Incentive Schemes for SMEs & Other Sectors
 
 
 Financing Facility for Low Cost Housing for Special Segments
 
Financing is available to selective low income segments only i.e. widows, children of shaheed, transgender, special persons and persons in the areas severely affected by war against terrorism
Financing is available only for first time homebuyers
Markup rate is upto 5 percent p.a.
Maximum financing to a single borrower is Rs. 2.7 million
Loan tenor is upto 12.5 years including grace period of 6 months
Shariah compliant version of this scheme is also available
 

Click here for detailed features of the scheme
  •  
    SBP Policy Rate
    11.00% p.a.
     
    SBP Overnight
    Reverse
    Repo (Ceiling) Rate
    12.00% p.a
     
    SBP Overnight
    Repo (Floor) Rate
    10.00% p.a.
  •  
    Weighted-average Overnight Repo Rate
    As on 1-Dec-25
    11.02% p.a.
    KIBOR
    As on 02-Dec-25
    Tenor BID OFFER
    3-M 10.85 11.1
    6-M 10.91

    11.16
    12-M 10.92 11.42
     

  • MTBs
    Tenor Cut-off Yield
    1-M 10.8873%
    3-M 11.0000%
    6-M 11.0000%
    12-M 11.2681%
    (as on Nov 26, 2025)
    Fixed-rate PIB
    Tenor Cut-off Rates
    2-Y 11.4792%
    3-Y 11.4900%
    5-Y 11.6390%
    10-Y 12.0005%
    15-Y 12.2500%
    (as on Nov 05, 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 95.4376
    (as on Nov 26, 2025)
    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)
    17-Dec-25


    MTB
    10-Dec-25
    Floating Rate PIB
    (Semi-Annual Coupon)

    10-Dec-25
    Floating-rate PIB
    (Quarterly Coupon)

    04-Feb-25
    As on 21-Nov-25
    SBP’s Reserves
    		 14,560.7
    Bank’s Reserves
    		 5,044.3
    Total Reserves
    19,605.0

  •  
    As on 2-Dec-25
     
    M2M
    Revaluation Rate
    280.4735
    Weighted
    Average Rate
    Bid: 280.2067
    Offer:

    280.6318
       
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