Karachi, November 7, 2025 – The State Bank of Pakistan (SBP) has updated the Karachi Interbank Offered Rates (KIBOR) for Friday, November 7, 2025, to facilitate banks, financial institutions, and corporate clients in managing their short-term borrowing and lending operations.
The KIBOR serves as a benchmark rate used by banks for interbank lending and is a crucial indicator of liquidity conditions and monetary trends in the country’s financial markets.
According to the SBP data, minor fluctuations were observed in some tenors compared to Thursday’s figures, indicating stable liquidity and consistent market expectations.
KIBOR Rates – Friday, November 7, 2025
| Tenor | Bid (%) | Offer (%) |
| 1 – Week | 10.89 | 11.39 |
| 2 – Week | 10.88 | 11.38 |
| 1 – Month | 10.90 | 11.40 |
| 3 – Month | 10.93 | 11.18 |
| 6 – Month | 10.95 | 11.20 |
| 9 – Month | 10.94 | 11.44 |
| 1 – Year | 10.97 | 11.47 |
KIBOR Rates – Thursday, November 6, 2025
| Tenor | Bid (%) | Offer (%) |
| 1 – Week | 10.89 | 11.39 |
| 2 – Week | 10.88 | 11.38 |
| 1 – Month | 10.91 | 11.41 |
| 3 – Month | 10.93 | 11.18 |
| 6 – Month | 10.94 | 11.19 |
| 9 – Month | 10.93 | 11.43 |
| 1 – Year | 10.95 | 11.45 |
Financial analysts noted that the stability in KIBOR rates reflects steady interbank liquidity and a balanced monetary policy stance by the central bank. These rates play a key role in determining borrowing costs for businesses, influencing credit pricing and investment trends in Pakistan’s economy.