Quick answer
How do I check my prize bond numbers?
Paste your bond numbers and the draw's winning list into the checker below — matching happens entirely in your browser, nothing is uploaded. Each denomination is drawn four times a year, and CDNS publishes the official lists at savings.gov.pk after every draw. Prizes lapse if unclaimed for six years, so check old bonds too.
Pick your denomination and draw, paste your bond numbers and the official winning list — get an instant verdict instead of squinting at a PDF. Plus the honest math on what prize bonds really pay.
Winning numbers from the official list
Each winning number pays in every series in circulation. Draws are held quarterly on the 15th (next working day if it's a holiday). The most widely held denomination.
Prize bonds return your face value whenever you encash — the "return" is purely the chance of prizes. Spread across all bonds, a Rs 750 bond's expected winnings are ≈ Rs 75/year (≈10.0% before tax, ~8.5% after 15% filer withholding) — versus 13.2% guaranteed on Behbood certificates (for eligible savers) and double-digit rates on other National Savings schemes. Most bond holders win nothing in a given year; the averages below are carried by a handful of jackpot winners.
| Bond | Expected winnings / yr | Gross % / yr | After 15% WHT | Odds of any prize / yr |
|---|---|---|---|---|
| Rs 100 | Rs 10.0 | 10.0% | 8.5% | 1 in 208 |
| Rs 200 | Rs 20.0 | 10.0% | 8.5% | 1 in 105 |
| Rs 750 | Rs 75.1 | 10.0% | 8.5% | 1 in 147 |
| Rs 1,500 | Rs 150 | 10.0% | 8.5% | 1 in 147 |
| Rs 25,000 Premium+~2.71% coupon | Rs 1280 | 5.1% (≈7.8% incl. coupon) | 4.4% | 1 in 354 |
| Rs 40,000 Premium+~2.71% coupon | Rs 2000 | 5.0% (≈7.7% incl. coupon) | 4.3% | 1 in 377 |
Assumptions: every series holds 1,000,000 numbers and each drawn number wins in every series, so per-bond expected value = prize pool ÷ 1,000,000 × 4 draws/year. All numbers in a series are treated as sold. Premium-bond coupons (~2.71% p.a., floating) are shown gross — they're taxed under separate profit-on-debt rules. Prize withholding is 15% for filers, 30% for non-filers.
Rs 100
Rs 200
Rs 750
Rs 1,500
Rs 25,000 Premium
Rs 40,000 Premium
~ = projected from the official pattern (15th of the month for bearer bonds, 10th for premium; moves to the next working day on holidays). Confirm exact dates on savings.gov.pk before a draw.
Note: bearer bonds of Rs 7,500, Rs 15,000, Rs 25,000 and Rs 40,000 were withdrawn from circulation (2019–2021) and no longer enter draws — they can still be encashed at face value or converted at SBP BSC offices.
Figures are point-in-time estimates for guidance only — verify against official sources before acting.
Official winning-number lists are published by National Savings (savings.gov.pk) and SBP Banking Services Corporation after every draw. Copy the list, paste it into this checker along with your bond numbers, and it matches them instantly — entirely in your browser, so your numbers stay private.
They are a lottery with the capital preserved only in nominal terms: face value never grows, so inflation erodes it every year you hold. Expected prize winnings are modest and taxed at 15% for filers or 30% for non-filers. Premium bonds at least add a floating profit coupon (~2.71% p.a.) on top of draws.
Each denomination is drawn quarterly: Rs 750 around the 15th of January, April, July and October; Rs 100 and Rs 1,500 around the 15th of February, May, August and November; Rs 200 around the 15th of March, June, September and December; and premium Rs 25,000/40,000 bonds on the 10th of March, June, September and December. Dates shift past weekends and holidays.
Six years from the draw date — after that the prize lapses. Note the eligibility rule too: a bond must be held roughly 60 days before a draw to participate in it; newer purchases roll into the following quarter. Claims are processed under SBP Banking Services Corporation rules with the bond and your CNIC.
Bearer bonds of Rs 100, Rs 200, Rs 750 and Rs 1,500, plus registered premium bonds of Rs 25,000 and Rs 40,000 — the premium bonds pay a floating profit and credit prizes straight to your bank account. Bearer bonds of Rs 7,500, 15,000, 25,000 and 40,000 were withdrawn in 2019–21 but remain encashable at face value.