Karachi, August 4, 2025 – The State Bank of Pakistan (SBP) on Monday issued the latest Karachi Interbank Offered Rates (KIBOR), reflecting minor shifts in short and long-term lending benchmarks across various tenors.
The updated KIBOR rates are used as a critical reference for commercial bank lending, business contracts, and financial instruments.
Below are the officially released KIBOR rates by the SBP for August 4, 2025:
KIBOR Rates – August 4, 2025
| Tenor | Bid (%) | Offer (%) |
| 1 – Week | 10.87 | 11.37 |
| 2 – Week | 10.87 | 11.37 |
| 1 – Month | 10.89 | 11.39 |
| 3 – Month | 10.83 | 11.08 |
| 6 – Month | 10.82 | 11.07 |
| 9 – Month | 10.74 | 11.24 |
| 1 – Year | 10.74 | 11.24 |
For comparison, here are the previous KIBOR rates issued by the SBP on August 1, 2025:
KIBOR Rates – August 1, 2025
| Tenor | Bid (%) | Offer (%) |
| 1 – Week | 10.88 | 11.38 |
| 2 – Week | 10.88 | 11.38 |
| 1 – Month | 10.87 | 11.37 |
| 3 – Month | 10.81 | 11.06 |
| 6 – Month | 10.80 | 11.05 |
| 9 – Month | 10.74 | 11.24 |
| 1 – Year | 10.73 | 11.23 |
The figures show marginal decreases in short-term KIBOR rates, particularly for the 1-week and 2-week tenors, suggesting slightly improved liquidity conditions in the interbank market. The SBP routinely publishes these benchmark rates to support market transparency and assist in financial decision-making for banks and businesses alike.