National Savings Organization
National Savings is Government Organization its motive is to inculcate saving habits to Pakistani nation with in country and abroad. It gives opportunity to masses and small money savers to invest in the requirements of Pakistan. As once a wise men said ‘Save for the rainy days’. National Savings saves for the General Public, pensioners, senior citizens, small business men to large business men. It play the role of backbone in country’s economy. It has verity of savings schemes e.g savings certificates, savings accounts and savings prize bonds.
National Savings History:
The history of Organization dates back to the year 1873 when the Government Savings Bank Act, 1873 was promulgated. During the first world war, the British Government introduced several Schemes for collection of funds to meet the expenditure. National Savings Bureau was established in 1943- 44 as an attached department of the Ministry of Finance of the undivided Government of India. In 1953, the Pakistan Savings Control Bureau was re-named as Central Directorate of National Savings. Central Directorate of National Savings has been serving as a strategic backbone savings institution for the state. Although the directorate, under different names and varying roles, has been serving national interest since Pakistan came into being, befitting savings schemes for people from different walks of life and especially those with greater needs has been the mandate of this trusted organization. With 100% sovereign guarantee of the Government of Pakistan, CDNS delivers commitment made, whether its the unmatched profit rate offered or always surpassed financial targets set for its deposit mobilization.
National Savings Branches:
National Savings is an attached department of Finance Ministry. Its main managerial office is Central Directorate of National Savings situated at Islamabad (Address:Â 23-N, Savings House, Markaz G-6, Islamabad).
- Regional Directorates are in twelve main cities of Pakistan namely Peshawar, Islamabad, Lahore, Multan, Sukkar, Karachi, Abbottabad, Gujranwala, Faislabad, Bahawalpur, Hyderabad, Quetta.
- 370+ National Savings Centers spread throughout the country working under the jurisdiction of their respective Regional Directorates.
 National Savings Schemes:
National Savings offers competitive rates in their schemes that are fairly in favor of investors. Schemes are as follows:
i) National Savings Certificates:
- Defence Savings (DSC)
- Special Savings (SSCR)
- Regular Income (RIC)
- Behbood Savings (BSC)
- Short Savings (STSC)
ii) National Savings Accounts:
- Savings Account(SA)
- Special Savings Account (SSA)
- Pensioners Benefit Account (PBA)
iii) National Savings Prize Bonds Denominations:
- Rs.100/-
- Rs.200/-
- Rs.750/-
- Rs.1,500/-
- Rs.7,500/-
- Rs.15,000/-
- Rs.25,000/-
- Rs.40,000/-
National Savings Financial Analysis:
Total investment portfolio of National Savings is Rs.2,596,414.14/- and it is approximately 82% of the whole investment gathered by other financial institutions i.e scheduled banks etc. Keeping in view the aforementioned facts and figures it would be worth saying that National Savings and its Investments are the pillars of Pakistan’s Economy.
Role of National Savings in Pakistan’s Economy:
National Savings takes pride in serving millions of investors nation wide with “Unshakeable Trust” and playing a vital role in the promotion of savings and National Development. It offers safe & easy way to boost economy with upside potential of investment and making a solid addition to the economy of Pakistan. National Savings has always been most trusted and preferred choice of individuals and institutional savings. Therefore National savings is a benchmark of all-out excellence.
Future of National Savings:
Investments is not only dependent upon the rate of return, rather it is equally dependent upon the standard of customer services, method of operations, kind of facilities and efficiency &Â proficiency of organization as well as security of investments. Automation of accounts is also nearing its completion to facilitate the investors. National Savings is continuously improving its basket of savings products.
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Hi Thanks for Sharing Information
Me and my wife both are now over 60 years.
Can we open joint a/c amount of 60,00,000.00
for senior citizen monthly income?
A.o.a Jamshaid Ullah Khan if you both are ex-serving i.e pensioners you can open jointly pension benefit account if you are not then you can go for Behbood Savings Certificates as this scheme is of equal benefits as above mention account.
Regards, Admin of http://www.nationalsavings.pk/
can i cash my prize bond which got 3rd prize in draw in 2011.
A.o.a Muhammad Raza, Yes you can claim your prize money up till six years from the date of prize bond draw held on. So yes you can claim your prize.
Regards, Admin of http://www.nationalsavings.pk/
can i cash my prize bond which got 3rd prize in 2010 and 2011?
A.o.a Ali time limit to claim your prize of any denomination is six years and time starts from the respective draw date in which you prize bond bond won the prize. Second thing is that you prize bond must be issue from state bank at least two months before that respective draw date. To ensure check your prize bond here if they show up in results then still there is time. http://www.nationalsavings.pk/prize-bond-result/
Regards, Admin of http://www.nationalsavings.pk/
Hi i need information regarding special saving account( specialy for children future)
A.o.a Naveed Siraj currently I am working on this part of site and collecting the authentic information sooner you will have all the required information but quality work needs time. I have note down your email as soon as I publish your required information I will mail you. Stay with us and your patience will highly appreciated.
Regards, Admin of http://www.nationalsavings.pk/
draw k baad Prize Bonds ki sale kitny din baad sale hoti ha… means kitny din thek rahati hain baad Prize Bonds
aur koie website ayse ha jo is k bary information dy
Regard
Qaiser
A.o.a Qaiser sorry to reply your comment late as I’m a bit busy these days. Now the answer to your question is prize bond ka open sale period us k draw k foran bad start ho jata hai jo k 2 months tak rahta hai. Inshallah with in a couple of week main pora schedule bana k update kr don ga aur ap ko email be kr don ga.
Regards Admin of http://www.nationalsavings.pk/
A.O.A…somebody plz help me.I have prize bond of 750.The date of buying is 19 oct 1999 karachi.how I get info the bond has been announced or not.
A.o.a Syed Abdulrehman Bukhari sorry to reply your comment late as I’m a bit busy these days. Now the answer to your question is kindly visit the http://www.nationalsavings.pk/prize-bond-result/ and check your Rs.750/- prize bond numbers if they won the prize they will show up in the result otherwise you can wait and watch the next upcoming draws or you can exchange from any branch of National Savings or State Bank of Pakistan.
Regards Admin of http://www.nationalsavings.pk/
Salam bro.where to cash my bond prize.i have one national saving bank nearby me .will i get prize frm there.
A.o.a Sattar, The 3rd prize on Rs. 100/- and Rs. 200/- can be claimed through any National Savings Branch and State Bank of Pakistan. The higher prizes on the higher denomination prize bonds are claimed from the State Bank of Pakistan. You can get free form there no need to download or print just ask them to give you the prize bond claim form.
For further information visit: http://www.nationalsavings.pk/prize-bond-result/ read heading Prize Bond Prize Claim Method.
Regards, Admin of National Savings
Greetings,
Do you have any scheme for overseas Pakistanis?
Best Regards
A.o.a Farhan Rizvi you can invest in any scheme other than Pensioners’ Benefit Account and Behbood Savings Certificates.
Regards, Admin of http://www.nationalsavings.pk/
Please guide me how i can change my next of kin in my existing account in national saving
A.o.a Saqib, provision is available in rules. You have to submit application with the required photocopies (CNIC and proof of account) to the Officer In charge of concerned Branch.
Salam dear,
I want to know that as it is mentioned in the information regarding BSC & PBA there is limit of investment i.e. 3 million only. Is it only for one branch or for investment in all branches? Please, clarify me about its investment.
Regards,
Naveed
A.o.a Naveed, One person can invest the prescribed amount once in any branch.
Regards, Admin of http://www.nationalsavings.pk/
AOA,I would like to know my father had behbood saving certificate. He past away three years ago and he put my name as a beneficiary. Please guide me how i draw these certificate amount and also inform me can i get three years profit.
W/S Syed Raza, if you are the only nominee then you can withdraw only the principle investment by submitting request application containing your three specimen signatures along with the copy of CNIC, copy of certificates, Death Certificate of deceased, CNIC of the deceased person all these documents must be attested by gazetted officer.
Regards Admin of http://www.nationalsavings.pk/
Well I have one 15000 prize bond whose issue date is 2012 but that number has won a prize of 185000 in 2010 draw. Can I claim the prize money now?
A.o.a Yasmeen, no you can not claim according to the rule the prize bond must be purchase/issued before two months of the upcoming draw. For further information visit: http://www.nationalsavings.pk/prize-bond/
Regards, Admin of http://www.nationalsavings.pk/
A.S.O.A
Bhi Jan one time prize lag jaiy to usi bond PR again chance hota hy prize lagny ka
W/S Asif, yes you can claim the prize second time if it has won again in fact a same prize bond can be claimed six times keep in mind I’m not talking about the number I’m talking about the prize bond itself. Another thing to keep in mind is that State Bank of Pakistan don’t return prize bonds after claim which are higher than Rs.750.
Sir I have invested money (BSC) in one of my area branch, if in case of fire or any other terrerist attack to the area branch (may Allah save the center from such situation) can I cash the certificate and take profit from any other branch of national savings
A.o.a Tahir Ali, Its a Government security and as long as Pakistan is alive and may Allah keep it always your investment will remain intact and safe you just keep your certificates safe. If some mishap occurs to any branch Government will be responsible for the issued securities(all Certificates and Accounts). You will be informed of the substitute.
Regards, Admin of http://www.nationalsavings.pk/
AOA hope you are fine. please tell me how much possibility of winning prize in prizebond scheme as someone ask me that now it is too much difficult to win prize in this scheme as some people work on prizebond guess paper….
please also tell me how these guess paper works ?
thanks and really appreciate your working on this site.
Best of Luck
A.o.a Imran Khan, I’m good by the grace of Allah, thank you. Most of the prize bonds have 1700 prize from one less 10 million prize bonds and it totally depends upon luck there no such thing like guess papers works. Its only the fake business to fraud the innocents if you live near any State Bank go to see the draw process when it is due there.
Regards, Admin of http://www.nationalsavings.pk/
As any way to check some 1 saving in nsp saving bank if he died. Without any documents. Iz your system is online coz 1 of our family member have saving account he pass away so we want to know the process thanks regards
A.o.a Ahmed, No we don’t have any online system. More over you have to provide some proof of investment to the concerned Branch to find out the details of the investment and the nominee.
Regards, Admin of http://www.nationalsavings.pk/
I need information regarding (Defence Savings (DSC)
A.o.a Iffishaikh can you please elaborate what sort of information do you required?
Regards, Admin of http://www.nationalsavings.pk/
Dear Zain,
Please send me online link for claim of prize bond.
Thanks
A.o.a Murtaza sorry there is no such facility to claim online you have to visit your nearest State Bank of Pakistan with you original Prize Bond its photocopy and your CNIC photocopy.
Regards, Admin of http://www.nationalsavings.pk/
Hi, kindly can you let me know that if I have a prize bond that has been issued from karachi bank, so can I claim its reward from state bank of MULTAN.
Yes you can.
Plz tell me the address of Karachi regional head office of national saving.
Wich held 40000 prise bond draw on 1.3.2017
A.o.a Javaid Malik, Rs.40000 prize bond draw was held by Rawalpindi State Bank of Pakistan on 3 January,2017 and it’s for all regions of Pakistan.