Karachi, February 11, 2026 – The State Bank of Pakistan (SBP) on Wednesday released the daily Karachi Interbank Offered Rates (KIBOR), providing critical reference rates for banks, financial institutions, and investors across Pakistan. KIBOR rates are widely used to determine lending, borrowing, and investment costs, making them an essential barometer of market liquidity and monetary policy impacts.
The daily rates show minor fluctuations compared with the previous day, reflecting ongoing adjustments in the interbank money market. The 3-month and 6-month tenors witnessed slight movements, while most other tenors remained stable. These changes are influenced by liquidity conditions, demand and supply of funds, and short-term monetary policy expectations.
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 |
KIBOR Rates – February 10, 2026
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.26 | 10.76 |
| 2-Week | 10.26 | 10.76 |
| 1-Month | 10.22 | 10.72 |
| 3-Month | 10.25 | 10.50 |
| 6-Month | 10.28 | 10.53 |
| 9-Month | 10.26 | 10.76 |
| 1-Year | 10.26 | 10.76 |
Market analysts note that KIBOR rates play a key role in guiding short- and long-term interest rates in Pakistan, impacting mortgages, corporate financing, and government securities. The SBP’s continuous monitoring ensures that interbank rates remain aligned with monetary policy targets, supporting stability in the financial system.
Disclaimer: KIBOR rates are provided for informational purposes. Financial institutions and investors should confirm official rates before conducting transactions.