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.

In 2021, the real interest rate in Pakistan decreased by 2.2 percentage points (-297.3 percent) compared to 2020. The year marks a significant change in the real interest rate compared to the previous year. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator.Find more statistics on other topics about Pakistan with key insights such as deposit interest rate, domestic credit to the private sector as a share of GDP, and broad money as a percentage of GDP.

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.; ;

Pakistan PK: Interest Rate Spread data was reported at 3.732 % pa in 2017. This records a decrease from the previous number of 3.921 % pa for 2016. Pakistan PK: Interest Rate Spread data is updated yearly, averaging 5.740 % pa from Dec 2004 (Median) to 2017, with 14 observations. The data reached an all-time high of 6.813 % pa in 2006 and a record low of 3.732 % pa in 2017. Pakistan PK: Interest Rate Spread 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. Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest 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.; Median;

Real interest rate (%) in Pakistan was reported at --1.4523 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Pakistan - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

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 22.91 % pa in Jun 2023, compared with 22.19 % pa in the previous month.
• Pakistan Short Term Interest Rate data is updated monthly, available from Nov 2004 to Jun 2023.
• The data reached an all-time high of 22.91 % pa in Jun 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 11.00 % pa in Jun 2023.
• The cash rate (State Bank of Pakistan: Reverse Repo Rate) was set at 23.00 % pa in Jun 2023.
• Pakistan Exchange Rate against USD averaged 285.49 (USD/PKR) in May 2023.

Deposit Interest Rate in Pakistan increased to 7.25 percent in December from 5.97 percent in November of 2021. This dataset includes a chart with historical data for Deposit Interest Rate in Pakistan.

Lending interest rate (%) in Pakistan was reported at 8.666 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Pakistan - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Key information about Pakistan Long Term Interest Rate

• Pakistan Long Term Interest Rate: Month End: Pakistan: Government Bond Yield: 10 Years was reported at 11.00 % pa in Jun 2023, compared with 11.00 % pa in the previous month.
• Pakistan Long Term Interest Rate data is updated monthly, available from Mar 2015 to Jun 2023.
• The data reached an all-time high of 11.00 % pa in Jun 2023 and a record low of 8.00 % pa in Oct 2022.
• 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 22.91 % pa in Jun 2023.
• The cash rate (State Bank of Pakistan: Reverse Repo Rate) was set at 23.00 % pa in Jun 2023.
• Pakistan Exchange Rate against USD averaged 286.58 (USD/PKR) in Jun 2023.

In 2021, the deposit interest rate in Pakistan decreased by 1.7 percentage points (-22.76 percent) compared to 2020. Nevertheless, the last two years recorded a significantly higher deposit interest rate than the preceding years.The deposit interest rate is paid by financial institutions to deposit account holders.Find more statistics on other topics about Pakistan with key insights such as broad money as a percentage of GDP, domestic credit to the private sector as a share of GDP, and real interest rate.

Deposit interest rate (%) in Pakistan was reported at 5.7515 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Pakistan - Deposit interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Lending interest rate of Pakistan plummeted by 19.44% from 10.76 % in 2020 to 8.67 % in 2021. Since the 43.40% surge in 2019, lending interest rate sank by 29.16% in 2021. Lending interest rate is the rate charged by banks on loans to prime customers.

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.; ;

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.; ;

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 June of 2025.

In December 2024, the benchmark interest rate in Pakistan stood at 13 percent. Bangladesh's central bank policy rate stood at 10 percent that month, counteracting the country's high inflation.

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.; ;

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.

Economic welfare is essential in the modern economy since it directly reflects the standard of living, distribution of resources, and general social satisfaction, which influences individual and social well-being. This study aims to explore the relationship between national income accounting different attributes and the economic welfare in Pakistan. However, this study used data from 1950 to 2022, and data was downloaded from the World Bank data portal. Regression analysis is used to investigate the relationship between them and is very effective in measuring the relationship between endogenous and exogenous variables. Moreover, generalized methods of movement (GMM) are used as the robustness of the regression. Our results show that foreign direct investment outflow, Gross domestic product growth rate, GDP per capita, higher Interest, market capitalization, and population growth have a significant negative on the unemployment rate, indicating the rise in these factors leads to a decrease in the employment rate in Pakistan. Trade and savings have a significant positive impact on the unemployment rate, indicating the rise in these factors leads to an increase in the unemployment rate for various reasons. Moreover, all the factors of national income accounting have a significant positive relationship with life expectancy, indicating that an increase in these factors leads to an increase in economic welfare and life expectancy due to better health facilities, many resources, and correct economic policies. However, foreign direct investment, inflation rate, lending interest rate, and population growth have significant positive effects on age dependency, indicating these factors increase the age dependency. Moreover, GDP growth and GDP per capita negatively impact age dependency. Similarly, all the national income accounting factors have a significant negative relationship with legal rights that leads to decreased legal rights. Moreover, due to better health facilities and health planning, there is a negative significant relationship between national income accounting attributes and motility rate among children. Our study advocated the implications for the policymakers and the government to make policies for the welfare and increase the social factors.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.