State Bank of Pakistan, اسٹیٹ بینک
Pakistan's central bank: sets the policy rate, manages the rupee and regulates banks.
Also: SBP, central bank, policy rate
Tools
Finance
Personal loan
Monthly instalment and total mark-up on a personal or salary loan in Pakistan for any amount, rate and tenure, with the year-by-year balance so you can see how much is interest.
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Finance
Home Loan
Monthly installment, total mark-up and how much house you can afford on your income, for bank home loans and Islamic house finance in Pakistan.
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Finance
National Savings
Profit on Defence Savings (DSC), Special Savings (SSC), Behbood, Regular Income and Pensioners' Benefit certificates at the rates effective 1 October 2026: monthly and yearly, after withholding tax for filers and non-filers.
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Finance
Currency converter
Convert dollars, dirhams, riyals, pounds and euros to Pakistani rupees at today's interbank rate, and see what a bank remittance or the open market would actually give you.
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News & guides
News
Open banking in Pakistan: SBP drafts rules to let fintech apps see your bank data with consent, feedback by 30 November
The State Bank's draft Open Banking Regulations would let licensed third-party apps read account data and start payments once a customer agrees. Anyone can comment until 30 November.
30 Oct 2026
News
US Fed holds rates at 3.75% to 4% with two votes for a hike; December increase now expected
Chair Kevin Warsh kept rates on hold a month after the Fed's first hike in three years, but two dissenters wanted another rise and economists now look for one on 8 to 9 December.
29 Oct 2026
News
Kinnow exports: govt orders a 5-year roadmap in 15 days, plans daily Iran convoys and a Sargodha reefer train
A prime minister's subcommittee wants a customs green channel for fruit, a 60% tariff concession at Port Qasim and exporters' finance extended before 15 November, as the kinnow season opens.
29 Oct 2026
News
SBP doubles banks' minimum capital to Rs 20 billion, deadline 31 December 2030
Local banks must hold Rs 20 billion instead of Rs 10 billion; foreign branches and DFIs face new floors too. Analysts expect no cut in dividends.
29 Oct 2026
News
Currency transaction report limit raised to Rs 3 million from Rs 2 million: what it means for cash deals
Banks will report cash transactions to the Financial Monitoring Unit only from Rs 3 million, and the new crypto regulator PVARA gets anti-money laundering powers.
28 Oct 2026
News
SBP caps bank investment in any one startup at Rs 500 million or 5% of capital
A new State Bank circular sets three ceilings on bank and DFI equity bets, covering fintech startups, single companies and funds, and makes every bank write an investment policy with an exit plan.
25 Oct 2026
News
World Bank tells Pakistan to move from stability to growth; Aurangzeb points to $3bn Eurobond
World Bank and IFC officials met the finance minister in Islamabad on Friday and urged a shift to investment and private-sector-led growth. Here is what was said and what it could mean for jobs.
24 Oct 2026
News
Pakistan GDP growth FY26 revised to 3.65%: economy now Rs 126.4 trillion, $450 billion
The National Accounts Committee trimmed last year's growth, lifted farming, cut services and put a new number on income per person: Rs 531,897.
19 Oct 2026
Guide
Car loan in Pakistan 2026: SBP limits, KIBOR rates, documents and a worked instalment
The State Bank caps car finance at Rs 3 million per person with at least 30% down. Here is how banks price a car loan off KIBOR, what they ask for, and what a loan costs a month at today's rate.
18 Oct 2026
News
Pakistani freelancers earn a record $197 million in September 2026, about Rs 54.5 billion
The best month on record takes first-quarter freelance earnings to about $550 million, up 46% on last year, as IT exports also hit $435 million.
18 Oct 2026
News
Car loans in Pakistan reach Rs 407 billion in September, a 22nd straight monthly rise, even as car sales fall 12%
Banks lent Rs 13.7 billion more for cars in September while assemblers sold fewer vehicles than a year ago. Here is what that means if you are financing a car now.
18 Oct 2026
News
SBP reserves at $21.5 billion: Governor Jameel Ahmad tells JP Morgan, Citi and others Pakistan can absorb the oil shock
At the IMF-World Bank meetings in Bangkok, the State Bank governor set out how far reserves, forward liabilities and growth have moved since the 2023 crisis, and the bank's 3.5% to 4.5% growth forecast for this year.
17 Oct 2026
News
Pakistan to chair IMF and World Bank Boards of Governors in 2027, first time since 1953
Economic Affairs Minister Ahad Cheema was named incoming chair at the Bangkok annual meetings, a seat Pakistan last held 74 years ago. What the role is and what it is not.
17 Oct 2026
News
Pakistan current account deficit widens to $356 million in September as imports rise 23%
Remittances climbed 13% to $3.59 billion, but imports grew faster than exports. The first quarter of FY27 closed $874 million in the red, 16% worse than a year ago.
16 Oct 2026
News
T-bill auction: govt raises Rs685.5bn, 6-month yield 12.39%, still 89 basis points above the 11.5% policy rate
Banks offered Rs2.6 trillion at Wednesday's treasury bill auction and the government kept paying well above the State Bank's rate, 11 days before the next rate decision.
15 Oct 2026
News
SBP Banking on Equality Policy 2026: gender gap target of 25% by 2028
The gender gap in financial inclusion fell from 39% to 29% under the first policy. The second edition asks banks for simpler digital accounts, loans without collateral history and more women staff and agents.
14 Oct 2026
News
IMF sees Pakistan inflation at 9.9% in FY27 and growth of 3.5%: what the October outlook means for you
The IMF's new World Economic Outlook expects prices to rise faster next year while growth stays stuck near 3.5%, and a small current account surplus turns into a deficit.
13 Oct 2026
News
Fed's Hammack says US rates may need to rise again to stop an 'inflationary mindset'
The Cleveland Fed president, a voter this year, wants small, quick hikes rather than waiting. Markets see a December hike as likely; what a stronger dollar means in Pakistan.
12 Oct 2026
News
Banking Mohtasib got banks to refund Rs 1.2 billion in 2026: how to file a complaint
The banking ombudsman received 33,625 complaints from January to September and ruled for customers in 29,001. Here is how to complain if your bank will not fix a problem.
12 Oct 2026
News
Roshan Digital Account inflows hit a record $14.16 billion as accounts near one million
Overseas Pakistanis sent $251 million through RDAs in September. Nearly $9 billion has been used inside Pakistan, and only $16 million left the country last month.
12 Oct 2026