Karachi, February 2, 2026 – The State Bank of Pakistan (SBP) has published the daily Karachi Interbank Offered Rate (KIBOR) for Monday, February 2, 2026, to guide banks, businesses, and financial consumers in pricing loans and other credit facilities.
KIBOR serves as a key benchmark rate for lending in Pakistan and is closely monitored by financial institutions and corporate borrowers. The latest data shows marginal changes across short- and medium-term tenors compared to the previous trading session.
KIBOR Rates – February 2, 2026
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.26 | 10.76 |
| 2-Week | 10.26 | 10.76 |
| 1-Month | 10.24 | 10.74 |
| 3-Month | 10.24 | 10.49 |
| 6-Month | 10.24 | 10.49 |
| 9-Month | 10.24 | 10.74 |
| 1-Year | 10.24 | 10.74 |
KIBOR Rates – January 30, 2026
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.24 | 10.74 |
| 2-Week | 10.24 | 10.74 |
| 1-Month | 10.25 | 10.75 |
| 3-Month | 10.23 | 10.48 |
| 6-Month | 10.24 | 10.49 |
| 9-Month | 10.24 | 10.74 |
| 1-Year | 10.24 | 10.74 |
According to market analysts, the largely stable KIBOR trend reflects cautious liquidity conditions in the interbank market following recent monetary easing by the SBP. These rates are widely used for determining the cost of working capital loans, corporate financing, and consumer lending products.
The SBP releases KIBOR on a daily basis to ensure transparency and support informed financial decision-making across the banking sector.