-Resident Pakistanis (NRPs) who send money to Pakistan from abroad.
Users must meet the following conditions:
• The remitter must be an overseas Pakistani
• The remittance must be sent through a licensed bank or exchange company
• The funds must be received in Pakistani Rupees
• The remittance must be recorded through official financial channels
Remittances received in bank accounts or through cash collection points are eligible for reward points.
SDRP Reward Tier System
Reward points are calculated based on the total remittance amount sent during the fiscal year.
The SDRP fiscal year runs from July to June.
| Reward Tier | Annual Remittance Amount | Reward Percentage |
|---|---|---|
| Green | Up to USD 10,000 | 1.00% |
| Gold | USD 10,001 – USD 30,000 | 1.25% |
| Platinum | USD 30,001 – USD 50,000 | 1.50% |
| Diamond | Above USD 50,000 | 1.75% |
As remitters send larger amounts during the fiscal year, their reward tier automatically upgrades, and they receive higher reward percentages.
SDRP Virtual Loyalty Cards
Each registered SDRP user receives a virtual loyalty card inside the mobile application.
The virtual card displays:
• current reward tier
• total reward points
• member registration date
• cardholder name
The card updates automatically whenever a new remittance transaction is recorded.
Higher reward tiers correspond to higher annual remittance volumes.
How SDRP Points Are Awarded?
The Sohni Dharti Remittance Program uses two methods to allocate reward points.
Automatic Points Allocation
In most cases, reward points are credited automatically.
Automatic allocation occurs when:
• remittance details match the registered beneficiary
• the remitter identity matches CNIC or passport information
• the transaction is processed through an eligible financial institution
When these details match, the SDRP system updates the reward points automatically in the application.
Self-Award Points Submission
If reward points are not automatically credited due to missing or unmatched transaction details, the remitter can submit the transaction manually through the Self-Award feature.
To submit a self-award request, the user must enter:
• remittance transaction reference number
• remittance amount
• transaction date
• recipient details
Self-award submissions are limited to five attempts within the allowed submission period.
Registering for the SDRP Mobile Application
Users must register through the official Sohni Dharti mobile application.
Registration generally includes the following steps:
1 Download the SDRP mobile application
2 Enter full name and CNIC number
3 Provide passport information
4 Enter current country of residence
5 Verify account information
The application is available in English and Urdu.
Managing Beneficiaries in the SDRP App
The SDRP application allows remitters to manage beneficiaries directly from their account.
Users can:
• add beneficiaries
• edit receiver information
• remove beneficiaries
• link remittance transactions to specific receivers
Adding beneficiaries helps the system automatically match remittances with the SDRP user profile.
Transferring SDRP Reward Points
Remitters can transfer reward points to registered beneficiaries using the SDRP mobile application.
The transfer process follows these steps:
1 Log in to the SDRP mobile application
2 Open the Points Transfer section
3 Select the beneficiary
4 Enter the number of points to transfer
5 Verify the transfer through OTP authentication
6 Points are transferred successfully
Once transferred, beneficiaries can redeem the points for eligible services.
Redeeming SDRP Reward Points
Reward points can be redeemed through participating public sector organizations.
Examples of services available through SDRP rewards include:
Pakistan International Airlines
International air tickets and baggage services
Federal Board of Revenue
Duty payments for imported mobile phones and vehicles
National Database and Registration Authority
CNIC and NICOP renewal fees
Directorate General of Immigration and Passports
Passport renewal services
State Life Insurance Corporation
Insurance premium payments
Utility Stores Corporation
Purchases from government utility stores
Overseas Pakistanis Foundation Schools
School fee payments
Remittance Tracking in the SDRP App
The SDRP mobile application records remittance activity and reward balances.
Users can view:
• reward points balance
• remittance history
• reward tier status
• beneficiaries list
• redemption partners
Points normally appear inside the application within two working days after a remittance transaction.
SDRP Helpline and Support
Users facing issues with registration, remittance tracking, or reward points can contact the official SDRP support channels.
Helpline
+92-21-111-116-757
Email
[email protected]
WhatsApp
+92-21-111-116-757
Key Takeaway
The Sohni Dharti Remittance Program is Pakistan’s official remittance reward initiative designed to encourage overseas Pakistanis to send money through formal financial channels. By offering reward points that can be used for government services, the program provides incentives while strengthening Pakistan’s formal remittance system.
FAQs
What is the Sohni Dharti Remittance Program?
The Sohni Dharti Remittance Program is a reward system introduced by the Government of Pakistan that gives loyalty points to overseas Pakistanis who send remittances to Pakistan through official banking channels.
How are SDRP points calculated?
Points are calculated as a percentage of the remittance amount based on the user’s annual reward tier.
Can SDRP points be transferred to family members?
Yes. Remitters can transfer points to registered beneficiaries through the SDRP mobile application.
How long does it take for SDRP points to appear?
Reward points usually appear in the application within two working days after a remittance transaction.
Which organizations accept SDRP reward points?
Participating organizations include NADRA, PIA, Passport Office, FBR, State Life Insurance, Utility Stores, and Overseas Pakistanis Foundation Schools.