Automobile financing in Pakistan reached Rs359.58 billion in April 2026, increasing 4.12 percent month on month from Rs345.34 billion in March, according to State Bank of Pakistan.
On a yearly basis, car financing rose 36.56 percent from Rs263.31 billion recorded in the same period last year, despite continued pressure from high interest rates and taxes and restrictions.
Housing and Personal Loans
Consumer financing for house building and renovation stood at Rs234.76 billion at the end of April 2026, rising 16.79 percent year on year and 3.19 percent monthly compared with previous figures.
Personal loans totaled Rs278.52bn, increasing 3.81 percent year on year but declining 0.62 percent month on month compared with March 2026 levels reported earlier in official data.
Total consumer financing reached Rs1.07trillion, rising 20.53 percent year on year and 1.43 percent month on month from Rs1.06 trillion recorded in March 2026.
Private Sector Credit Trends
Outstanding private sector credit stood at Rs10.64tr in April 2026, increasing 11.77 percent year on year but declining 0.41 percent compared with Rs10.69 trillion in March.
Manufacturing sector borrowing reached Rs5.8 trillion, increasing 7.65 percent year on year but falling 0.92 percent month on month during the period under review.
Construction sector borrowing declined to Rs210.63 billion in April, decreasing 2.6 percent year on year and 3.14 percent month on month, while agriculture lending rose Rs594.89 billion, up 29 percent and 0.27 percent monthly.
