Incentive Schemes for SMEs & Other Sectors
 
 
 Refinance Facility for Modernization of SMEs
 
Medium to long term financing is available to SMEs for modernization of their existing units or setting up of new SME units
Financing is available against local purchase/ import of new machinery at mark-up rate of upto 6 percent p.a.
Financing is also available for carrying out civil works upto 20 percent of total project cost for conversion of conventional brick kiln and upto 50 percent of total project cost for new zigzag technology based brick kiln
Financing limit for Small Enterprises is Rs. 25 million and for Medium Enterprises is Rs. 200 million
Maximum financing tenor is 10 years including grace period of 6 months
Shariah compliant version of this scheme is also available
Frequently Asked Question on Refinance Facility for Modernization of SMEs
 
Click here for detailed features of the scheme
  •  
    SBP Policy Rate
    11.50% p.a.
     
    SBP Overnight
    Reverse
    Repo (Ceiling) Rate
    12.50% p.a
     
    SBP Overnight
    Repo (Floor) Rate
    10.50% p.a.
  •  
    Weighted-average Overnight Repo Rate
    As on 22-May-26
    12.07% p.a.
    KIBOR
    As on 25-May-26
    Tenor BID OFFER
    3-M 12.09 12.34
    6-M 12.31

    12.56
    12-M 12.48 12.98
     

  • MTBs
    Tenor Cut-off Yield
    1-M 12.2300%
    3-M 12.4904%
    6-M 12.4999%
    12-M 12.4999%
    (as on May 20, 2026)
    Fixed-rate PIB
    Tenor Cut-off Rates
    2-Y 13.2500%
    3-Y 13.2500%
    5-Y 12.9490%
    10-Y 12.9490%
    15-Y 12.9000%
    (as on May 18, 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 May 20, 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)
    17-Jun-26


    MTB
    10-Jun-26
    Floating Rate PIB
    (Semi-Annual Coupon)

    10-Jun-26
    Floating-rate PIB
    (Quarterly Coupon)

    04-Feb-25
    As on 15-May-2026
    SBP’s Reserves
    		 17,081.0
    Bank’s Reserves
    		 5,507.5
    Total Reserves
    22,588.5

  •  
    As on 25-May-26
     
    M2M
    Revaluation Rate
    278.5114
    Weighted
    Average Rate
    Bid: 278.2358
    Offer:

    278.6609
       
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