Aap ka bond nikal aaya? Mubarak ho. Yahan poora tareeqa diya gaya hai — kahan jana hai, kya lekar jana hai, aur kitna tax katega.
1. Pehle official list se tasdeeq karein
Hamari website par result check karne ke baad, National Savings ki official list se dobara milaan karein. Ye kisi bhi National Savings Centre ya State Bank of Pakistan (SBP-BSC) field office par mojood hoti hai.
2. Bond ki issue date check karein
Har prize bond par issue ki tareekh mohar shuda hoti hai. Aap wohi inaam claim kar sakte hain jo aap ke bond ki issue date ke baad ke draw me nikla ho. Ye sab se aam wajah hai jis se claim reject hota hai.
3. Claim form bharein
Form PB-23 bharna hota hai — English ya Urdu, dono mojood hain:
4. Ye cheezein saath le kar jayein
- Asli prize bond (photocopy nahi)
- Bhara hua claim form PB-23
- Asli CNIC aur uski do photocopies
- Filer hain to NTN / tax filer status ka saboot — is se tax 15% rehta hai
- Bank account ki tafseel (cross cheque ya transfer ke liye)
5. Kahan jama karayein
| Inaam ki raqam | Kahan |
|---|---|
| Rs. 1,250 tak | Kisi bhi National Savings Centre ya authorized commercial bank branch |
| Rs. 1,250 se zyada | State Bank of Pakistan (SBP-BSC) field office |
| Premium bonds (25,000 / 40,000) | SBP-BSC field office — registered bond ke record ke saath |
6. Tax
Government policy ke mutabiq prize bond ki jeet par withholding tax:
- Filer (FBR active taxpayer list me): 15%
- Non-filer: 35%
Misal: Rs. 1,500 wale bond ka 3rd prize Rs. 18,500 hai. Filer ko Rs. 15,725 milte hain, non-filer ko Rs. 12,025. Draw se pehle FBR ki active taxpayer list me apna naam check kar lein — is se bara farq parta hai.
7. Kitne arse tak claim ho sakta hai
Draw ki tareekh se 6 saal tak. Is ke baad claim qabool nahi hota. Isi liye hum aap ke wallet me save bonds ko pichhle 10 saal ke draws se bhi check karte hain — kai logon ko pata hi nahi chalta ke unka purana bond jeeta hua tha.
8. Kitni dair lagti hai
Chhoti raqam usi din mil jati hai. Bari raqam ka cheque aam tor par 15 se 30 din me jari hota hai.
Ehtiyat
Koi bhi shakhs jo aap se claim karwane ke liye pehle paise maange, ya aap ka asli bond apne paas rakhne ko kahe, us se ehtiyat karein. Claim ka amal khud karna bilkul mumkin aur muft hai.