Karachi, February 10, 2026 – The State Bank of Pakistan (SBP) on Tuesday released the daily Karachi Interbank Offered Rates (KIBOR) for various tenors to facilitate banks, financial institutions, businesses, and consumers in pricing loans and other financial products.
KIBOR serves as a key benchmark rate for lending in Pakistan and is widely used by commercial banks to determine interest rates on corporate and consumer financing. The latest data shows a mixed trend, with slight increases in short- and medium-term tenors compared to the previous trading day, reflecting evolving liquidity conditions in the interbank market.
On February 10, the one-week and two-week KIBOR bid rates edged up to 10.26 percent, while the one-month rate remained unchanged. The six-month tenor saw a marginal increase to 10.28 percent on the bid side, whereas the nine-month and one-year rates stayed stable. Market participants closely monitor these daily movements as they influence borrowing costs across sectors, including trade, manufacturing, housing finance, and personal loans.
Below are the detailed tables showing the comparison of KIBOR rates for February 9 and February 10, 2026:
KIBOR Rates – February 10, 2026
| Tenor | Bid (%) | Offer (%) |
| 1 – Week | 10.26 | 10.76 |
| 2 – Week | 10.26 | 10.76 |
| 1 – Month | 10.22 | 10.72 |
| 3 – Month | 10.25 | 10.50 |
| 6 – Month | 10.28 | 10.53 |
| 9 – Month | 10.26 | 10.76 |
| 1 – Year | 10.26 | 10.76 |
KIBOR Rates – February 9, 2026
| Tenor | Bid (%) | Offer (%) |
| 1 – Week | 10.23 | 10.73 |
| 2 – Week | 10.23 | 10.73 |
| 1 – Month | 10.22 | 10.72 |
| 3 – Month | 10.25 | 10.50 |
| 6 – Month | 10.27 | 10.52 |
| 9 – Month | 10.26 | 10.76 |
| 1 – Year | 10.26 | 10.76 |
Disclaimer: KIBOR rates are indicative and subject to change based on interbank market conditions. Banks may apply their own margins while determining final lending rates for customers.