Auto financing in Pakistan rises to Rs318bn in November
MG News | December 17, 2025 at 04:34 PM GMT+05:00
December 17, 2025 (MLN): Automobile financing in
Pakistan has increased to Rs318.03bn in November 2025, witnessing a rise of
0.83% MoM compared to Rs315.4bn recorded in October 2025, according to the
latest data released by the central bank.
On a year-on-year basis, car financing increased by 35.54%,
as in the same period last year, the figure for financing was reported at
Rs234.64bn.
This decline is mainly attributed to higher interest rates,
an increase in car prices, regulative curbs for acquiring loans, and higher
taxes on the import of automobiles and their parts.
Going by the data provided by the State Bank of Pakistan
(SBP), consumer financing for house building stood at Rs214.32bn by the end of
November 2025, up by 7.05% YoY.
Month-wise, the financing for house building has decreased
by 0.53% compared to Rs215.47bn incurred in the previous month.
Meanwhile, financing for personal use clocked in at
Rs268.85bn, down by 6.33% YoY while up 0.57% MoM.
Thereby, the overall credit disbursed to consumers
registered a rise of 13.99% YoY to clock in at Rs987.2bn. Compared to the
credit of Rs980.26bn in the previous month, consumer financing has recorded a
0.71% MoM rise.
The data released by the central bank further showed that
outstanding credit to the private sector dropped 0.42% YoY to Rs9.86tr in
November 2025.
On a sequential basis, private sector loans reported a rise
of 1.57% MoM compared to the credit of Rs9.7tr in October.
Under the credit to the private sector, the loans to the
manufacturing sector clocked in at Rs5.31tr in the review period, down by 7.78%
YoY while up 0.93% MoM.
The borrowing from the construction sector stood at
Rs203.18bn in November, up by 0.15% YoY and 2.56% MoM.
Going forward, the data further shows that loans to the
agriculture, forestry, and fishing sectors rose to Rs551.51bn in the month
under review, up by 26.85% YoY, and on a sequential basis, the loans to the
same sector recorded growth of 7.73% MoM.
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