Incentive Schemes for SMEs & Other Sectors
 
 
 Cost Sharing Scheme for Electric Bikes and Rickshaws/Loaders
  • Financing is available for Electric Bikes & Rickshaws/Loaders for all citizens of Pakistan holding valid CNIC and digital undertaking for driving license
  • In case of e-bikes, the applicant at the time of submission of application must be aged between 18 and 65 years and in case of rickshaw/loaders the age of the applicant must be between 21 and 65 years.
  • The financing is available at end user rate of 0%
  • The maximum loan for two-wheeler is Rs. 200,000/- and Rs. 880,000/- for three-wheeler.
  • The capital subsidy provided by the Government is up to Rs. 50,000/- per two-wheeler, subject to Debt: Equity Ratio and up to Rs. 200,000/- per three-wheeler. The Debt: Equity Ratio is 80:20, the equity portion will encompass both capital subsidy and borrower’s share.
  • The maximum loan tenor is 2 years for e-bikes and 3 years for rickshaws/loaders.
  • For detailed features of the scheme, please click the following circular issued by SBP:

    https://www.sbp.org.pk/smefd/circulars/2025/C4.htm

  • Frequently Asked Questions (FAQs)
     Apply Now:
    https://www.pave.gov.pk/home
 
  •  
    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 14-Jan-26
    9.67% p.a.
    KIBOR
    As on 15-Jan-26
    Tenor BID OFFER
    3-M 10.11 10.36
    6-M 10.1

    10.35
    12-M 10.05 10.55
     

  • 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 10.1900%
    3-Y 10.1400%
    5-Y 10.5250%
    10-Y 11.0000%
    15-Y Bids Rejected
    (as on Jan 14, 2026)

    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 15-Jan-26
     
    M2M
    Revaluation Rate
    279.963
    Weighted
    Average Rate
    Bid: 279.6916
    Offer:

    280.1167
       
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