Karachi, December 17, 2025 – The State Bank of Pakistan (SBP) has released the updated Karachi Interbank Offered Rates (KIBOR) for Wednesday, December 17, 2025, providing essential information for banks, financial institutions, and investors. These rates serve as a benchmark for short-term borrowing and lending in Pakistan’s interbank money market.
The daily KIBOR rates reflect market liquidity, interest rate trends, and banking sector dynamics, helping businesses and consumers make informed decisions regarding loans, deposits, and investment planning. Comparing the latest rates with the previous day shows minor fluctuations across different tenors.
KIBOR Rates – December 17, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.35 | 10.85 |
| 2-Week | 10.34 | 10.84 |
| 1-Month | 10.34 | 10.84 |
| 3-Month | 10.44 | 10.69 |
| 6-Month | 10.48 | 10.73 |
| 9-Month | 10.55 | 11.05 |
| 1-Year | 10.56 | 11.06 |
KIBOR Rates – December 16, 2025
| Tenor | Bid (%) | Offer (%) |
| 1-Week | 10.34 | 10.84 |
| 2-Week | 10.36 | 10.86 |
| 1-Month | 10.36 | 10.86 |
| 3-Month | 10.46 | 10.71 |
| 6-Month | 10.51 | 10.76 |
| 9-Month | 10.55 | 11.05 |
| 1-Year | 10.56 | 11.06 |
The SBP emphasized that these rates are intended to guide banks and financial institutions in short-term lending and borrowing activities. Observers note that minor daily changes in KIBOR reflect evolving market liquidity and investor sentiment, impacting corporate financing costs and interbank lending trends.
Monitoring KIBOR movements is essential for financial planning, interest rate forecasting, and risk management, making this daily update a valuable tool for Pakistan’s banking and investment community.