Karachi, December 1, 2025 – The State Bank of Pakistan (SBP) has released the latest Karachi Interbank Offered Rates (KIBOR) for Monday, December 1, 2025. These rates provide a benchmark for lending and borrowing between banks and are crucial for financial institutions, corporate borrowers, and investors in Pakistan.
The updated KIBOR rates reflect minor movements compared to last Friday, November 28, 2025. Financial analysts noted that these small changes indicate stable money market conditions, suggesting continued confidence among banking institutions in short- and long-term liquidity management.
The following table shows the updated KIBOR rates for December 1, 2025:
KIBOR – Monday, December 1, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.84 | 11.34 |
| 2-Week | 10.83 | 11.33 |
| 1-Month | 10.84 | 11.34 |
| 3-Month | 10.87 | 11.12 |
| 6-Month | 10.91 | 11.16 |
| 9-Month | 10.91 | 11.41 |
| 1-Year | 10.91 | 11.41 |
For comparison, the previous KIBOR rates on Friday, November 28, 2025, were as follows:
KIBOR – Friday, November 28, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.84 | 11.34 |
| 2-Week | 10.83 | 11.33 |
| 1-Month | 10.84 | 11.34 |
| 3-Month | 10.88 | 11.13 |
| 6-Month | 10.91 | 11.16 |
| 9-Month | 10.92 | 11.42 |
| 1-Year | 10.93 | 11.43 |
The SBP emphasized that KIBOR rates serve as an indicative benchmark for banks and financial institutions and are essential for pricing loans, deposits, and other financial products. Monitoring these rates helps businesses and investors make informed decisions in Pakistan’s financial markets.
Disclaimer: KIBOR rates are indicative and may vary slightly among different financial institutions.