KIBOR Rate Today in Pakistan (3-Month and 6-Month)

The interest rate banks charge each other, and the rate almost every business loan in Pakistan is priced from. KIBOR (3M) is currently 12.03 % per year, 3-month tenor.

KIBOR (3M)

Updated Oct 26, 2026, 04:01 PM

12.03% per year, 3-month tenor

▲Higher: Borrowing is dearer. Running finance, car leases and business loans all reprice upward.

▼Lower: Borrowing is cheaper, which usually follows the State Bank cutting its policy rate.

Source

State Bank of Pakistan (SBP)

high confidence Taken directly from the official source's own figures on every update.

Why this matters

KIBOR is the benchmark nearly every business loan, car lease and running-finance limit in Pakistan is priced off. It is the number that explains why borrowing got dearer weeks after the State Bank moved its policy rate.

Economy: A higher KIBOR raises financing costs across the economy, slowing investment and squeezing firms that borrow to hold stock. It also widens the government's own domestic debt servicing bill.

For you: If you have a car lease, a business running-finance limit, or any loan described as KIBOR plus a margin, this is the half of your rate that moves without anyone telling you.

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