Pakistan's Financial Calendar

Prize Bond Draw Weeksپرائز بانڈ قرعہ اندازی کے ہفتے

Every prize bond denomination is drawn quarterly — premium bonds around the 10th, bearer bonds around the 15th — on a staggered calendar, so most months have a draw and a fresh winning-number list.

Next draw: Rs 750 — 15 Oct 2026(scheduled)

1. Find this month's draw date for your denomination on the official CDNS schedule.
2. Paste your bond numbers into the Prize Bond Checker — it checks the latest list privately, in your browser.
3. Won? Claim via SBP BSC / National Savings with the bond, CNIC, and claim form — within six years.
4. Be honest about the odds: compare the expected value of bonds vs Behbood or other certificates before buying more.

Wedding Seasonشادیوں کا موسم

Pakistan's wedding season runs through the cool months — and with it the committees (BCs), gold buying, and shaadi budgets that dominate household finances from November to February.

1. Price the real wedding budget — venue, gold, and everything else — as one target number.
2. Run your committee position through the Committee (BC) Planner to see if your slot wins or loses vs investing.
3. Turn the target into a monthly plan with the Goal Planner (it inflation-adjusts the shaadi fund).
4. If the wedding is a year or more out, automate the saving with a SIP instead of cash under the mattress.

National Savings Rate Revisionsقومی بچت کی شرحِ منافع پر نظرثانی

CDNS re-prices Behbood, Defence, Regular Income, and other certificates after SBP Monetary Policy Committee decisions move PIB yields — big repricings cluster after the January policy round.

1. Check the current CDNS rate sheet on the live Savings Rates page after any MPC announcement.
2. Compare the quoted rate against inflation with the real-returns tool — a high nominal rate can still lose to CPI.
3. If rates are about to fall, consider locking longer-tenor certificates before the revision date.
4. Re-check laddering: maturing certificates reinvest at the NEW rate, not the one you bought at.

Ramadan & Zakat Seasonرمضان اور زکوٰۃ کا موسم

Most Pakistanis settle their zakat in Ramadan, and banks deduct zakat from eligible savings accounts on the 1st of Ramadan unless a declaration is on file.

1. List everything zakatable: cash, bank balances, gold, stocks, mutual funds, and committee payouts due to you.
2. Run the Zakat Calculator to get the 2.5% obligation right across all asset classes.
3. If you hold mixed-income investments, use the Purification Calculator for the non-compliant portion.
4. Decide bank deduction vs self-payment — file the exemption declaration before 1 Ramadan if you pay yourself.

Federal Budget Seasonوفاقی بجٹ کا موسم

The federal budget lands in early June and takes effect 1 July — salary tax slabs, capital gains tax rates, and withholding rules can all change overnight.

1. Follow the budget speech for changes to salary slabs, CGT on stocks/property, and filer/non-filer withholding.
2. Re-run your take-home pay on the Salary Tax Calculator once new slabs are announced.
3. If you're planning to sell stocks, funds, or property, compare CGT under old vs new rules — timing the sale across 30 June can matter.
4. Update any salary negotiation or budgeting plans with the post-budget net figures.

Tax Filing Seasonٹیکس فائلنگ کا موسم

The tax year ends 30 June and FBR opens IRIS for returns in July. Individuals and AOPs must file by 30 September to stay on the Active Taxpayer List.

1. Collect your salary certificate, bank withholding statements, and investment account summaries.
2. Estimate your liability with the Tax Calculator so nothing on the return surprises you.
3. File your return and wealth statement on FBR's IRIS portal (iris.fbr.gov.pk).
4. Confirm you appear on the Active Taxpayer List with the ATL Checker.
5. See exactly what filer status saves you with the Filer vs Non-Filer comparison.