What is Kibor and why does it matter?
KIBOR is Pakistan's benchmark interbank lending rate. Here is a plain-English explainer of how it works, who uses it, and why it moves markets.
Read more →Karachi Interbank Offered Rate (KIBOR)
Stay updated with Pakistan KIBOR rates. View the latest Bid and Offer rates, compare different tenors, and explore KIBOR data and trends to understand how interbank rates can affect borrowing and financing costs.
Latest rates: Tuesday, 22 September 20261 Month
Bid11.450.02
Offer11.950.02
3 Month
Bid11.490.03
Offer11.740.03
6 Month
Bid11.720.01
Offer11.970.01
1 Year
Bid11.850.01
Offer12.350.01
Latest Kibor Rates — 22 September 2026
| Tenor | Bid | Offer |
|---|---|---|
| 1 Week | 11.37-0.01 | 11.87-0.01 |
| 2 Week | 11.400.00 | 11.900.00 |
| 1 Month | 11.45-0.02 | 11.95-0.02 |
| 3 Month | 11.49-0.03 | 11.74-0.03 |
| 6 Month | 11.72-0.01 | 11.97-0.01 |
| 9 Month | 11.82+0.02 | 12.32+0.02 |
| 1 Year | 11.85+0.01 | 12.35+0.01 |
Kibor Charts
Kibor Trend by Tenor
Pick a tenor and a range to see its Bid and Offer over time.
Latest Rates by Tenor
Bid vs Offer for 22 Sep 2026
Browse Kibor Rates by Tenor
Compare every tenor side by side.
1 Week Kibor
Today's 1 Week rate, chart and history.
2 Week Kibor
Today's 2 Week rate, chart and history.
1 Month Kibor
Today's 1 Month rate, chart and history.
3 Month Kibor
Today's 3 Month rate, chart and history.
6 Month Kibor
Today's 6 Month rate, chart and history.
9 Month Kibor
Today's 9 Month rate, chart and history.
1 Year Kibor
Today's 1 Year rate, chart and history.
Why Kibor matters
▲
Daily Updates
Fresh KIBOR figures are pulled automatically each banking day.
☑
Reliable Data
All rates are compiled from official daily publications for accuracy you can rely on.
☆
Free Access
No subscription. Browse current and historical KIBOR rates free of charge.
📄
PDF Export
Download a clean, PDF of the latest rate sheet whenever you need it.
Explore KiborRate.pk
⏱
Today's Rates
Latest bid and offer across all tenors, with a PDF download.
📈
Interactive Charts
Line, bar, area and radar charts for every date in history.
📜
Kibor Blog
Plain-English guides on how KIBOR works and what moves it.
ⓘ
About Us
Our source, our methodology, and how we keep data accurate.
Need today's Kibor for pricing or planning?
Browse the latest bid and offer rates, download a PDF rate sheet, or explore many years of history and charts.
Frequently Asked Questions
Kibor stands for the Karachi Interbank Offered Rate — the average rate at which banks in Pakistan lend unsecured funds to one another in the interbank money market. It is published daily and is the country's primary benchmark for pricing loans, bonds and deposits.
Kibor is compiled and published each banking day. On this site you can browse the same bid and offer rates across all tenors, plus historical data.
Kibor is quoted for Overnight, 1 Week, 2 Week, 1 Month, 3 Month, 6 Month, 9 Month and 1 Year. Historical sheets from earlier years also include 2 Year and 3 Year tenors.
The bid is the rate at which banks are willing to borrow funds, while the offer is the rate at which they are willing to lend them. The gap between the two is the spread. Floating-rate loans are usually priced off the offer side.
Banks borrow and deposit at the central bank policy corridor, so when the policy rate is raised or cut, KIBOR typically moves in the same direction. Market liquidity and expectations add a small premium on top.
Yes. On the Today's Rates page you can download a branded PDF rate sheet, and browse the full history by date.