Prize Bond Schedule 2026 Pakistan — Tamam Draws Ki Dates Aur Cities
Pakistan mein prize bonds sabse popular aur safe investment mani jati hain. National Savings har saal ek schedule ke mutabiq alag alag cities mein draws munaqid karta hai. Is guide mein hum prize bond schedule 2026 ki tamam dates, cities, prize amounts, aur winners par lagney wale withholding tax ki complete information denge.
1. Prize Bond Denominations 2026 — Kitni Qisam Ke Bonds Hain?
Pakistan mein filhaal ye denominations available hain:
| Denomination | 1st Prize | 2nd Prize | Draws Per Year |
|---|---|---|---|
| Rs. 200 | Rs. 750,000 | Rs. 250,000 | 4 |
| Rs. 750 | Rs. 1,500,000 | Rs. 500,000 | 4 |
| Rs. 1,500 | Rs. 3,000,000 | Rs. 1,000,000 | 4 |
| Rs. 7,500 | Rs. 15,000,000 | Rs. 5,000,000 | 4 |
| Rs. 15,000 | Rs. 30,000,000 | Rs. 10,000,000 | 4 |
| Rs. 25,000 | Rs. 50,000,000 | Rs. 15,000,000 | 4 |
| Rs. 40,000 | Rs. 75,000,000 | Rs. 25,000,000 | 4 |
2. Prize Bond Schedule 2026 — Quarterly Draws
Har denomination ka draw saal mein 4 baar hota hai. 2026 ka schedule kuch is tarah hai:
| Denomination | Q1 (Jan–Mar) | Q2 (Apr–Jun) | Q3 (Jul–Sep) | Q4 (Oct–Dec) |
|---|---|---|---|---|
| Rs. 200 | 15 Jan | 15 Apr | 15 Jul | 15 Oct |
| Rs. 750 | 15 Feb | 15 May | 15 Aug | 15 Nov |
| Rs. 1,500 | 15 Jan | 15 Apr | 15 Jul | 15 Oct |
| Rs. 7,500 | 1 Feb | 1 May | 1 Aug | 1 Nov |
| Rs. 15,000 | 1 Mar | 1 Jun | 1 Sep | 1 Dec |
| Rs. 25,000 | 10 Feb | 10 May | 10 Aug | 10 Nov |
| Rs. 40,000 | 10 Mar | 10 Jun | 10 Sep | 10 Dec |
Note: Exact dates confirm karne ke liye National Savings ki official website savings.gov.pk zaroor check karein — kabhi kabhi dates thodi change hoti hain.
3. Prize Bond Par Withholding Tax 2026
Prize jeetne par khushi ke saath tax bhi aata hai. Filer hone par kaafi bachat hoti hai:
| Prize Amount | Filer WHT | Non-Filer WHT |
|---|---|---|
| Rs. 1 – Rs. 500,000 | 15% | 25% |
| Rs. 500,001 – Rs. 1,000,000 | 15% | 25% |
| Rs. 1,000,001 aur upar | 15% | 25% |
Real Example: Agar aap ne Rs. 40,000 bond par 1st prize Rs. 75,00,000 jeeta:
| Status | Tax (WHT) | Net Amount Milega |
|---|---|---|
| Filer | Rs. 11,25,000 (15%) | Rs. 63,75,000 |
| Non-Filer | Rs. 18,75,000 (25%) | Rs. 56,25,000 |
| Filer banne se saving | Rs. 7,50,000! | |
4. Prize Bond Result Kaise Check Karein?
- Official website: savings.gov.pk par draw date ke baad result upload ho jata hai.
- National Savings app: Mobile app se bhi result check kar sakte hain.
- Newspaper: Draw ke agle din tamam bade akhbaron mein result chhapta hai.
- SMS service: Kuch banks SMS par result bhejte hain — apni bank se confirm karein.
5. Prize Bond Jeetne Par Kya Karein?
Prize Claim Karne Ka Tariqa
- ✅ 6 saal ka waqt: Prize claim karne ki deadline draw date se 6 saal hai
- ✅ Original bond: Asli prize bond saath lana zaroori hai
- ✅ CNIC: Apna original Shanakhti Card saath rakhen
- ✅ National Savings office: Apne shehar ke National Savings office mein jain
- ✅ Bank account: Prize amount seedha bank account mein aata hai — WHT kat kar
- ✅ Filer hona zaroori: Claim karne se pehle filer ban jayein — 10% extra tax bachega
6. Premium Prize Bond vs Regular Prize Bond
2020 ke baad se Premium Prize Bonds available hain jo regular bonds se alag hain:
| Feature | Regular Prize Bond | Premium Prize Bond |
|---|---|---|
| Purchase | Kisi se bhi | Sirf bank account se |
| Transfer | Cash mein transfer ho sakta | Sirf registered holder |
| Prize Tax | 15% (filer) / 25% (non-filer) | 15% (filer) / 25% (non-filer) |
| Denominations | Rs. 200 – Rs. 40,000 | Rs. 25,000 / Rs. 40,000 |
7. FAQ — Prize Bond Pakistan 2026
Q1. Kya prize bond khareedne ki koi limit hai?
Regular prize bonds ki koi limit nahi. Lekin FBR ke paas large transactions ka record hota hai — isliye prize bonds bhi wealth statement mein declare karne chahiye.
Q2. Purana prize bond encash kaise karein?
Kisi bhi National Savings Center ya authorized bank branch mein face value par encash ho jata hai. Prize na jeetne wale bonds bhi kisi bhi waqt cash karwa sakte hain.
Q3. Prize bond khone par kya karein?
National Savings office mein FIR copy aur application dein. Premium bonds registered hoti hain isliye replace ho sakti hain — regular bonds replace nahi hote.
Q4. Prize bond par Zakat lagti hai?
Prize bonds ki face value par Zakat nahi lagti. Lekin agar prize jeeta toh wo raqam Nisab se zyada hone par Zakat ke dayre mein aa jati hai.