The Rs. 40,000 prize bond is the highest-value premium prize bond available in Pakistan. It is issued by the Government of Pakistan through the Central Directorate of National Savings (CDNS) and the State Bank of Pakistan (SBP).
This bond is specially made for people who want to invest a big amount of money safely and also get a chance to win very large prizes. The Rs. 40,000 premium prize bond is a registered bond, which means it is issued in your name and cannot be used by anyone else.
What is a Premium Prize Bond?
A premium prize bond is different from a normal prize bond. It is registered in the investor’s name and connected to their CNIC (ID card) and bank account.
This type of bond gives you two benefits:
- You can earn profit (like interest) every six months.
- You also get a chance to win prizes through national lucky draws held every three months.
Because it is registered, if you lose your bond, no one else can claim your prize or profit. It’s completely safe.
Main Details about Rs. 40,000 Bond
- The draws are held every three months (four times a year).
- The prize structure for each draw is:
- 1st Prize: Rs. 80,000,000 (1 winner)
- 2nd Prize: Rs. 30,000,000 (3 winners)
- 3rd Prize: Rs. 500,000 (660 winners approx.)
- The draws take place in different cities such as Karachi, Lahore, Peshawar, Multan, and Rawalpindi.
- You can buy this bond from State Bank branches, National Savings Centers, and authorized banks.
Why People Like Rs. 40,000 Premium Bonds
- Very Safe Investment:
Since the bond is registered, it is linked to your name and CNIC. No one can steal or misuse it. - Profit Every Six Months:
You earn a small profit regularly, even if you don’t win the draw. The profit is directly sent to your bank account. - Huge Prize Amounts:
The first and second prizes are in crores (millions), which makes this bond very attractive for big investors. - Government Guaranteed:
This bond is backed by the Government of Pakistan, so your money is secure and protected. - Flexible and Easy:
You can buy or cash it easily through your bank whenever you want.
How to Buy Rs. 40,000 Premium Bond
Buying this bond is simple:
- Go to any State Bank branch, National Savings Center, or authorized commercial bank.
- Fill in the application form and provide your CNIC and bank account details.
- Pay Rs. 40,000 to buy the bond.
- The bond will be registered in your name, and you’ll start receiving profit automatically every six months.
How to Check the Result
After every draw, the list of winning numbers is published on:
- The National Savings official website
- PrizeBond.net, HamariWeb, or UrduPoint
- Local newspapers
Just match your bond number with the official list to see if you have won.
How to Claim Your Prize
If you win, you can claim your prize money from the State Bank of Pakistan.
You’ll need:
- Your original premium bond certificate
- Your CNIC (ID card)
- A filled prize claim form
Make sure to claim your prize within six years from the draw date.
Remember, tax is deducted from the prize — 15% for tax filers and 30% for non-filers.
Important Things to Remember
- You must have a bank account because profit is paid directly into it.
- Keep your registration details and bond documents safe.
- The bond cannot be transferred to another person.
- You can cash your bond any time through your bank if you need money.
- Check the draw schedule regularly to stay updated.
Is Rs. 40,000 Premium Bond a Good Option?
Yes — the Rs. 40,000 bond is great for people who have a larger amount of money to invest and want a secure and rewarding option. It gives you a regular profit and a chance to win millions without any risk of losing your investment.
However, since it costs more, it’s better suited for business people, professionals, and investors who can afford higher savings.
Conclusion
The Rs. 40,000 premium prize bond is one of the safest and most profitable government savings schemes in Pakistan. It combines both investment and luck, giving you regular profit and the chance to win huge prizes.
It’s an ideal option for people who want to grow their savings securely while keeping the excitement of prize draws. With every draw, you have a new chance to turn your investment into a fortune — and even if you don’t win, your money keeps earning profit safely in your name.
