Prize Bonds look simple until you actually need an answer. Draw kab hai? Number kaise check karna hai? Filer ka tax kitna katega? Winning bond kahan claim hoga? And what is the difference between an ordinary Prize Bond and a Premium Prize Bond?
This page answers the questions Pakistani Prize Bond holders commonly ask about results, draw schedules, tax, prize claims, buying and encashment. The information is based mainly on current guidance from National Savings Pakistan and the State Bank of Pakistan. National Savings currently lists six available denominations: Rs.100, Rs.200, Rs.750, Rs.1,500, Rs.25,000 Premium and Rs.40,000 Premium.
Prize Bond Result Questions
How do I check my Prize Bond number?
The easiest way is to enter your number in the BondResult.com Prize Bond Checker and select the correct denomination. You can check one number, several numbers or available historical draws instead of manually opening every result list.
If the checker finds a match, open that specific draw page and confirm the draw number, date, denomination and prize category before taking any financial action.
Where can I find the complete Prize Bond result list?
National Savings publishes denomination-wise official draw lists for Rs.100, Rs.200, Rs.750, Rs.1,500, Rs.25,000 Premium and Rs.40,000 Premium Prize Bonds. Its download section also keeps older draw results.
BondResult.com organizes those results into searchable draw pages so you can check a number without scrolling through a very long Third Prize list.
When is the Prize Bond result announced?
The result is prepared after the scheduled draw takes place. National Savings publishes draw dates in its annual schedule and later makes the winning list available through its result pages. There is no need to rely on an unofficial fixed clock time because processing and publication can vary.
For prize claims, National Savings says claims can usually be lodged a few working days after the draw, once the result has been processed.
How do I know whether a result on BondResult.com is verified?
A BondResult.com draw can be marked Verified after its denomination, draw number, date, city and winning-number data have been checked against the available official result.
For a prize claim, you should still treat the National Savings or SBP record as the official reference. The purpose of BondResult.com is to make checking easier, not to replace the issuing authorities.
Can I check an old Prize Bond result?
Yes. Historical draw lists are available for many years, and National Savings maintains previous result files for individual denominations.
This is especially useful if you discover old Prize Bonds in a drawer or file. Remember, however, that winning a historical draw does not automatically mean the prize can still be claimed because a claim time limit applies.
Prize Bond Draw Questions
How often are Prize Bond draws held?
The exact frequency depends on the denomination. The Government issues an annual draw schedule showing the draw number, place and date for each denomination.
Premium Prize Bonds have four quarterly prize draws each year.
The easiest option is to check the BondResult.com Prize Bond Schedule page for upcoming draws.
Where can I see the complete Prize Bond draw schedule?
National Savings and SBP publish the official annual schedule. BondResult.com also maintains a database-driven schedule showing upcoming draw dates, cities and denominations.
The schedule should always be checked again if you are planning around a future draw because official dates can be revised.
Does the city of the draw affect my Prize Bond?
No special eligibility is given only to people living in the draw city. The city shown in the schedule is the place where that draw is held.
National Savings states that eligibility depends on whether the bond was issued at least 60 days before the draw date, not on where the holder lives. So, for example, an Rs.750 bond bought in Lahore can participate in an eligible Rs.750 draw held in Karachi. This follows from the official eligibility and schedule rules.
What is the 60-day rule for Prize Bonds?
National Savings says a Prize Bond must have been issued at least 60 days before the draw date to be eligible for that draw. It refers to the 60 days before a draw as the shut period, during which sale of that denomination is stopped by the relevant authorized organizations for that draw cycle.
So buying a bond just a few days before a draw does not make it eligible for that particular draw.
Is the Prize Bond draw open to the public?
Yes. National Savings says the draw is conducted by a committee constituted by the Central Directorate of National Savings and is open to the public. It also states that members of the public may attend a draw ceremony by producing their original CNIC.
Can anyone guarantee that a Prize Bond will win?
No. National Savings explicitly says there is no way to ensure that a purchased Prize Bond will win.
Avoid websites, WhatsApp groups or agents claiming they can predict guaranteed winning numbers, secret series or confirmed future winners.
Prize Bond Tax Questions
How much tax does a filer pay on Prize Bond winnings?
The currently published rate is 15% of the prize amount for people appearing on the Active Taxpayers List. The tax is deducted at source when the prize is paid.
You can use the BondResult.com Prize Bond Tax Calculator to estimate the amount.
How much tax does a non-filer pay?
The currently published withholding tax rate for a non-filer is 30% of the prize money.
That is twice the current filer rate.
How can I calculate my net Prize Bond amount?
Use:
Tax = Gross Prize × Tax Rate
Then:
Net Prize = Gross Prize − Tax
For example, on a Rs.1,000,000 prize:
| Tax Status | Tax | Estimated Net |
|---|---|---|
| ATL/Filer at 15% | Rs.150,000 | Rs.850,000 |
| Non-Filer at 30% | Rs.300,000 | Rs.700,000 |
Rates can change through government tax measures, so check the current rate at the time of payment.
Does tax apply only to the First Prize?
No. The published rule applies withholding tax to prize money, rather than only to First Prize winners. The actual deduction therefore depends on the amount won and the winner’s tax status.
Prize Claim Questions
How do I claim Prize Bond prize money?
For an ordinary National Prize Bond, first verify your winning number and then complete the prescribed prize-money claim process. National Savings says the claimant submits the claim form with the required identity and bond documents, while SBP currently provides the PB-23 Prize Money Claim Application Form.
See the BondResult.com Prize Bond Claim Guide for the detailed process.
What documents are required?
Current National Savings guidance lists the original winning bond, photocopy of a valid CNIC, and a photocopy of the winning bond signed on the back, along with the prescribed claim form.
Always check the latest official form before submission because procedural requirements may be updated.
How long do I have to claim a winning Prize Bond?
National Savings currently gives a maximum claim period of six years from the date of the relevant draw.
The six-year period starts from the draw date, not from the day you later discover that your bond won.
Can I claim a damaged Prize Bond?
Possibly. National Savings says prize money on a damaged bond may be claimed subject to clearance under the applicable rules. SBP also maintains a specific application for mutilated or defaced Prize Bonds.
Do not try to repair, laminate or alter a damaged bond yourself before seeking official guidance.
What happens if I lose an ordinary Prize Bond?
An ordinary National Prize Bond is a bearer instrument. National Savings explains that ownership belongs to the holder, much like possession of currency, so payment generally cannot simply be stopped because a bearer bond is reported lost.
Premium Prize Bonds are different because they are registered in the investor’s name.
Premium Prize Bond Questions
What is a Premium Prize Bond?
A Premium Prize Bond is a registered government Prize Bond that provides eligibility for prize draws as well as periodic profit. Unlike ordinary bearer Prize Bonds, it is registered in the investor’s name.
Which Premium Prize Bond denominations are available?
National Savings currently lists:
Rs.25,000 Premium Prize Bond and Rs.40,000 Premium Prize Bond.
The current highest listed prizes are Rs.30 million for Rs.25,000 Premium and Rs.80 million for Rs.40,000 Premium.
How many Premium Prize Bond draws are held each year?
There are four quarterly prize draws per year. National Savings also describes Premium Prize Bonds as providing bi-annual profit payments.
Do Premium Prize Bonds have to be registered?
Yes. Registration is a key feature of the scheme. SBP’s Premium Prize Bond guidance states that registration at the office of issue is mandatory before purchase.
This is one of the main differences between Premium Prize Bonds and ordinary bearer Prize Bonds.
How is Premium Prize Bond prize money paid?
National Savings says Premium Prize Bond prize money is credited directly to the investor’s registered bank account. A separate prize claim form is not required for the normal payment of prize money.
The same direct-credit approach applies to the periodic profit.
Do Premium Prize Bonds pay profit as well as prizes?
Yes. Premium Prize Bonds combine eligibility for quarterly prize draws with profit payments made on a bi-annual basis.
The applicable profit rate may be revised by the Government, so check the latest National Savings notification instead of relying on an old percentage copied from another website.
Is tax deducted from Premium Prize Bond winnings and profit?
Yes. National Savings states that withholding tax applies to Premium Prize Bond prize money and profit.
The applicable rate should be checked against the prevailing government tax rules at the time of payment.
Buying and Encashing Prize Bond Questions
Where can I buy ordinary Prize Bonds?
National Savings says ordinary Prize Bonds can be purchased through National Savings Centres, SBP BSC offices and designated/authorized commercial bank branches, subject to the applicable sale and shut-period rules.
Is there a maximum limit on how many Prize Bonds I can buy?
National Savings currently says there is no purchase limit for ordinary Prize Bonds.
Of course, buying more bonds increases the amount of money you have invested; it does not guarantee that any particular bond will win.
How do I encash an ordinary Prize Bond?
Present the original Prize Bond at an authorized SBP BSC office, National Savings Centre or authorized commercial bank facility and receive its face value according to the applicable procedure.
Encashing a normal, non-winning bond is different from claiming prize money.
Does an ordinary Prize Bond expire?
National Savings states that a Prize Bond remains valid until the relevant scheme is terminated.
This is different from the six-year limit for claiming a particular prize. The six-year rule relates to a winning claim from a specific draw.
Can I buy a Prize Bond during the shut period?
National Savings says authorized organizations stop selling the relevant denomination during the 60-day shut period before its draw.
If you want your bond to participate in an upcoming draw, the important point is to buy it early enough to satisfy the eligibility rule.
Where can I buy or encash Premium Prize Bonds?
Premium Prize Bonds can be purchased through SBP BSC offices and authorized commercial bank branches. National Savings says purchase can be made through permitted methods including cash, cheque, pay order and bank draft.
Because Premium Prize Bonds are registered, their purchase and encashment procedures involve identity and bank-account records that do not apply in the same way to ordinary bearer Prize Bonds.
For number checking, use the Prize Bond Checker. For current deduction estimates, use the Prize Bond Tax Calculator. If your number has won, read the Prize Bond Claim Guide before submitting documents. For upcoming dates, open the Prize Bond Schedule. These four pages should answer almost every practical question a bond holder has before or after a draw.