Karachi Interbank Offered Rate Latest data: 22 Sep 2026

Kibor Calculator

Work out a loan instalment at today's Kibor rate. Enter the amount, tenor and bank margin, then press Calculate.

Your loan details

Banks lend at the offer rate and borrow at the bid rate.
The spread your bank adds, e.g. 1 Year Kibor + 5%.
Loan repayment period in years.

Your estimate

Estimated monthly instalment –
Kibor rate applied
–
Bank margin
–
All-in rate (Kibor + margin)
–
Total markup over tenure
–
Total payable
–

Estimate only, using today's rate with monthly compounding. Actual figures depend on your bank's product and fees.

How the Kibor Calculator Works

Banks price most loans as Kibor plus a margin. This calculator takes today's published rate for your tenor, adds your margin, and converts the result into a monthly instalment.

  1. Pick a tenor, such as 1 Year or 3 Month. The calculator uses today's published rate for that tenor.
  2. Choose the basis. Loans are normally priced off the Offer rate, which is the rate banks lend at.
  3. Add your bank margin. A quote of "1 Year Kibor + 5%" adds 5% to the Kibor rate.
  4. Choose the tenure and press Calculate. You get the equal monthly instalment, total markup and total payable.

The formula

EMI = P × r × (1 + r)n  ÷  ((1 + r)n − 1)

EMI is the equal monthly instalment, P is the loan amount, r is the monthly rate (the all-in annual rate divided by 12), and n is the number of months. Total markup is the total paid over the tenure minus the amount borrowed.