Auto financing in Pakistan rises to Rs305bn in September

October 16, 2025 (MLN): Automobile financing in Pakistan has increased to Rs304.77bn in September 2025, witnessing a rise of 3.64% MoM compared to Rs294.08bn recorded in August 2025, according to the latest data released by the central bank.

On a year on year basis, car financing went up by 33.94%, as in the same period last year, the figure for financing was reported at Rs227.54bn.

Going by the data provided by the State Bank of Pakistan (SBP), consumer financing for house building stood at Rs212.67bn by the end of September 2025, up by 5.39% YoY.

Month-wise, the financing for house building has increased by 0.65% compared to Rs211.29bn incurred in the previous month.

Meanwhile, financing for personal use clocked in at Rs262.99bn, up by 9.28% YoY while down 0.18% MoM.

Thereby, the overall credit disbursed to consumers registered a rise of 18.92% YoY to clock in at Rs962.34bn. Compared to the credit of Rs946.32bn in the previous month, consumer financing has recorded a 1.69% MoM rise.

The data released by the central bank further showed that outstanding credit to the private sector rose 14.74% YoY to Rs9.68tr in September 2025.

On a sequential basis, private sector loans reported a rise of 2.1% MoM compared to the credit of Rs9.48tr in August.

Under the credit to the private sector, the loans to the manufacturing sector clocked in at Rs5.25tr in the review period, up by 10.93% YoY and 2.2% MoM.

The borrowing from the construction sector stood at Rs213.65bn in September, up by 3.97% YoY while down 0.1% MoM.

Going forward, the data further shows that loans to the agriculture, forestry, and fishing sectors rose to Rs542.82bn in the month under review, up by 36.64% YoY, and on a sequential basis, the loans to the same sector recorded growth of 5.35% MoM.

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