Prize bonds are a popular form of investment in Pakistan, offering the allure of earning substantial returns through periodic lucky draws. Managed by the National Savings of Pakistan, these bonds are available in various denominations, catering to different segments of investors. Here’s a comprehensive guide on how to buy prize bonds in Pakistan.

Understanding Prize Bonds

What Are Prize Bonds? Prize bonds are government-issued securities similar to lottery tickets. Instead of earning interest, holders have the chance to win cash prizes through regular draws. These bonds can be bought back by banks at face value, making them a safe investment.

Denominations and Types Prize bonds are available in denominations of PKR 100, 200, 750, 1,500, 7,500, 15,000, 25,000, and 40,000 Premium. Each denomination has its own draw schedule and prize structure.

Purchasing Process

Where to Buy

  1. National Savings Centers: Operated by the government, these centers are the primary venues for purchasing prize bonds.
  2. Authorized Banks: Several commercial banks are authorized to sell prize bonds, including major ones like HBL, UBL, MCB, and Allied Bank.
  3. Online Platforms: Recent initiatives allow the purchase of digital prize bonds through the websites of National Savings and selected banks.

How to Buy

  1. Visit a Sales Outlet: Choose a National Savings Center or an authorized bank. For digital bonds, visit the official National Savings website or the websites of authorized banks.
  2. Provide Necessary Documentation: Present your CNIC (Computerized National Identity Card) and fill out the required form. For online purchases, digital verification processes are in place.
  3. Payment: Pay the amount for the denomination(s) you wish to purchase. Payment can be made in cash at physical locations or through bank transfers and digital wallets online.
  4. Receive Your Bond: For physical purchases, you’ll receive the bond certificate on the spot. For digital bonds, they will be credited to your e-account.

After Purchase

Safekeeping and Management

  • Physical Bonds: Store them in a secure location and maintain a record of their numbers.
  • Digital Bonds: They are managed through your account on the National Savings or bank’s website, eliminating the risk of loss or theft.

Participating in Draws

  • Draws are held regularly, with schedules available on the National Savings website. Ensure your bonds are eligible for upcoming draws.

Cashing In

  • Prize bonds can be cashed at any time without any loss to their value (excluding any prizes won).
  • Winning bonds can be redeemed at National Savings Centers, State Bank of Pakistan offices, and authorized banks.


Buying prize bonds in Pakistan is a straightforward process, offering a unique combination of security and the excitement of potentially winning large cash prizes. Whether you opt for the traditional method of purchasing physical bonds or go for the convenience of digital bonds, ensure you keep them safe and regularly check draw results. Prize bonds not only represent a form of investment but also a chance to dream big.

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