Karachi, July 28, 2025 – Investment in premium prize bonds witnessed a significant rise of 7.83% during the fiscal year 2024–25, reflecting increased public interest in secure and transparent savings instruments.
According to data released by the State Bank of Pakistan (SBP), total investment in premium prize bonds surged to Rs65.55 billion, up from Rs60.79 billion recorded at the end of the previous fiscal year.
Breaking down the figures, the investment in premium prize bonds of Rs40,000 denomination rose by 7.76%, reaching Rs39.13 billion compared to Rs36.31 billion in FY24. Similarly, Rs25,000 denomination bonds saw an 8% increase, with investment climbing to Rs26.43 billion, up from Rs24.47 billion in the preceding year.
Market analysts credit this growth to the government’s continued withdrawal of unregistered bearer bonds, which has prompted investors to turn to registered options like premium prize bonds. These instruments provide not only prize-winning opportunities but also steady profit payouts and legal security.
According to the Central Directorate of National Savings (CDNS), premium prize bonds offer multiple investor-friendly features:
• Annual profit rate of 1.86%.
• Registered ownership, enhancing security.
• Quarterly prize draws with top prizes of Rs30 million (Rs25,000 bond) and Rs80 million (Rs40,000 bond).
• Biannual profit distributions directly credited to investors’ bank accounts.
• No limit on investment or holding period.
• Eligibility extended to adult citizens and Overseas Pakistanis.
To invest, individuals must submit a copy of their CNIC, account maintenance certificate (with IBAN), a tax certificate (if a filer), and nominee details.
The continued growth in premium prize bonds indicates rising trust in formal financial instruments, with experts predicting further expansion as investors seek safe and profitable investment options in Pakistan’s evolving economic landscape.