Auto financing in Pakistan rises to Rs328bn in January

February 16, 2026 (MLN): Automobile financing in Pakistan increased to Rs328bn in January 2026, up 2.79% month-on-month (MoM) from Rs319.08bn in December 2025, according to the latest data released by the State Bank of Pakistan (SBP).

On a year-on-year (YoY) basis, car financing surged by 35.76%, compared with Rs241.6bn in the same period last year.

According to SBP data, consumer financing for house building stood at Rs221.95bn by the end of January 2026, up 11.02% YoY. On a monthly basis, housing finance inched up 0.75% from Rs220.31bn in the previous month.

Meanwhile, financing for personal use reached Rs274.86bn, reflecting an increase of 8.66% YoY and 2.56% MoM.

As a result, overall credit disbursed to consumers rose 20.55% YoY to Rs1.02tr. Compared with Rs997.94bn in the previous month, consumer financing posted a 1.99% MoM increase.

The central bank’s data further showed that outstanding credit to the private sector grew 6.56% YoY to Rs10.34tr in January 2026. However, on a sequential basis, private sector loans declined 3.09% MoM from Rs10.67tr in December.

Within private sector credit, loans to the manufacturing sector stood at Rs5.64tr during the review period, down 0.8% YoY and 3.74% MoM.

Borrowing by the construction sector amounted to Rs215.81bn in January, rising 1.54% YoY but falling 1.61% MoM.

The data also showed that loans to the agriculture, forestry, and fishing sectors increased to Rs601.35bn in the month under review, up 36.25% YoY, while declining 2.68% MoM on a sequential basis.

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