State Bank of Pakistan ne interest rate barha diya hai! Monday 26 October 2026 ko Monetary Policy Committee (MPC) ne policy rate 50 basis points (0.5%) barha kar 12% kar diya — pehle ye 11.5% tha. Governor Jameel Ahmad ne Karachi me press conference me faisle ka elan kiya.
Faisla kaise hua?
MPC ke 10 me se 9 members ne izafe ke haq me vote diya — aik member ki rai thi ke rate aur zyada barhana chahiye tha. Ye FY 2026-27 ki MPC ki teesri meeting thi.
Rate kyun barhaya gaya?
SBP ke mutabiq mehngai (inflation) ka outlook kharab hua hai:
- Middle East me jaari conflict (US-Iran) ki wajah se global energy aur commodity prices upar hain — oil $100 per barrel se upar hai.
- Pakistan ke andar bhi pichle 2–3 mahine me wheat ki qeematein barhi hain, jo mehngai par asar daal rahi hain.
- SBP ka maqsad hai ke mehngai ki umeedein qabu me rahein aur inflation ko 5–7% ke target range me wapis laya jaye.
Background: rate kahan se kahan pahuncha?
April 2026 me rate 100 basis points barha kar 11.5% kiya gaya tha — ye taqreeban teen saal me pehla izafa tha. Us ke baad se rate 11.5% par hi ruka hua tha — aaj ka faisla us ke baad pehla izafa hai.
Aap par kya asar parega?
- Loans mehnge: Policy rate barhne se banks ke liye paisa mehnga hota hai — is liye home loan, car loan, personal loan aur business loan ki qist (EMI) barh sakti hai, khaas tor par wo loans jo KIBOR ya floating rate se jurre hon. Aap ki qist foran nahi badlegi — bank apne rate apni agli reset date par adjust karta hai, apne bank se confirm karein.
- Savings par: Deposit aur savings accounts ke rates bhi waqt ke sath adjust ho sakte hain — bank ki nayi rate list check karein.
- Business aur khareedari: Udhar mehnga hone se bari khareedari aur stock par soch-samajh kar faisla karein; qist lene se pehle bank se total cost aur nayi EMI likhwa lein.
Kya karein?
Agar aap ka loan floating rate par hai to apne bank se poochein ke nayi qist kab se laagu hogi. Naya loan lene se pehle 2–3 banks ke rates compare karein, aur sirf wo qist lein jo aap ki monthly income me asaani se aa jaye.
Note: Ye SBP ke elan par mabni khabar hai — aap ke loan ya deposit par asal rate aap ke bank ki apni policy aur agreement ke mutabiq hoga.
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