Karachi, November 6, 2025 – The State Bank of Pakistan (SBP) released the latest Karachi Interbank Offered Rates (KIBOR) on Thursday, November 6, 2025.
The updated rates are designed to guide financial institutions, corporate borrowers, and investors in determining benchmark lending and borrowing costs across various tenors.
The KIBOR, a crucial benchmark rate in Pakistan’s financial system, reflects the average rate at which banks lend funds to one another in the interbank market. It is widely used by commercial banks to set corporate lending and financing rates, ensuring transparency and consistency across the banking sector.
The latest data shows marginal variations compared to the previous day’s rates, indicating relative stability in short-term interbank borrowing costs.
KIBOR Rates – Thursday, November 6, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.89 | 11.39 |
| 2-Week | 10.88 | 11.38 |
| 1-Month | 10.91 | 11.41 |
| 3-Month | 10.93 | 11.18 |
| 6-Month | 10.94 | 11.19 |
| 9-Month | 10.93 | 11.43 |
| 1-Year | 10.95 | 11.45 |
KIBOR Rates – Wednesday, November 5, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.87 | 11.37 |
| 2-Week | 10.89 | 11.39 |
| 1-Month | 10.90 | 11.40 |
| 3-Month | 10.91 | 11.16 |
| 6-Month | 10.93 | 11.18 |
| 9-Month | 10.94 | 11.44 |
| 1-Year | 10.97 | 11.47 |
The SBP continues to update KIBOR rates daily to maintain a transparent and efficient financial market, helping businesses and banks make informed lending decisions.