A Brief History
The Prize Bond scheme was introduced in Pakistan (and originally pre-partition India) as a way for the government to borrow money from the public while offering a chance of winning large prizes in return. For decades, it has served as a cornerstone of middle-class savings, providing a unique vehicle where the principal amount remains entirely secure while simultaneously offering lottery-like upside potential.
It is managed by the Central Directorate of National Savings (CDNS) and the State Bank of Pakistan (SBP). This means every single bond is backed by the sovereign guarantee of the Government of Pakistan—rendering it one of the safest financial instruments available in the country today.
100% Secure
Backed by the State Bank. Your principal amount never decreases.
Liquid Asset
Can be cashed out at any bank, anywhere in Pakistan, instantly.
Islamic Status
Considered 'Halal' by many scholars as the principal is safe, though individual opinions vary.
Why Invest?
Unlike volatile stocks, fluctuating real estate, or high-risk crypto assets, your money in prize bonds is never at risk of going to zero. You can buy a Rs. 1,000 bond today, keep it in a secure vault for 10 years, and it will still be redeemable for exactly Rs. 1,000 at any bank.
However, the Opportunity Cost is the interest you would have earned by placing those funds in a traditional savings account. In exchange for giving up that steady (but small) interest yield, you are granted a guaranteed ticket to potentially win tens of millions of rupees in government-sponsored draws. If you are ready to begin, read our Guide on How to Buy Prize Bonds, and then familiarize yourself with the mathematical probability of winning to set realistic expectations.
Pakistan has been running prize bonds since 1960. In over 60 years, not a single winner has ever failed to be paid. That's a track record no private asset can match.