Premium Prize Bond Profit Calculator
Estimate your six-monthly return on Rs. 25,000 & Rs. 40,000 Premium Bonds.
Premium Prize Bond Profit Calculator — How It Works
Unlike the National prize bonds, the Rs. 25,000 and Rs. 40,000 Premium Prize Bonds issued by The State Bank of Pakistan pay a guaranteed six-monthly profit in addition to any lottery-style prize you might win in the quarterly draws. This profit is credited to your bank account automatically every six months from the date of purchase, regardless of whether your bond number is drawn as a winner.
This calculator lets you estimate that profit instantly. Enter the number of Rs. 25,000 and/or Rs. 40,000 bonds you hold (or simply enter the total face value of your holding), pick your purchase date, and select your filer status. The tool then calculates your profit before tax, the tax withheld, your net profit after tax, and the exact dates your first and second profit payments fall due.
Current Profit Rate & Tax Treatment
| Item | Rate | Notes |
|---|---|---|
| Profit Rate | 2.71% per 6 months | Applies to total face value of Premium Bonds held |
| Tax — Filer | 15% | Deducted at source from profit |
| Tax — Non-Filer | 30% | Deducted at source from profit |
Profit rates on National Savings instruments are periodically revised by the government in line with State Bank policy rates, so always cross-check the latest announced rate before making investment decisions — this calculator uses the most recently published rate at the time of writing.
Premium Bond Profit Calculator
Six-monthly profit after withholding tax — filers & non-filers
How to Read Your Results
Profit Before Tax is your total six-monthly return calculated at 2.71% of your total Premium Bond face value. Tax Deducted is the withholding tax taken at source — 15% if you're a filer, or 30% if you're a non-filer. Net Profit After Tax is the actual amount credited to your bank account. The Next Due Date, 1st Profit Due, and 2nd Profit Due fields show when your upcoming profit payments are scheduled, based on your purchase date — profits are paid every six months for as long as you continue to hold the bonds.
Supported Bond Types
- Rs. 25,000 Premium Prize Bond — six-monthly profit plus quarterly draw eligibility.
- Rs. 40,000 Premium Prize Bond — same profit structure, higher face value.
Need to check if either of these bonds has also won a cash prize in the draw? Use our Prize Bond Tax Calculator to work out your after-tax winnings, or run a full search with Prize Bond Check Online.
Frequently Asked Questions
Do I receive profit even if my Premium Bond doesn't win a prize?
Yes. The six-monthly profit on Rs. 25,000 and Rs. 40,000 Premium Prize Bonds is paid automatically regardless of the quarterly draw result — it's a guaranteed return, separate from any lottery-style prize.
How is the profit paid out?
Profit is credited directly to the bondholder's registered bank account on the due date, automatically by The State Bank of Pakistan, after withholding tax has been deducted.
Can the profit rate change?
Yes. National Savings periodically revises profit rates on Premium Prize Bonds in line with prevailing market interest rates. Always verify the current rate before relying on long-term projections.
Is tax deducted from the profit the same as the prize bond winning tax?
Both are withholding taxes, but the rates differ slightly — profit on Premium Bonds is taxed at 15% (filer) / 30% (non-filer), while prize winnings across all bond types are taxed at 15% (filer) / 30% (non-filer).