Prize Bonds can look simple until you need an answer about a draw date, a winning claim, tax, a lost bond or the difference between an ordinary bond and a Premium Prize Bond.
This Saving.com.pk FAQ page brings the most common questions together in one place. For changing rules, we give priority to National Savings, SBP/SBP BSC, and FBR where tax information is involved.
Last reviewed: September 2026
Prize Bond Basics
What Prize Bond denominations are currently available in Pakistan?
Pakistan currently has six active Prize Bond denominations:
- Rs.100
- Rs.200
- Rs.750
- Rs.1,500
- Rs.25,000 Premium Prize Bond (Registered)
- Rs.40,000 Premium Prize Bond (Registered)
The first four are ordinary bearer National Prize Bonds. Rs.25,000 and Rs.40,000 are registered Premium Prize Bonds.
For a denomination-by-denomination overview, see /prize-bond-denominations/.
Are Rs.7,500 and Rs.15,000 Prize Bonds still available?
No. Rs.7,500 and Rs.15,000 bearer Prize Bonds were withdrawn from circulation.
The old bearer Rs.25,000 and Rs.40,000 denominations were also withdrawn. They should not be confused with today’s Rs.25,000 and Rs.40,000 Premium Prize Bonds (Registered).
The final government extension for encashment or conversion of the withdrawn high-value bearer bonds ended on 31 December 2024.
See /discontinued-prize-bonds/ for the history and deadlines.
What is the difference between a bearer Prize Bond and a Premium Prize Bond?
An ordinary Rs.100, Rs.200, Rs.750 or Rs.1,500 Prize Bond is a bearer instrument. Physical possession of the bond is important.
Premium Prize Bonds of Rs.25,000 and Rs.40,000 are registered in the investor’s name. Prize money and biannual profit are credited to the registered bank account, and official procedures exist for transfer and lost bonds.
Read /premium-prize-bonds/ for a full comparison.
Buying and Owning Prize Bonds
Where can I buy Prize Bonds in Pakistan?
Ordinary National Prize Bonds can be purchased from:
- SBP BSC offices
- National Savings Centres
- designated commercial-bank branches
Premium Prize Bonds can be purchased through SBP BSC and authorized commercial-bank branches.
For the complete purchase process, see /how-to-buy-prize-bonds/.
Do I need a CNIC to buy a Prize Bond?
Yes. SBP BSC’s National Prize Bond purchase process requires a valid CNIC copy.
Premium Prize Bonds require additional information because they are registered, including bank-account details and nominee information.
Is there a limit on how many Prize Bonds I can buy?
National Savings currently says there is no purchase limit for ordinary National Prize Bonds.
Premium Prize Bonds are also described as having no upper investment or tenure limit under the current scheme.
This does not mean a Prize Bond provides a guaranteed return or guaranteed chance of winning.
Can I choose a special or lucky Prize Bond number when buying?
Official purchase procedures do not provide a guaranteed “lucky,” “VIP” or future-winning number.
National Savings directly states that there is no way to ensure that a purchased Prize Bond will win.
A particular digit pattern may look attractive, but it does not provide official evidence of a better chance of winning.
Can I buy Prize Bonds online?
Current official National Savings material lists several digital savings products, but Prize Bonds are not listed among those digital-purchase products. Official purchase guidance continues to refer to SBP BSC, National Savings Centres and authorized commercial banks.
Be cautious with unofficial websites, social-media accounts or individuals offering “online Prize Bonds.”
Draw Dates and Eligibility
How often are Prize Bond draws held?
Different denominations have their own draw dates during the year. Premium Prize Bonds have four quarterly draws each year.
The easiest way to see denomination, draw number, date and city together is the Saving.com.pk /draw-schedule/.
How do I know when the next Prize Bond draw will take place?
The annual official schedule gives the draw number, date and place/city for each draw.
Saving.com.pk organizes these dates on /draw-schedule/, while National Savings and SBP provide the underlying official schedule information.
What does the 60-day rule mean?
National Savings states that a National Prize Bond must have been issued at least 60 days before the draw date to qualify for a prize in that draw.
Buying a newly issued bond just a few days before a draw therefore does not make it eligible for that particular draw.
What is the Prize Bond shut period?
The shut period is the 60-day period before a denomination’s draw when SBP and other authorized organizations stop selling that denomination.
This ties directly to the 60-day eligibility rule.
How are Prize Bond winning numbers selected?
National Savings says the draw takes place through a hand-operated draw machine under a committee constituted by the Central Directorate of National Savings. The ceremony is open to the public, and the machine can be checked before the draw.
The full process is explained at /how-prize-bond-draw-works/.
Checking Prize Bond Results
How can I check whether my Prize Bond has won?
Use the Saving.com.pk /power-search/ to search available historical winning-number records.
For an important win:
- enter the complete bond number;
- note the denomination and draw;
- open the relevant result;
- compare it with the corresponding official National Savings record before making a financial claim.
Can I check several Prize Bond numbers together?
Yes. Saving.com.pk’s Power Search is intended to make checking easier when you have more than one bond. Depending on the available search mode, you can check individual numbers, multiple numbers or a number range without opening every historical draw manually.
Use /power-search/.
Why are leading zeros important?
Prize Bond numbers should be treated as full six-digit identifiers.
For example:
004381
should not be shortened to:
4381
Saving.com.pk preserves leading zeros in its winning-number database because removing them can make a correct number appear different from the number printed on the physical bond.
Is a Saving.com.pk result enough to claim prize money?
No website checker should be treated as the final financial authority.
Saving.com.pk is designed to help you locate and search results quickly. For an actual prize claim, compare the winning number with the corresponding official National Savings/SBP BSC result and follow the applicable claim procedure.
You can read how results are handled at /how-we-verify-prize-bond-results/.
Claiming Prize Money
How do I claim Prize Bond winnings?
For an ordinary winning bearer Prize Bond, prepare the original bond, valid CNIC and the current prescribed claim documentation.
SBP BSC currently lists PB-23 as the Prize Money Claim Application Form.
For a step-by-step explanation, use /how-to-claim-prize-bond/.
Is PB-1 the current Prize Bond winning claim form?
Not for the normal prize-money claim.
SBP BSC’s current forms page lists:
PB-23 — Prize Money Claim Application Form
It separately lists PB-1-A for payment of the face value of mutilated or defaced National Prize Bonds.
This is why an old PB-1 download from another website should not automatically be used for a current winning claim.
Where can Prize Bond winnings be claimed?
SBP BSC’s published National Prize Bond guidance currently provides these channels:
| Prize amount | Claim channel |
|---|---|
| Up to Rs.1,250 | SBP BSC, designated commercial bank or National Savings Centre |
| Above Rs.1,250 up to Rs.500,000 | SBP BSC or designated commercial bank |
| Above Rs.500,000 | SBP BSC |
The commercial-bank facility is for participating/designated branches and applies under the prescribed conditions.
If using a bank, confirm that the particular branch provides the service before visiting.
How long do I have to claim a Prize Bond prize?
The maximum claim period is currently six years from the date of the relevant draw.
Finding an old winning result does not automatically mean the claim period is still open. Check the actual draw date.
See /prize-bond-claim-period/.
Is the original winning Prize Bond required?
Yes. For ordinary bearer Prize Bonds, official claim guidance requires the original winning bond along with the prescribed documents and a signed photocopy.
Keep it secure until you are ready to use the authorized claim process.
Can a damaged Prize Bond still be claimed?
Potentially, yes, but it is subject to clearance under the applicable rules. National Savings confirms that damaged winning bonds can be considered under the prescribed procedure.
Do not alter or attempt to repair an important damaged bond yourself. Take it to the appropriate SBP BSC office for guidance.
What happens to the original winning bond after a successful claim?
SBP BSC’s published guidance states that the winning bearer bond submitted with the claim is not returned in the normal claim process; its face value is dealt with as part of settlement.
Keep a photocopy or record of the bond and claim documents before submitting the original.
Prize Bond Tax
How much tax is deducted from Prize Bond winnings?
National Savings currently states:
- Filer / ATL: 15%
- Non-filer / not on ATL: 30%
The tax is deducted at source from the prize money.
For calculations and examples, see /prize-bond-tax/.
What does filer or ATL status mean for a Prize Bond winner?
ATL means Active Taxpayers List.
FBR states that being on the ATL provides a lower withholding-tax rate on Prize Bond winnings.
The current National Savings rates are 15% for filers and 30% for non-filers.
Premium Prize Bonds
What is a Premium Prize Bond?
A Premium Prize Bond is a registered Prize Bond that combines quarterly prize draws with biannual profit.
The two current denominations are:
- Rs.25,000 Premium
- Rs.40,000 Premium
Ownership is recorded in the investor’s name, and both prize money and profit are credited directly to the registered bank account.
What is the highest prize on Premium Prize Bonds?
National Savings currently lists:
- Rs.25,000 Premium: highest prize Rs.30,000,000
- Rs.40,000 Premium: highest prize Rs.80,000,000
See /rs-25000/ and /rs-40000/ for draw results.
Do Premium Prize Bond holders need to submit a prize claim form?
Normally, no.
National Savings states that prize money is directly credited to the registered investor’s bank account, so the standard bearer-bond claim form is not required for normal Premium Prize Bond winnings.
What is the current Premium Prize Bond profit rate?
National Savings currently states a 2.92% biannual profit rate in its Premium Prize Bond FAQs.
Rates can change by government notification, so check the latest official information before relying on a historical rate.
Can Premium Prize Bonds be transferred?
Yes. Premium Prize Bonds are transferable under the prescribed registered procedure.
SBP BSC currently provides an official purchase/encashment/transfer application, and its guidance requires the relevant ownership and identification documentation.
What happens if a Premium Prize Bond is lost?
Because a Premium Prize Bond is registered, there is an official lost-bond procedure.
SBP BSC currently lists PPB-7 — Application for Lost PPB for individual and joint investors.
This is very different from losing an ordinary bearer Prize Bond.
Guess Papers, Predictions and Safety
Can anyone predict the next Prize Bond winning number?
No official method can guarantee a future winning number.
National Savings specifically answers the question of whether a purchased Prize Bond can be ensured to win with “No.”
Historical results can be searched, but they do not reveal the next official result.
Are Prize Bond guess papers or VIP numbers reliable?
Guess papers may contain opinions, historical patterns or number selections, but they should not be treated as confirmed future results.
Terms such as “VIP number,” “100% winning number,” “sure number” or “secret formula” are not official Prize Bond categories.
What should I do if someone says I have won and asks for money?
Do not pay an unsolicited person to “release” a Prize Bond prize.
Also never share:
- OTP
- ATM PIN
- internet-banking password
- mobile-banking PIN
Pakistan’s cybercrime authorities warn users not to share PINs, passwords or OTPs in financial-fraud situations. A genuine Prize Bond claim follows an official procedure rather than requiring private banking credentials to be sent to a stranger.