Draw in Final Game Gives Kasparov the Winner’s Pot : Competition: Champion to get $900,000, challenger $450,000. To many chess experts, the match did not live up to expectations of fierce combat.

The 1995 Professional Chess Assn. world championship ended with a whimper Tuesday in New York, as Garry Kasparov of Russia and Viswanathan Anand of India drew the 18th game of the match in only 13 minutes. Kasparov, who won four games, drew 13 and lost only one, wins the monthlong match by the score 10 1/2 to 7 1/2.

By drawing on Monday, Kasparov had clinched at least a tie in the best-of-20-game match. Tuesday’s draw in Game 18 settled the question of prize money. Kasparov, 32, will receive the winner’s share of $900,000. Anand, 25, receives $450,000. The prize fund, originally announced to be $1.5 million, was cut 10% to cover organizational costs.

The players treated Tuesday’s game as a mere formality. They repeated the first 12 moves of the ninth game, in which Anand, as White, had achieved his only win. This time, Kasparov had the White pieces. He offered a draw, and Anand accepted.

After the final game, Kasparov said: “Ten years ago when I won the first title, I thought that would be the greatest pleasure in my life. But now I’m really very happy because this was a very difficult event.”

This match represented the latest of several attempts by Kasparov to enhance the status of chess in the United States. He enthusiastically endorsed the last-minute change of site from Cologne, Germany, to the World Trade Center in New York.

Many chess officials had hoped that a match between two great attackers, in the nation’s largest city, without the personal rancor or political repercussions that marred previous matches, would catch the public’s attention. But the match fizzled.

Chess fans grumbled about the series of eight draws, many of them dull, at the start of the match. Anand’s lone win and several interesting games raised hopes for the second half of the match. But the tension necessary to sustain a long match disappeared when Kasparov notched four wins and a draw in Games 10 to 14. After that, Anand never made it look like a contest.

Kasparov tried to put the best face on a disappointing match by saying: “The era of professional chess has started.”

Anand did not agree with Kasparov’s charge that he “overprepared” for the match. He explained his defeat more simply. “At the right moment, he took his chances and I didn’t,” he said. “That made the difference.”

The match did introduce one exciting new feature. Intel, the computer chip manufacturer which sponsors the PCA, arranged for nearly instantaneous coverage of the games via the Internet. The response overwhelmed their World Wide Web site, and Intel had to add a second Internet address to handle the calls.

Kasparov’s victory adds to an outstanding record in world championship matches.

Since 1984, he has played 182 games in seven championships, losing only 21 games. All but two of those losses came to former champion Anatoly Karpov of Russia, Kasparov’s opponent in five World Chess Federation (FIDE) championships.

In 1993, Kasparov and his official challenger, Nigel Short of England, abandoned the FIDE and formed the PCA to host their championship match in London. Kasparov won, 12 1/2 to 7 1/2, in the most lopsided match of the modern era. However, their bitter break with the FIDE split the chess world into two factions.

The rift has not completely healed, although talks continue about a joint PCA and FIDE world championship.

Kasparov is scheduled to defend his PCA title again in 1997. He will play a six-game match against Deep Blue, the world’s strongest computer program, next February.

Here are the moves of Tuesday’s game:

Kasparov-Anand #18: 1 e4 c5 2 Nf3 d6 3 d4 cxd4 4 Nxd4 Nf6 5 Nc3 a6 6 Be2 e6 7 0-0 Be7 8 a4 Nc6 9 Be3 0-0 10 f4 Qc7 11 Kh1 Re8 12 Bf3, Drawn.