Pakistan’s private sector has witnessed a significant revival in investment and commercial activity, driven by economic stabilization policies and increased access to institutional credit during the fiscal year 2025–26.
According to Advisor to the Ministry of Finance Khurram Shehzad, credit off-take by the private sector expanded by nearly 15 percent in FY 2025–26—reaching a four-year high—reflecting growing investor trust, expanding industrial capacity, and a shift toward sustainable, investment-led growth.
Key Highlights of the Credit Surge:
- Record Credit Off-Take: Total private sector credit grew by Rs 1.46 trillion in FY 2025–26, pushing the overall portfolio to Rs 11.38 trillion.
- Focus on Productive Sectors: Approximately 89 percent of the new credit line was directed into core productive avenues, specifically manufacturing, wholesale and retail trade, and agriculture.
- Manufacturing Expansion: The manufacturing sector alone secured Rs 657 billion in new credit facilities, facilitating industrial plant expansion and operational capacity upgrades.
- Broad-Based Growth: Increased financial support for trade and agricultural sectors has further boosted domestic yield, streamlined commercial activities, and incentivized private capital investment.
📊 Fact-Sheet Summary
- Official Source: Khurram Shehzad (Advisor to the Ministry of Finance).
- Metric: Private Sector Credit Growth (FY 2025–26).
- Growth Rate: ~15% YoY (4-Year High).
- Net Credit Expansion: Rs 1.46 Trillion.
- Total Outstanding Credit: Rs 11.38 Trillion.
- Major Recipient: Manufacturing Sector (Rs 657 Billion; 89% total directed to manufacturing, trade, & agriculture).
