SCHEMES

Please click the name of certificate/account in which you are interested or click the profit rates to see the rates applicable on different products.

CERTIFICATES Defense Saving Certificates (DSC)                             (Profit Rates)*  Special Saving Certificates Registered (SSCR)    (Profit Rates)*  Regular Income Certificates (RIC) (Profit Rates)*  Bahbood Savings Certificates (BSC)                            (Profit Rates)*
ACCOUNTS Savings Account (SA) (Profit Rates)*  Special  Savings Account (SSA) (Profit Rates)*  Pensioner's Benefit Account (PBA) (Profit Rates)*

*(The revised profit rates are applicable on the fresh investments made during that period till their maturity or encashment which-ever is earlier. The revision whether upward or downward is not applicable automatically on the existing investments, however any upward revision of rate of profit shall be applicable to existing Behbood Savings Certificates and Pensioners Benefit Accounts but any downward revision of such rate of profit shall only be applicable on fresh investments).

FREQUENTLY ASKED QUESTIONs

   General Quires

   Investment From Abroad

   Prize Bonds & Payment of Prize Money

   Withholding Tax

   Zakat Matters

NATIONAL SAVINGS BONDS

NATIONAL SAVINGS BONDS

[ click her to enlarge ]

PRIZE BONDS

Prize Bonds are bearer type of security available in the denominations of Rs.200, Rs.750, Rs.1,500, Rs.7,500, Rs.15,000 and Rs.40,000. These bonds are issued in series. Each series consist of one less than 1,000,000 bonds. No fixed return is paid but prize draws are held on quarterly basis. The draws are held under common draw method and the number of prizes are same for each series. It means that if 50 series of Rs.200 Prize Bond are in circulation. Then on each draw we have 50 winners of 1st prize and 250 winners of 2nd Prize and so on. The number and amount of prizes on various denomination of prize bonds for each series is shown in the following table*:

Denomination (Rs)	First Prize		2nd Prize		3rd Prize
	No.	Amount(Rs)	No.	Amount(Rs)	No.	Amount(Rs)
200/-	01	600,000	05	200,000	2,394	1,000
750/-	01	1,200,000	03	400,000	1,696	7,500
1,500/-	01	2,400,000	03	800,000	1,696	15,000
7,500/-	01	12,000,000	03	4,000,000	1,696	75,000
15,000/-	01	24,000,000	03	8,000,000	1,696	150,000
40,000/-	01	60,000,000	03	20,000,000	1,696	400,000

*  For the prize bond draws held on or after 1st September, 2008.

For previous details click here

PRIZE BOND SCHEDULE

PRIZE BOND SCHEDULE

Schedule Of Prize Bonds Draws For Calendar Year, 2012

Schedule Of Prize Bonds Draws For Calendar Year, 2013 

      In case, if draw date falls on public holiday the draw  will be held on the following   working day(s).

PRIZE WINING NUMBERS INFORMATION

PRIZE WINING NUMBERS INFORMATION

[Updated till 2012] [ Search Your Numbers ]

PENSIONERS BENEFIT ACCOUNT (Profit Rates)

Keeping in view the hardships faced by the pensioners, this ten years' maturity scheme was launched by the Government on 19th January, 2003. The deposits are maintained in the form of accounts and the profit is paid on monthly basis reckoned from the date of opening of the account. 

Who Can Invest .

The pensioners of Federal Government, Provincial Governments, Government of Azad Jammu & Kashmir, Armed Forces, Semi Government and Autonomous bodies  are allowed to invest.

How To Open an Account.

These accounts can only be opened at the National Savings Centre (NSCs) by filling in a prescribed form called DA-1, which is available at the offices of issue free of cost. A copy of the Computerized National Identity Card (CNIC) and the copy of Pension Payment Order may be attached with the application form. To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.
The account can be opened by depositing cash at the issuing office or by presenting a cheque. The account shall immediately be opened on receipt of cash. However, in case of deposit through cheque the account shall be opened with effect from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.
The minimum investment limit is Rs.10,000/-, whereas, the maximum limit is Rs.3,000,000/-. If an investor has already opened an account, he is eligible to invest only two subsequent deposits in that account. 

What About Withdrawal.

The deposits can be withdrawn any time after date of deposit subject to deduction of service charges at the following rates:

if withdrawn before completion of one year from the date of deposit.	@ 1.00%   of the face value
if withdrawn after one year but before completion of 02 years from the date of deposit.	@ 0.75%   of the face value
if withdrawn after two years but before completion of 03 years from the date of deposit.	@ 0.50%   of the face value
if withdrawn after three years but before completion of 04 years from the date of deposit.	@ 0.25%   of the face value

Note: A receipt of the service charges so deducted, duly signed by the officer incharge and the cashier,  shall be issued to the investor.

                                   

What Will I Get As Profit.

At the prevailing rates monthly profit of Rs.1080/- is paid on investment of each Rs.100,000/-. This way the profit rate works to 12.96% p.a. Automatic reinvestment of profit facility to earn further profit at the scheme's rate is not admissible in this scheme.

Tax & Zakat Status.

The withholding tax is not collected on the profit earned on the deposits made in this scheme. The investment made in the scheme is also exempt from Zakat.

SPECIAL SAVINGS ACCOUNT [Profit Rates]

A three years maturity scheme introduced in February, 1990. Thedeposits are maintained in form of an account. Profit is paid on the completion of each period of six months.

Who Can Invest .

The account can be opened by an individual in his name or in the name of minor(s) dependent on him or by two individuals jointly in their names. Institutions may also invest individual funds such as pension, gratuity, superannuation, contributory provident funds and trusts etc.

How To Invest.

These accounts can be opened at any National Savings Centre (NSCs) and Pakistan Post Office (PPO) by filling in a prescribed form called DA-1, which is available at all the above offices of issue free of cost. A copy of the Computerized National Identity (CNIC) Card or in case of a foreign national, a copy of the Passport may be attached with the application form. To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.

The accounts can be opened by depositing cash at the issuing office or by presenting a cheque. The passbook and withdrawal slip shall immediately be issued on receipts of cash. However, in case of deposit through cheque the account shall be opened from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.

The minimum investment limit in this scheme is Rs.500/-.  There is not maximum limit, however, the deposits are required to be made in multiple of Rs.500/-.

When Can I Withdraw my deposits.

The amount be withdrawn at par any time after the date of its deposit. However, no profit is payable in case the withdrawals are made before completion of 6 months.

What Will I Get As Profit.

At the prevailing rates the profit is paid @ 9.90% p.a. for 1st five profits and the last profit @ 10.50% p.a. However, if the profit is not withdrawn on due date, it will automatically stand reinvested and would be calculated for further profit on completion of the next 06 months period.

Tax & Zakat Status.

At present, the profit earned is exempt from withholding tax, if the total investment in the scheme by the investor(s) does not exceed Rs.150,000/-.  However, withholding tax @ 10% is deductible at source on the profit(s) earned if the total investment exceeds Rs.150,000/- by the investor(s). The Zakat is collected at source as per rules at the time of withdrawal of principle amount. However, Zakat is not collected in case of reinvestment.

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SAVINGS ACCOUNT [Profit Rates]

This is the oldest scheme among the National Savings instruments. The scheme has been designed to encourage the small savers and to meet their day to day needs.  This is an ordinary account and frequent withdrawals ( thrice a week) can be made through this account. .

Who Can Invest .

The account can be opened by a single adult, two adults in their joint names with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B), any minor of whom he is a guardian.Institutions may also invest individual funds such as pension, gratuity, superannuation, contributory provident funds and trusts etc.

How To Invest.

These account can be opened at any National Savings Centre (NSCs) and Pakistan Post Office (PPO) by filling in a prescribed form called DA-1, which is available at all the above offices of issue free of cost. A copy of the Computerized National Identity Card (CNIC) or in case of a foreign national, a copy of the Passport may be attached with the application form. To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.
The accounts can be opened by depositing cash at the issuing office or by presenting a cheque. The passbook and withdrawal slip shall immediately be issued on receipts of cash. However, in case of deposit through cheque the account shall be opened from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.
The minimum investment limit is Rs.100/- in the scheme with no maximum limit. However, only one account can be opened by person at an office of issue.

What About Withdrawal .

The deposits can be withdrawn any time from the date of deposit. However, there is a limit of three withdrawals within a week's time.

What is the Return.

Profit in this account is credited on 30th June every year and is worked out on the lowest balance of an account between the close of the sixth day and end of the month. The current rate of profit is 6.85% p.a.

Tax & Zakat Status.

At present the profit earned on the accounts, wherein the average balances within a month do not exceed the limit of Rs.150,000/- are exempt from levy of withholding tax.  However, withholding tax @10% is deductible at source on the profits earned on the accounts, wherein the balances exceed the aforesaid limit.  Zakat is also applicable as per rules.

BAHBOOD SAVINGS CERTIFICATES [Profit Rates]

Keeping in view the hardships faced by the widows and senior citizens, this ten years' maturity scheme was launched by the Government on 1st July, 2003.  Initially the scheme was meant for widows only, however, the Govt. later decided to extend the facility for senior citizens aged 60 years and above with effect from 1st January, 2004. These certificates are available in the denominations of Rs.5,000/-, Rs.10,000/-, Rs.50,000/-, Rs.100,000/-, Rs.500,000 and 10,00000/-. Profit is paid on monthly basis reckoned from the date of purchase of the certificates. 

Who Can Invest .

Only Pakistani widows and senior citizens aged 60 years and above are eligible to invest. 

How To Purchase.

These certificates can only be purchased from the National Savings Centre (NSCs) by filling in a prescribed form called SC-1, which is available at the offices of issue free of cost. A copy of the Computerized National Identity Card (CNIC) and necessary evidence regarding eligibility is required to be attached with the application form. To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.
The certificates can be purchased by depositing cash at the issuing office or by presenting a cheque. The certificates shall immediately be issued on receipt of cash. However, in case of deposit through cheque the certificates shall have the effect from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.
The minimum investment limit in this scheme is Rs.5,000/-, whereas, the maximum limit is Rs.3,000,000/-. Investment in allowed in multiple of Rs.5,000/-.

What About Redemption.

The certificates can be encashed any time after issuance subject to deduction of service charges at the following rates:

if encashed before completion of one year from the date of purchase.	@ 1.00%   of the face value
if encashed after one year but before completion of 02 years from the date of purchase.	@ 0.75%   of the face value
if encashed after two years but before completion of 03 years from the date of purchase.	@ 0.50%   of the face value
if encashed after three years but before completion of 04 years from the date of purchase.	@ 0.25%   of the face value
if encashed after completion of 04 years	No service charges

Further, certificates purchased on or after 15-11-2010 can not be automatically reinvested. However, other better options are available for investment in National Savings Schemes.

              

What is the return..

At the prevailing rates monthly profit of Rs.1080/- is paid on investment of each Rs.100,000/-. This way the profit rate works to 12.96% p.a. Automatic reinvestment of profit facility to earn further profit is not admissible in this scheme at the scheme's rate.

Tax & Zakat Status.

The withholding tax is not collected on the profit earned on these certificates. The investment made in this scheme is also exempt from Zakat.

REGULAR INCOME CERTIFICATES [Profit Rates]

Keeping in view the monthly requirements of the general public, this five years' maturity scheme was launched on 2nd February, 1993. These certificates are available in the denomination of Rs.50,000, Rs.100,000, Rs.500,000, Rs.1,000,000, Rs.5,000,000 & Rs.10,000,000/=. Profit is paid on monthly basis reckoned from the date of issue of certificates.

Who Can Invest .

These certificates can be purchased by a single adult, a minor or two adults in their joint names with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult can also purchase these certificates on behalf of a single minor, two minors jointly or himself/herself and a minor jointly.Institutions may also invest individual funds such as pension, gratuity, superannuation, contributory provident funds and trusts etc.

How To Purchase.

These certificates can be purchased from any National Savings Centre (NSCs) or from Pakistan Post Office (PPO) by filling in a prescribed form called SC-1, which is available at all the above offices of issue free of cost. A copy of the Computerized National Identity Card (CNIC) or in case of a foreign national, a copy of the Passport may be attached with the application form (SC-I). To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.
These certificates can be purchased by depositing cash at the issuing office or by presenting a cheque. The certificates shall immediately be issued on receipt of cash. However, in case of deposit through cheque the certificates shall be issued from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.
The minimum investment limit is Rs.50,000/-, however, there is no maximum limit of investment in this scheme.

What About Redemption.

These certificates are encashable any time subject to deduction of service charges at the following rates:

if encashed before completion of one year from the date of issue.	@ 2.00%  of the face value
if encashed after one year but before completion of 02 years from the date of issue.	@ 1.50%   of the face value
if encashed after two years but before completion of 03 years from the date of issue.	@ 1.00%   of the face value
if encashed after three years but before completion of 04 years from the date of issue.	@ 0.50%   of the face value

Further, certificates purchased on or after 15-11-2010 can not be automatically reinvested. However, other better options are available for investment in National Savings Schemes.

What is the return.

At the prevailing rates monthly profit of Rs.880/- (excluding withholding tax) is paid on investment of each Rs.100,000/-. This way the profit rate works to 10.56% p.a. However, the facility of automatic reinvestment of profit to earn further profit is not available in this scheme. 

Tax & Zakat Status.

The profit earned on these certificates is subject of deduction of 10% withholding tax at source.  However, the investment made in this scheme is exempt from collection of Zakat.

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SPECIAL SAVINGS CERTIFICATES (REGISTERED) [Profit Rates]

Keeping in view the periodic needs of depositors, this three years' maturity scheme was introduced in February, 1990. These certificates are available in the denomination of Rs.500, Rs.1000, Rs.5,000, Rs.10,000, Rs.50,000, Rs.100,000, Rs.500,000 and Rs.1,000,000/=. Profit is paid on the completion of each period of six months.

Who Can Invest .

These certificates can be purchased by a single adult, a minor, two adults in their joint names with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult can also purchase these certificates on behalf of a single minor, two minors jointly or himself/herself and a minor jointly. Institutions may also invest individual funds such as pension, gratuity, superannuation, contributory provident funds and trusts etc.

How To Purchase.

These certificates can be purchased from any National Savings Centre (NSC), Pakistan Post Office (PPO), Authorized branches of Scheduled Banks branches  and the offices of State Bank of Pakistan (SBP) by filling in a prescribed form called SC-1, which is available at all the above offices of issue free of cost.  A copy of the Computerized National Identity Card (CNIC) or in case of a foreign national, a copy of the Passport is required to be attached with the application form. To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.
These certificates can be purchased by depositing cash at the issuing office or by presenting a cheque. The certificates shall immediately be issued on receipt of cash. However, in case of deposit through cheque the certificates shall be issued from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.
The minimum investment limit is Rs.500/-, however, there is no maximum limit of investment in the scheme.

What About Redemption.

These certificates are encashable at par any time after the date of purchase. However, no profit is payable if the encashment is made before completion of six months.

Further, certificates purchased on or after 15-11-2010 can not be automatically reinvested. However, other better options are available for investment in National Savings Schemes.

What Will I Get As Profit.

At prevailing rates, the profit is paid @ 9.90% p.a. for 1st five profits and @ 10.50% p.a. for the last profit. However, if the profit is not withdrawn on due date it will automatically stand reinvested and would be calculated for further profit on completion of the next 06 months' period.

Tax & Zakat Status.

At present, the profit earned is exempt from withholding tax, if the total investment in the scheme by the investor(s) does not exceed Rs.150,000/-.  However, withholding tax @ 10% is deductible at source on the profit(s) earned if the total investment exceeds Rs.150,000/- by the investor(s). Zakat is collected at source as per rules.

DEFENCE SAVINGS CERTIFICATE [Profit Rates]

he Government of Pakistan introduced Defence Savings Certificate scheme in the year 1966. The scheme has specifically been designed to meet the future requirements of the depositors. This is 10 years' maturity scheme with built in feature of automatic reinvestment after the maturity. These certificates are available in the denominations of  Rs.500, Rs.1000, Rs.5,000, Rs.10,000, Rs.50,000, Rs.100,000, Rs.500,000 and Rs.1,000,000/=.

Who Can Invest .

These certificates can be purchased by a single adult, a minor, two adults in their joint names with the options of payable to the holders jointly (Joint-A ) or payable to either (Joint-B). An adult can also purchase these certificates on behalf of a single minor, two minors jointly or himself/herself and a minor jointly.Institutions may also invest individual funds such as pension, gratuity, superannuation, contributory provident funds and trusts etc.

How To Purchase.

These certificates can be purchased from any National Savings Centre (NSC), Pakistan Post Offices (PPO), Authorized branches of Scheduled Banks and State Bank of Pakistan (SBP) by filling in a prescribed form called SC-1, which is available at all the above offices of issue free of cost.    A copy of the Computerized National Identity Card (CNIC) or in case of a foreign national, a copy of the Passport is required to be attached with the application form. To download application form in editable Adobe Acrobat format, please click here.

Mode of Deposit.These certificates can be purchased by depositing cash at the issuing office or by presenting a cheque. The certificates shall immediately be issued on receipt of cash. However, in case of deposit through cheque the certificates shall be issued from the date of realization of the cheque after receipt of the clearance advice.

What Is The Investment Limit.The minimum investment limit is Rs.500/-, however, there is no maximum limit of investment in this scheme.
What About Redemption.

These certificates are encashable at par any time after the date of purchase. However, no profit is payable if encashment is made before completion of one year.

Further, certificates purchased on or after 15-11-2010 can not be automatically reinvested. However, other better options are available for investment in National Savings Schemes.

What is the return.

In this scheme the profit is paid on maturity or encashment for completed years. Every Rs.100,000/- will become Rs.106,000/-, Rs.113,000/-, Rs.121,000/-, Rs.131,000/-, Rs.144,000/-, Rs.161,000/-, Rs.182,000/-, Rs.208,000/-, Rs.242,000/- and Rs.285,000/- on completion of 1, 2, 3, 4, 5, 6, 7, 8, 9 and 10 years, respectively. These rates are effective from 12th October, 2012. The average compound rate of return on maturity presently works to 11.04% p.a. For any other time period rates table is also available on website.
 

Tax & Zakat Status.

At present, the profit earned is exempt from withholding tax, if the total investment in the scheme by the investor(s) does not exceed Rs.150,000/-.  However, withholding tax @ 10% is deductible at source on the profit(s) earned if the total investment exceeds Rs.150,000/- by the investor(s). The Zakat is collected at source as per rules.

Prize Bonds Pakistan

Prize Bonds Pakistan

Prize Bond Draw # 52 For Rs 1500 announced On Thursday, November 15, 2012 In karachi City Search For Prize Winning Numbers! Prize Bond Of:    Rs. 200/-  Rs. 750/-  Rs. 1,500/-  Rs. 7,500/-  Rs. 15,000/-  Rs. 25,000/-  Rs. 40,000/-  From To     Select Draw      All DrawsDraw#51 [17/09/2012]Draw#50 [15/06/2012]Draw#49 [15/03/2012]Draw#48 [15/12/2011]Draw#47 [15/09/2011]Draw#46 [15/06/2011]Draw#45 [15/03/2011]Draw#44 [15/12/2010]Draw#43 [15/09/2010]Draw#42 [15/06/2010]Draw#41 [15/03/2010]Draw#40 [15/12/2009]Draw#39 [15/09/2009]Draw#38 [15/06/2009]Draw#37 [17/03/2009]Draw#36 [15/12/2008]Draw#35 [15/09/2008]Draw#34 [16/06/2008]Draw#33 [15/03/2008]Draw#32 [15/12/2007]Draw#31 [15/09/2007]Draw#30 [15/06/2007]Draw#29 [15/03/2007]Draw#28 [15/12/2006]Draw#27 [15/09/2006]Draw#26 [15/06/2006]Draw#25 [15/03/2006]Draw#24 [15/12/2005]Draw#23 [15/09/2005]Draw#22 [15/06/2005]Draw#21 [15/03/2005]Draw#20 [15/12/2004]Draw#19 [15/09/2004]Draw#18 [15/06/2004]Draw#17 [15/03/2004]Draw#16 [15/12/2003]Draw#15 [15/09/2003]Draw#14 [16/06/2003]Draw#13 [15/03/2003]Draw#12 [16/12/2002]Draw#11 [16/09/2002]Draw#10 [15/06/2002]Draw#9 [15/03/2002]Draw#8 [15/12/2001]Draw#7 [15/09/2001]Draw#6 [15/06/2001]Draw#5 [15/03/2001]Draw#4 [15/12/2000]

Prize bonds Pakistan - Find prize bonds draw results online. National Prize Bonds are bearer type of security available in the denominations of Rs.200, Rs.750, Rs.1,500, Rs.7,500, Rs.15,000 and Rs.40,000. No fixed return is paid but prize draws are held on quarterly basis. Prize Bond’s Scheme are one the most popular scheme in Pakistan because is the only lawful source for poor and middle class people to become rich. Hamariweb.com Finance provide complete list of saving prize bonds draws, prize bonds schedule and prize bond winners lists.

About Prize bond Scheme Offer by Government of Pakistan:

About Prize bond Scheme Offer by Government of Pakistan:

Prize Bonds is gold investment and are bearer type of security available in the denominations of Rs.200, Rs.750, Rs.1,500, Rs.7,500, Rs.15,000,Rs.25000 and Rs.40,000. These bonds are issued in series. Each series consist of one less than 1,000,000 bonds. No fixed return is paid but prize draws are held on quarterly basis. The draws are held under common draw method and the number of prizes are same for each series. It means that if 50 series of Rs.200 Prize Bond are in circulation. Then on each draw we have 50 winners of 1st prize and 150 winners of 2nd Prize and so on. Prize Bond’s Scheme is the only lawful source for poor and middle class people investment opportunities to become rich overnight and making their dreams come true Prize bond offers investment options and it is far better then forex investment but this scheme has been ignored awfully, Recently, profit rates on five saving schemes namely Defense Saving Schemes – DSS, Regular Income Certificates – RIC, Behbood Saving Certificates – BSC, Savings Accounts – SA and Special Saving Certificates – SSC have been increased by 8 to 50 basis points but Prize Bond Scheme was not given consideration at all. Tragically, the increase of profit rates on these mentioned schemes will not lessen dues burden of Rs. 150 billion or more on account of Defense Saving Certificates maturing in the near future. Prize Bonds’ Scheme is the only rescuer in this regard, provided and they are like baby formula.The following suggestions are duly implemented. Here is some detail of prizes for you The new increased and revised prizes on each prize bond are described below:

Denomination (Rs)	First Prize		2nd Prize		3rd Prize
	No.	Amount (Rs)	No.	Amount (Rs)	No.	Amount (Rs)
100/-	01	700,000	03	200,000	1,199	1,000
200/-	01	750,000	05	250,000	2,394	1,250
750/-	01	1,500,000	03	500,000	1,696	9,300
1,500/-	01	3,000,000	03	1,000,000	1,696	18,500
7,500/-	01	15,000,000	03	5,000,000	1,696	93,000
15,000/-	01	30,000,000	03	10,000,000	1,696	185,000
25,000/-	01	50,000,000	03	15,000,000	1,696	312,000
40,000/-	01	75,000,000	03	25,000,000	1,696	500,000