Prize Bond Schedule 2026 Pakistan — Every Draw Date and City
In Pakistan, prize bonds are a scheme of the Central Directorate of National Savings (CDNS), and each denomination is drawn 4 times a year in different cities. This guide sets out, from CDNS's own documents, every date and city in the prize bond schedule 2026, the prize amounts, how to claim, and the withholding tax charged on winners.
1. Prize Bond Denominations 2026 — Which Bonds Exist?
According to CDNS, these are the bonds currently on issue — four ordinary (bearer) prize bonds and two registered Premium Prize Bonds. Prize amounts are from each denomination's latest result file:
| Bond | 1st Prize | 2nd Prize | 3rd Prize |
|---|---|---|---|
| Rs. 100 | Rs. 700,000 | Rs. 200,000 | — |
| Rs. 200 | Rs. 750,000 | Rs. 250,000 | Rs. 1,250 |
| Rs. 750 | Rs. 1,500,000 | Rs. 500,000 | Rs. 9,300 |
| Rs. 1,500 | Rs. 3,000,000 | Rs. 1,000,000 | Rs. 18,500 |
| Rs. 25,000 Premium | Rs. 30,000,000 | Rs. 10,000,000 | Rs. 300,000 |
| Rs. 40,000 Premium | Rs. 80,000,000 | Rs. 30,000,000 | Rs. 500,000 |
The Rs 100 May 2026 result file does not state the third-prize amount clearly, so it is not given here. Rs 7,500, Rs 15,000 and ordinary (bearer) Rs 25,000 / Rs 40,000 bonds are not among CDNS's current denominations.
2. Prize Bond Schedule 2026 — Every Draw and City
According to CDNS's official schedule (No.F.3(12) Sch-2/PB-15, 21 October 2025):
| Bond | 2026 Draws (date and city) |
|---|---|
| Rs. 100 | 16 Feb (Karachi) · 15 May (Hyderabad) · 17 Aug (Multan) · 16 Nov (Faisalabad) |
| Rs. 200 | 16 Mar (Faisalabad) · 15 Jun (Karachi) · 15 Sep (Muzaffarabad) · 15 Dec (Peshawar) |
| Rs. 750 | 15 Jan (Peshawar) · 15 Apr (Quetta) · 15 Jul (Lahore) · 15 Oct (Rawalpindi) |
| Rs. 1,500 | 16 Feb (Lahore) · 15 May (Sialkot) · 17 Aug (Faisalabad) · 16 Nov (Hyderabad) |
| Rs. 25,000 Premium | 10 Mar (Multan) · 10 Jun (Peshawar) · 10 Sep (Quetta) · 10 Dec (Karachi) |
| Rs. 40,000 Premium | 10 Mar (Rawalpindi) · 10 Jun (Muzaffarabad) · 10 Sep (Sialkot) · 10 Dec (Lahore) |
Remaining draws (after 25 September 2026): 15 Oct Rs 750 (Rawalpindi), 16 Nov Rs 1,500 (Hyderabad) and Rs 100 (Faisalabad), 10 Dec Premium Rs 40,000 (Lahore) and Rs 25,000 (Karachi), and 15 Dec Rs 200 (Peshawar). According to CDNS, if a draw date falls on a holiday, the draw is held on the next working day.
3. Withholding Tax on Prize Bonds 2026
According to CDNS, tax of 15% for filers (named on the ATL) and 30% for non-filers is deducted from the prize at payment — the rate is the same whether the prize is small or large. Under section 156(3) of the Income Tax Ordinance it is a final tax, so it is not adjusted or refunded later.
| Example | Filer (15%) | Non-Filer (30%) |
|---|---|---|
| Rs 1,500 bond — 1st prize Rs 3,000,000 | Tax Rs 450,000 · you receive Rs 2,550,000 | Tax Rs 900,000 · you receive Rs 2,100,000 |
| Rs 40,000 Premium — 1st prize Rs 80,000,000 | Tax Rs 12,000,000 · you receive Rs 68,000,000 | Tax Rs 24,000,000 · you receive Rs 56,000,000 |
4. How to Check a Prize Bond Result
- Draw lists: the “Download Draws” section of savings.gov.pk has the draw list for each denomination.
- Draw Search: the “Draw Search” tool on savings.gov.pk, to look up your bond number.
- Draw ceremony: according to CDNS, members of the public can attend a draw ceremony by showing their original CNIC.
5. What to Do If You Win
How to Claim a Prize (ordinary prize bonds)
- ✅ 6 years to claim: according to CDNS, a prize can be claimed for up to 6 years from the draw date; a claim is normally lodged 3–5 working days after the draw
- ✅ Where: prizes up to Rs 1,250 at any National Savings Centre, authorized bank branch or the State Bank of Pakistan; above Rs 1,250 only at State Bank of Pakistan branches
- ✅ Documents: the claim form (on savings.gov.pk), a copy of your CNIC, the original winning bond, and a copy of the bond signed on the back
- ✅ No fee: there is no charge for the claim form
- ✅ Filer status: the tax rate depends on your ATL status at the time of payment — 15% if you are on the ATL, otherwise 30%
Only bonds issued at least 60 days before a draw are eligible for its prizes. During those 60 days before the draw (the “shut period”), sales of that denomination are closed.
6. Premium Prize Bond vs Regular Prize Bond
| Feature | Regular Prize Bond | Premium Prize Bond |
|---|---|---|
| Denominations | Rs 100, 200, 750, 1,500 | Rs 25,000 and Rs 40,000 |
| Ownership | Bearer — whoever holds the bond owns it | Registered in the investor's name; transferable and pledgeable |
| Return | Prizes only | Prizes plus bi-annual profit |
| Payment | Through a claim form | Prizes and profit straight to your bank account, no form needed |
| Tax | 15% (filer) / 30% (non-filer) on prizes | 15% (filer) / 30% (non-filer) on both prizes and profit |
| Zakat | Not stated by CDNS | Exempt, according to CDNS |
To buy a premium bond, CDNS asks for a copy of your CNIC, a bank Account Maintenance Certificate (with IBAN), a tax certificate if you are a filer, and your nominee's CNIC details. Check CDNS's profit rates list for the current profit rate.
7. FAQ — Prize Bond Pakistan 2026
Q1. Is there a limit on how many prize bonds I can buy?
Not according to CDNS — prize bonds can be bought in any quantity from SBP BSC field offices, National Savings Centres and designated bank branches. A resident individual lists all their assets in the wealth statement filed with the return (section 116(2)), so prize bonds go in it too.
Q2. How do I encash an old prize bond?
Present the original bond at the counter of an SBP BSC office, a commercial bank or a National Savings Centre and take its face value. According to CDNS, a prize bond stays valid until the scheme is closed.
Q3. What if I lose a prize bond?
An ordinary prize bond is a bearer instrument — in CDNS's words, ownership rests with whoever holds it, “just like currency notes”, so payment of its prize is not stopped if it is lost. Premium bonds are registered in the investor's name, and their prizes go straight to a bank account.
Q4. How many bonds are in a series, and can winning be guaranteed?
According to CDNS, a series has 999,999 bonds. The draw is made by a committee using a hand-operated machine, and no bond can be guaranteed to win — holding more bonds raises your chances, but each prize is drawn separately.
Source: CDNS (savings.gov.pk), read 25 September 2026: the Draw Schedule of National and Premium Prize Bonds for 2026 (No.F.3(12) Sch-2/PB-15, 21 October 2025); the Prize Bonds and Premium Prize Bond FAQs; the Premium Prize Bond product page; and the latest result file of each denomination (Rs 100 May 2026; Rs 200 15 Sep 2026; Rs 750 Apr 2026; Rs 1,500 May 2026; Premium Rs 25,000 and Rs 40,000, 10 Sep 2026). Final-tax status from section 156(3) and wealth statement from section 116(2) of the Income Tax Ordinance 2001 (as amended to 30 June 2026). Written by Bilal Hassan — see how we verify rates.
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