Automobile financing in Pakistan reached Rs294.08 billion in August 2025, marking a 2.95% month-on-month (MoM) increase compared to Rs285.64 billion in July 2025. On a year-on-year (YoY) basis, car financing saw a significant rise of 29.38%, up from Rs227.3 billion in the same period last year.
The increase in automobile financing comes despite challenges such as higher interest rates, increased car prices, stricter regulations for acquiring loans, and higher taxes on imported automobiles and parts.
In other consumer financing sectors, house building financing stood at Rs211.29 billion by the end of August, up 4.39% YoY, with a 1.35% MoM increase. Personal financing reached Rs263.47 billion, reflecting a 10.44% YoY rise and a slight 0.07% MoM increase.
Overall consumer credit disbursed reached Rs946.32 billion, marking a 17.71% YoY increase and a 1.87% MoM rise compared to Rs928.94 billion in July 2025.
The data also showed that outstanding credit to the private sector rose 15.05% YoY, totaling Rs9.48 trillion in August 2025. On a MoM basis, private sector loans remained unchanged.
Loans to the manufacturing sector stood at Rs5.14 trillion, up by 10.88% YoY but down by 1.08% MoM. The construction sector borrowed Rs213.87 billion, up 11.32% YoY, but down 1.04% MoM.
Additionally, loans to the agriculture, forestry, and fishing sectors rose to Rs515.23 billion, up by 30.29% YoY, with a 0.53% MoM increase.
