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

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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.