Rs. 40,000 Prize Bond Results 2026 – Draw History, Premium Winners & Schedule

Rs. 40,000 - Pakistan's Highest Prize Bond Denomination

The Rs. 40,000 Prize Bond occupies a category entirely its own in Pakistan's investment landscape. With a top prize of Rs. 80,000,000 (8 crore rupees), it offers the largest cash prize available from any government savings instrument in the country. Winning the 1st prize on a single Rs. 40,000 bond represents a return of 2,000 times the investment - enough to purchase multiple homes in major Pakistani cities, start a business, or fund an entire family's higher education abroad. Even the 3rd prize of Rs. 500,000 is twelve and a half times the bond's face value - a meaningful return that most conventional savings instruments cannot match.

From Bearer to Registered - The Transition of the Rs. 40,000 Bond

Pakistan's Rs. 40,000 prize bond has gone through a significant regulatory evolution. The original regular bearer bond - which operated identically to the Rs. 200 and Rs. 750 bonds but at the Rs. 40,000 denomination - was discontinued by the government following FATF recommendations, as high-value anonymous bearer bonds were identified as tools for holding undeclared wealth. In its place, the government introduced the Rs. 40,000 Premium Prize Bond (registered) - which requires full CNIC registration and bank account linkage. This transition eliminated the anonymity of the old bond while maintaining the prize structure and dramatically increasing the maximum prize amounts.

The Rs. 40,000 Premium Bond Investment Profile

The Rs. 40,000 Premium bond is unambiguously an instrument for serious, high-net-worth investors. Consider the profile of its typical holder:

• Minimum investment: Rs. 40,000 per bond - multiple bonds greatly increase winning odds
• Investment objective: capital preservation with aggressive prize upside
• Risk profile: zero capital risk (face value refundable at any time), unlimited prize upside
• Transparency: fully registered, CNIC-linked, bank account verified
• Tax efficiency: 15% tax for FBR filers - active filers retain Rs. 68,000,000 of the 1st prize
• Bonus income: bi-annual profit payments in addition to quarterly prize draws

Bi-Annual Profit and the Long-Term Investment Case

Like the Rs. 25,000 Premium bond, the Rs. 40,000 Premium bond pays bi-annual profit on the face value - turning it into a hybrid between a prize bond and a savings certificate. For an investor holding 10 bonds (Rs. 400,000 total invested), the bi-annual profit provides a predictable cash flow independent of prize luck. Combined with four quarterly prize opportunities per year and the chance of winning the country's largest single lottery prize, the Rs. 40,000 Premium bond makes a compelling case as a central holding in any high-net-worth Pakistani investor's portfolio.

Comparing Rs. 25,000 and Rs. 40,000 Premium Bonds

Claiming Rs. 40,000 Premium Bond Prizes

Because the Rs. 40,000 Premium bond is registered, prize money is automatically credited to your linked bank account after the draw result is processed. No physical visit is required for prize claiming. You will receive an SMS notification when the amount is credited. For verification or disputes, contact your bank or the nearest SBP BSC office. Tax is deducted at source before credit: 15% for FBR filers, 25% for non-filers. All claims are processed within a few working days of the draw.