Incentive Schemes for SMEs & Other Sectors
 
 
 The Line of Credit (LoC) Fund
 
SBP provides funds to Microfinance Banks (MFBs), Non-Bank Microfinance Companies (NBMFCs), and other Non-Bank Finance Companies engaged in the business of wholesale lending, for onward lending to MFBs and NBMFCs
The facility is market driven and the rate of mark-up is linked with KIBOR
Maximum loan tenor for financing to MFBs and NBMFCs is 5 years
Line of credit (LoC) Fund mainly focus on development of products and services catering to micro enterprises and micro housing sectors with specific target for women
 

Click here for detailed features of the scheme
  •  
    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 02-Feb-26
    10.82% p.a.
    KIBOR
    As on 03-Feb-26
    Tenor BID OFFER
    3-M 10.24 10.49
    6-M 10.24

    10.49
    12-M 10.24 10.74
     

  • MTBs
    Tenor Cut-off Yield
    1-M 9.8996%
    3-M 9.8995%
    6-M 9.9492%
    12-M 10.0010%
    (as on Jan 21, 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 Bids Rejected
    (as on Jan 21, 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 23-Jan-26
    SBP’s Reserves
    		 16,101.1
    Bank’s Reserves
    		 5,192.2
    Total Reserves
    21,293.3

  •  
    As on 03-Feb-26
     
    M2M
    Revaluation Rate
    279.7518
    Weighted
    Average Rate
    Bid: 279.4697
    Offer:

    279.8948
       
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