The benchmark interest rate in Pakistan was last recorded at 11 percent. This dataset provides - Pakistan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Pakistan PK: Deposit Interest Rate data was reported at 4.478 % pa in 2017. This records a decrease from the previous number of 4.834 % pa for 2016. Pakistan PK: Deposit Interest Rate data is updated yearly, averaging 6.445 % pa from Dec 2004 (Median) to 2017, with 14 observations. The data reached an all-time high of 8.681 % pa in 2009 and a record low of 1.634 % pa in 2004. Pakistan PK: Deposit Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Pakistan – Table PK.World Bank: Interest Rates. Deposit interest rate is the rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Key information about Pakistan Long Term Interest Rate

• Pakistan Long Term Interest Rate: Month End: Pakistan: Government Bond Yield: 10 Years was reported at 11.50 % pa in Nov 2025, compared with 11.50 % pa in the previous month.
• Pakistan Long Term Interest Rate data is updated monthly, available from Mar 2015 to Nov 2025.
• The data reached an all-time high of 862.20 % pa in Dec 2015 and a record low of 0.00 % pa in Dec 2021.
• Long Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Pakistan Short Term Interest Rate: Month End: Pakistan: Interbank Rate: Karachi Average: 3 Months was reported at 11.17 % pa in Oct 2025.
• The cash rate (State Bank of Pakistan: Reverse Repo Rate) was set at 12.00 % pa in Nov 2025.
• Pakistan Exchange Rate against USD averaged 281.27 (USD/PKR) in Oct 2025.

The deposit interest rate in Pakistan amounted to **** percent in 2021. Between 2004 and 2021, the deposit interest rate rose by **** percentage points, though the increase followed an uneven trajectory rather than a consistent upward trend.

Key information about Pakistan Short Term Interest Rate

• Pakistan Short Term Interest Rate: Month End: Pakistan: Interbank Rate: Karachi Average: 3 Months was reported at 11.17 % pa in Oct 2025, compared with 11.07 % pa in the previous month.
• Pakistan Short Term Interest Rate data is updated monthly, available from Nov 2004 to Oct 2025.
• The data reached an all-time high of 23.17 % pa in Aug 2023 and a record low of 5.24 % pa in Dec 2004.
• Short Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Pakistan Long Term Interest Rate: Month End: Pakistan: Government Bond Yield: 10 Years was reported at 11.50 % pa in Nov 2025.
• The cash rate (State Bank of Pakistan: Reverse Repo Rate) was set at 12.00 % pa in Nov 2025.
• Pakistan Exchange Rate against USD averaged 281.27 (USD/PKR) in Oct 2025.

This data set contains Pakistan's interest rate (monthly from the year 2011 to 2019) statistics as collected and reported by State Bank of Pakistan.

In December 2024, the benchmark interest rate in Pakistan stood at ** percent. Bangladesh's central bank policy rate stood at ** percent that month, counteracting the country's high inflation.

Interest rate spread (lending rate minus deposit rate, %) in Pakistan was reported at 2.9144 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Pakistan - Interest rate spread (lending rate minus deposit rate, %) - actual values, historical data, forecasts and projections were sourced from the World Bank on November of 2025.

Pakistan: Real interest rate: Bank lending rate minus inflation: The latest value from 2021 is -1.45 percent, a decline from 0.74 percent in 2020. In comparison, the world average is 1.66 percent, based on data from 106 countries. Historically, the average for Pakistan from 2004 to 2021 is 2.79 percent. The minimum value, -1.71 percent, was reached in 2011 while the maximum of 7.76 percent was recorded in 2016.

Actual value and historical data chart for Pakistan Deposit Interest Rate Percent

Pakistan PK: Lending Interest Rate data was reported at 8.210 % pa in 2017. This records a decrease from the previous number of 8.755 % pa for 2016. Pakistan PK: Lending Interest Rate data is updated yearly, averaging 11.749 % pa from Dec 2004 (Median) to 2017, with 14 observations. The data reached an all-time high of 14.537 % pa in 2009 and a record low of 7.258 % pa in 2004. Pakistan PK: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Pakistan – Table PK.World Bank: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Actual value and historical data chart for Pakistan Lending Interest Rate Percent

Key information about Pakistan Policy Rate

• Pakistan cash rate (State Bank of Pakistan: Reverse Repo Rate) was set at 13.00 % pa in Feb 2025, compared with 13.00 % pa in the previous Jan 2025.
• Pakistan Policy Rate averaged 12.00 % pa and is updated monthly, available from Feb 1992 to Feb 2025.
• The data reached an all-time high of 23.00 % pa in May 2024 and a record low of 6.25 % pa in Dec 2017.

• In the latest reports, Pakistan Short Term Interest Rate: Month End: Pakistan: Interbank Rate: Karachi Average: 3 Months was reported at 22.91 % pa in Jun 2023.
• Its Long Term Interest Rate (Long Term Interest Rate: Month End: Pakistan: Government Bond Yield: 10 Years) was reported at 11.00 % pa in Jun 2023.
• Pakistan Exchange Rate against USD averaged 286.58 (USD/PKR) in Jun 2023.
• Its Real Effective Exchange Rate was 103.70 in Dec 2024.

Pakistan PK: Real Interest Rate data was reported at 4.048 % pa in 2017. This records a decrease from the previous number of 8.321 % pa for 2016. Pakistan PK: Real Interest Rate data is updated yearly, averaging 3.450 % pa from Dec 2004 (Median) to 2017, with 14 observations. The data reached an all-time high of 8.321 % pa in 2016 and a record low of -6.774 % pa in 2006. Pakistan PK: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Pakistan – Table PK.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

The 'Interest Rate Decision' in Pakistan is a monetary policy event where the State Bank of Pakistan (SBP) sets the benchmark interest rate, which influences borrowing costs, inflation, and economic growth.-2025-12-15

Pakistan PK: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data was reported at 3.038 % pa in 2015. This records an increase from the previous number of 1.840 % pa for 2014. Pakistan PK: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data is updated yearly, averaging 2.233 % pa from Dec 2004 (Median) to 2015, with 12 observations. The data reached an all-time high of 4.768 % pa in 2004 and a record low of 1.304 % pa in 2011. Pakistan PK: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Pakistan – Table PK.World Bank.WDI: Interest Rates. Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the 'risk free' treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics database.; ;

The benchmark interest rate in the United States was last recorded at 4 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Lending Rate: IB: WA: Scheduled Banks: Financial Obligations data was reported at 12.570 % pa in Jun 2023. This records an increase from the previous number of 11.250 % pa for Dec 2022. Lending Rate: IB: WA: Scheduled Banks: Financial Obligations data is updated semiannually, averaging 9.300 % pa from Jun 2019 (Median) to Jun 2023, with 9 observations. The data reached an all-time high of 12.570 % pa in Jun 2023 and a record low of 5.030 % pa in Jun 2021. Lending Rate: IB: WA: Scheduled Banks: Financial Obligations data remains active status in CEIC and is reported by State Bank of Pakistan. The data is categorized under Global Database’s Pakistan – Table PK.M007: Lending Rate by Borrowers.

The 'Interest Rate Decision' in Pakistan is a monetary policy event where the State Bank of Pakistan (SBP) sets the benchmark interest rate, which influences borrowing costs, inflation, and economic growth.-2025-07-30

The purpose of this paper is to investigate the impact of risk and competition on the profitability of the Pakistani banking industry. Data are retrieved from the annual statements of banks, the Ministry of finance Pakistan and the World Bank covering the period of (2007–2017). Two steps Generalized Method of Moments (GMM) with the collapse command is used as an estimation technique to overcome endogeneity, unobserved heterogeneity and autocorrelation problems. The results of the study showed that the liquidity risk has positive while credit risk, insolvency risk and competition hurt negatively the profitability of Pakistani banks. The results of the study also revealed that capitalization, size, taxation and GDP growth rate positively affect the Banks’ profits while banking sector development and infrastructure negatively affect banking profitability in Pakistan. The operational cost management positively affects net interest margins but negatively affects ROA and PBT in the Pakistani banking industry.