Incentive Schemes for SMEs & Other Sectors
 
 
  SMEs
 
Risk Coverage Scheme for Small and Medium Enterprises (SMEs)
Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS)
SME Asaan Finance (SAAF) Scheme
Refinance Facility for Modernization of SMEs (discontinued from July 01, 2025)
Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises (discontinued from July 01, 2025)
Financing Facility for Storage of Agriculture Produce (Discontinued from July 01,2025)
Refinance and Credit Guarantee Scheme for Women Entrepreneurs (discontinued from July 01, 2025)
Small Enterprise (SE) Financing and Credit Guarantee Scheme for Special Persons (discontinued from July 01, 2025)
Prime Minister Kamyab Jawan Youth Entrepreneurship Scheme (YES)(discontinued from July 01, 2022)
Mark-up Subsidy and Guarantee Facility for Rice Husking Mills in Sindh (discontinued from July 01, 2022)
   
  Housing Finance
 
Financing Facility for Low Cost Housing for Special Segments
Markup Subsidy for Housing Finance
FAQs-Markup Subsidy for Housing Finance
 
  Agriculture
 
Credit Guarantee for Small and Marginalized Farmers
Crop Loan Insurance Scheme
Livestock Insurance Scheme
 
  Microfinance
 
The Line of Credit (LoC) Fund
 
  Sustainable Finance
 
Cost Sharing Scheme for Electric Bikes and Rickshaws/Loaders
SBP Financing Scheme for Renewable Energy (discontinued from July 01, 2024)
 

Exporters may apply for these facilities through their banks by giving reference of the specific scheme. In case of any difficulty, please approach SBP at [email protected]

  •  
    SBP Policy Rate
    10.50% p.a.
     
    SBP Overnight
    Reverse
    Repo (Ceiling) Rate
    11.50% p.a
     
    SBP Overnight
    Repo (Floor) Rate
    9.50% p.a.
  •  
    Weighted-average Overnight Repo Rate
    As on 13-Jan-26
    9.79% p.a.
    KIBOR
    As on 14-Jan-26
    Tenor BID OFFER
    3-M 10.11 10.36
    6-M 10.11

    10.36
    12-M 10.06 10.56
     

  • MTBs
    Tenor Cut-off Yield
    1-M 10.2000%
    3-M 10.1501%
    6-M 10.1580%
    12-M 10.1590%
    (as on Jan 07, 2026)
    Fixed-rate PIB
    Tenor Cut-off Rates
    2-Y 10.7760%
    3-Y 10.8389%
    5-Y 11.1900%
    10-Y 11.6650%
    15-Y 11.9999%
    (as on Dec 17, 2025)

    Floating-Rate PIBs (Quarterly Coupon)
    Tenor Cut-off Price
    2-Y Bids Rejected
    3-Y Bids Rejected

    Floating-Rate PIBs
    (Half-yearly Coupon)
    Tenor Cut-off Price
    10-Y 97.1957
    (as on Jan 07, 2026)
    GIS FRR
    Tenor Cut-off Rental Rate/Price
    3-Y 100.2842
    5-Y 100.0022
    GIS VRR
    Tenor Cut-off Margin/Price
    3-Y 99.0800
    5-Y 98.7600
    (as on 21-Dec-2023)

  • PIB Auction
    (Fixed Rate)
    14-Jan-25


    MTB
    21-Jan-26
    Floating Rate PIB
    (Semi-Annual Coupon)

    21-Jan-26
    Floating-rate PIB
    (Quarterly Coupon)

    04-Feb-25
    As on 02-Jan-26
    SBP’s Reserves
    		 16,055.7
    Bank’s Reserves
    		 5,136.7
    Total Reserves
    21,192.4

  •  
    As on 14-Jan-26
     
    M2M
    Revaluation Rate
    279.9735
    Weighted
    Average Rate
    Bid: 279.6949
    Offer:

    280.12
       
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