Karachi, October 30, 2025 – The State Bank of Pakistan (SBP) on Thursday released the updated Karachi Interbank Offered Rates (KIBOR), reflecting minor upward adjustments across most short- and long-term tenors compared to the previous day.
The KIBOR, a key benchmark used by banks to determine lending and borrowing costs, serves as a crucial indicator of liquidity trends and interbank confidence in the financial market. The updated rates show marginal increases, signaling tightening liquidity conditions and cautious market sentiment ahead of upcoming monetary policy decisions.
Following are the KIBOR rates issued by the SBP for Thursday, October 30, 2025, and a comparative look at Wednesday, October 29, 2025:
Thursday, October 30, 2025
| Tenor | Bid | Offer |
| 1 – Week | 10.82 | 11.32 |
| 2 – Week | 10.84 | 11.34 |
| 1 – Month | 10.89 | 11.39 |
| 3 – Month | 10.92 | 11.17 |
| 6 – Month | 10.95 | 11.20 |
| 9 – Month | 10.93 | 11.43 |
| 1 – Year | 10.94 | 11.44 |
Wednesday, October 29, 2025
| Tenor | Bid | Offer |
| 1 – Week | 10.78 | 11.28 |
| 2 – Week | 10.81 | 11.31 |
| 1 – Month | 10.88 | 11.38 |
| 3 – Month | 10.92 | 11.17 |
| 6 – Month | 10.94 | 11.19 |
| 9 – Month | 10.87 | 11.37 |
| 1 – Year | 10.90 | 11.40 |
The SBP stated that these rates are determined by averaging quotations from various banks and are meant to serve as indicative benchmarks for interbank transactions.