Total Debt of Pakistan 2025 June Update Announced By the State Bank of Pakistan
Pakistan’s total loan, covering both domestic and external borrowings, has soared to approximately PKR 76 trillion (around $304 billion) by the end of March 2025. Domestic loan makes up around PKR 52 trillion, with external obligations at roughly PKR 24 trillion.
Breakdown of Pakistan’s Loan
1. Domestic Loan
Pakistan has borrowed nearly PKR 52 trillion from local sources like commercial banks. As of January 2025, loans to local individuals and businesses were around $52 billion.
2. External Loan
By March 2025, Pakistan’s external loan had reached approximately $130 billion. This includes loans from the IMF, World Bank, China, and other global lenders.
Why Pakistan’s Loan Situation Is Important
- Pakistan must repay a large amount of loans, which puts pressure on the country’s finances.
- Around $22 billion in foreign loans are due in 2025.
- High loan repayments reduce funds for education, healthcare, development, and job creation.
Recent Loans Taken in 2025
- Pakistan has so far received $2.1 billion from the IMF in 2025 as part of an ongoing loan assistance program.
- In June 2025, the government arranged PKR 1.27 trillion (around $4.5 billion) in Islamic financing from local banks to help reduce electricity sector loan issues.
- The World Bank has committed a $20 billion long-term support package to Pakistan, focusing on key areas such as clean energy, education, and climate change resilience.
Challenges and Risks Ahead
- Even though Pakistan’s economy is growing slowly (GDP growth is around 2.7%), the country still faces serious loan repayment challenges.
- Without proper reforms like reducing unnecessary government spending, improving tax collection, and fixing state-owned companies, the loan problem may increase.
Loan on Single Person
As of end-March 2025, Pakistan’s total public loan (combined domestic and external) stood at approximately PKR 76 trillion.
Using an estimated population of 255 million for 2025:
- Per capita loan = 76 trillion PKR ÷ 255 million people
- ≈ PKR 298,000 per person, which is about $1,100 each.
Pakistan Loan Summary Table
| Loan Type | Amount (PKR) | Amount (USD) |
|---|---|---|
| Total Public Loan | ≈ 76 Trillion | ≈ 304 Billion |
| Domestic Loan | ≈ 52 Trillion | ≈ 209 Billion |
| External Loan | ≈ 24 Trillion | ≈ 91–130 Billion |
Conclusion
Pakistan’s total loan in 2025 has reached an all-time high, marking the largest borrowing level in the country’s history. To move toward financial stability, the government must manage its loans carefully, bring strong economic reforms, and continue working with global partners like the IMF and World Bank. If done right, Pakistan can reduce its loan burden and build a more stable future.
