Karachi, February 12, 2026 – The State Bank of Pakistan (SBP) on Thursday released the daily Karachi Interbank Offered Rates (KIBOR) to provide updated benchmarks for banks, financial institutions, and stakeholders. KIBOR rates serve as a key reference for pricing loans, deposits, and other financial instruments in Pakistan.
The following tables compare the KIBOR rates for February 11 and February 12, 2026:
KIBOR Rates – February 12, 2026
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.24 | 10.74 |
| 2-Week | 10.24 | 10.74 |
| 1-Month | 10.22 | 10.72 |
| 3-Month | 10.26 | 10.51 |
| 6-Month | 10.27 | 10.52 |
| 9-Month | 10.27 | 10.77 |
| 1-Year | 10.27 | 10.77 |
KIBOR Rates – February 11, 2026
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.26 | 10.76 |
| 2-Week | 10.26 | 10.76 |
| 1-Month | 10.22 | 10.72 |
| 3-Month | 10.26 | 10.51 |
| 6-Month | 10.27 | 10.52 |
| 9-Month | 10.26 | 10.76 |
| 1-Year | 10.26 | 10.76 |
The latest figures indicate minor fluctuations in the short-term and long-term tenors, reflecting stability in Pakistan’s interbank lending market. These rates are critical for banks, corporates, and investors to assess borrowing costs, liquidity management, and financial planning.
Monitoring daily KIBOR rates also helps businesses and financial institutions anticipate interest rate trends, manage debt obligations effectively, and plan future investment strategies with greater accuracy.
Disclaimer: The KIBOR rates provided are for informational purposes only. Stakeholders should verify rates directly with their banks or financial institutions before making any financial decisions.