How to Claim Prize Bond in Pakistan (2026 Guide)
If your prize bond wins in Pakistan, you need to verify the result and follow the official claim process to receive your prize money.
For ordinary prize bonds, you generally need the original winning bond, a valid CNIC copy, a completed claim form, and a signed photocopy of the bond.
Premium Prize Bonds have a different process because prize money is credited to the investor’s registered bank account, subject to the applicable rules.
Steps to Claim Prize Bond Winnings
1. Check Your Prize Bond Result
Visit the official National Savings website and check your bond number against the correct denomination and draw date.
Make sure every digit matches the winning number.
2. Prepare the Required Documents
For an ordinary prize bond claim, you generally need:
- Original winning prize bond
- Copy of your valid CNIC
- Completed official prize claim form
- Photocopy of the winning bond, signed on the back
Keep copies of your documents for your records.
3. Download the Prize Claim Form
Get the prescribed claim form from the official National Savings website. The form is available without a charge.
Fill in your personal details, bond number, denomination, draw information, and other required information carefully.
4. Submit Your Claim
Submit your documents through the authorized claim office for your prize amount.
Claim locations and payment thresholds may change, so confirm the correct office with National Savings or the State Bank of Pakistan (SBP) before travelling.
Claims generally become available after several working days following the draw.
5. Receive Your Prize Money After Tax
Prize bond winnings are subject to withholding tax. The amount you receive depends on the applicable tax rate and your taxpayer status.
Using the rates stated by National Savings for September 2026:
- ATL / Filer: 15% tax
- Non-ATL / Non-Filer: 30% tax
For example, if you win Rs. 500,000:
- At 15% tax, you receive approximately Rs. 425,000.
- At 30% tax, you receive approximately Rs. 350,000.
Always verify the current tax rate before claiming your prize.
What Is the Prize Bond Claim Deadline?
According to the current National Savings guidance, prize money must generally be claimed within six years from the relevant draw date.
Do not delay claiming your winnings. If you discover an old winning bond, check the draw date and confirm whether the claim period is still open.
How to Claim Premium Prize Bond Winnings
Premium Prize Bonds are registered in the investor’s name and linked to a bank account.
According to National Savings, prize money for Rs. 25,000 and Rs. 40,000 Premium Prize Bonds is credited directly to the investor’s registered bank account without a separate prize claim form.
Keep your registration and banking information up to date, and contact the relevant institution if a payment is delayed.
Important Tips for Prize Bond Winners
- Check your result through an official source.
- Match the complete bond number and denomination.
- Keep your original winning bond safe.
- Confirm the correct claim office before visiting.
- Keep your claim receipt and supporting documents.
- Never share your banking PIN, password, or OTP with anyone claiming to process your prize.
- Avoid paying unofficial agents to claim your winnings.
Frequently Asked Questions
What documents are required to claim a prize bond?
You generally need the original winning bond, a valid CNIC copy, the official claim form, and a photocopy of the bond signed on the back.
Can I claim prize bond winnings online?
You can check results and obtain forms online, but ordinary prize bond claims generally require submission through an authorized channel. Follow the latest official instructions.
How long do I have to claim prize money?
The current stated claim period is generally six years from the draw date.
Is tax deducted from prize bond winnings?
Yes. Under the rates stated for September 2026, the withholding tax is 15% for ATL taxpayers and 30% for people not appearing on the ATL.
Do Premium Prize Bonds require a claim form?
National Savings states that Premium Prize Bond prize money is credited directly to the registered bank account without a separate prize claim form.
Conclusion
Claiming prize bond winnings in Pakistan involves checking the official result, preparing the required documents, and submitting your claim through the correct authorized channel.
Keep your original bond safe, check the deadline, and remember that withholding tax reduces the amount you receive. For Premium Prize Bonds, prize money is generally credited directly to your registered bank account.
For the latest claim requirements, visit the official National Savings website or contact the State Bank of Pakistan.
Disclaimer: Prize bond procedures, claim deadlines, payment thresholds, and tax rates may change. Verify current requirements with National Savings or SBP before submitting your claim.