What is the latest KIBOR rate in Pakistan?

KIBOR (Karachi Interbank Offered Rate) fluctuates daily based on SBP monetary policy. Banks usually charge KIBOR + a spread of 2-5%. Check our tool for estimated monthly payments.

How much is the car loan down payment?

In Pakistan, down payments usually range from 15% to 30% of the car's total value, strictly dictated by SBP regulations and the individual bank's policy.

Can I pay off my auto loan early in Pakistan?

Yes, but be prepared. Most commercial banks charge an 'early settlement penalty,' which is typically 2% to 5% of the remaining unpaid principal.

Why does my monthly installment keep increasing?

If your loan uses a variable markup tied to KIBOR, your EMI will readjust annually or bi-annually. When KIBOR spikes, your bank raises your monthly installment accordingly.

Loan EMI Calculator Pakistan (PKR)

Calculate the monthly installment (EMI) for a car loan, personal loan or home loan in PKR. Enter the principal, interest rate (including KIBOR spread if applicable) and tenure.

JavaScript is required to run the calculator. Please enable JavaScript to use the full PakCalc tool.

PakCalc — Free Financial Calculators for Pakistan (Updated 2026)