Incentive Schemes for SMEs & Other Sectors
 
 
 Risk Coverage Scheme for Small and Medium Enterprises (SMEs)
 
Considering the critical importance of SMEs in inclusive economic growth and employment creation, the Government of Pakistan, on the recommendation of the SBP, has approved a Risk Coverage Scheme for securing banks’ fresh exposure against SMEs.
Under the scheme, Government will absorb credit loss (principal portion only), 20% first loss coverage against banks’ fresh exposure to Small Enterprises and 10% first loss coverage against banks’ fresh exposure to Medium Enterprises.
SMEs (new and existing businesses) as per SBP definition of SME finance Prudential Regulations will be eligible under the scheme.
All types of loans including working capital loans/running finance and long term loans will be eligible under the scheme.
The tenor of loans will be upto 5 years.
The loans will be classified as loss on the time based criteria as mentioned in SBP Prudential Regulations for SME Finance.
For detailed features of the scheme, please click the following circular issued by SBP:
https://www.sbp.org.pk/smefd/circulars/2024/C2.htm
For Frequently Asked Questions (FAQs), please click here.
 
  •  
    SBP Policy Rate
    12.00% p.a.
     
    SBP Overnight
    Reverse
    Repo (Ceiling) Rate
    13.00% p.a
     
    SBP Overnight
    Repo (Floor) Rate
    11.00% p.a.
  •  
    Weighted-average Overnight Repo Rate
    As on 06-Feb-25
    12.30% p.a.
    KIBOR
    As on 7-Feb-25
    Tenor BID OFFER
    3-M 11.66 11.91
    6-M 11.53

    11.78

    12-M 11.47 11.97
     

  • MTBs
    Tenor Rates
    3-M 11.7998%
    6-M 11.5048%
    12-M 11.5898%
    (as on Feb 04, 2025)
    Fixed-rate PIB
    Tenor Cut-off Rates
    2-Y 12.5000%
    3-Y 12.4999%
    5-Y 12.5900%
    10-Y 12.7989%
    (as on Dec 18, 2024)

    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
    2-Y 100.1417
    5-Y 96.7267
    10-Y 92.8944
    (as on Feb 04, 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)
    15-Jan-24


    MTB
    19-Feb-25

    Floating Rate PIB
    (Semi-Annual Coupon)


    19-Feb-25
    Floating-rate PIB
    (Quarterly Coupon)

    04-Feb-25
    As on 24-Jan-25
    SBP’s Reserves
    11,372.4
    Bank’s Reserves
    4,679.7
    Total Reserves
    16,052.1

  •  
    As on 7-Feb-25
     
    M2M
    Revaluation Rate
    279.0456
    Weighted
    Average Rate
    Bid: 278.8708
    Offer:

    279.3026

       
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