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.

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.

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.; ;

In 2021, the real interest rate in Pakistan amounted to ***** percent. Between 2004 and 2021, the figure dropped by **** percentage points, though the decline followed an uneven course rather than a steady trajectory.

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.

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.

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

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.

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.

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

Daily dataset of the Pakistan Interest Rate, including historical data, latest releases, and long-term trends from 2015-09-12 to 2025-10-27. Available for free download in CSV format.

Real interest rate of Pakistan sank by 296.33% from 0.74 % in 2020 to -1.45 % in 2021. Since the 12.37% jump in 2018, real interest rate plummeted by 132.16% in 2021. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator.

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.

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.; ;

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.

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