Pakistan is going to get another big loan. On Wednesday (October 15, 2025), the Pakistani government and the International Monetary Fund (IMF) reached agreement on a staff-level agreement (SLA) on loan programs, paving the way for Pakistan to access a loan of US $ 1.2 billion.

According to PTI report, IMF will give one billion US dollars to Pakistan under its Extended Fund Facility (EFF) and after approval from the Executive Board of IMF, Pakistan will also be given $200 million under Resilience and Sustainability Facility (RSF). In this way he is going to get a total of 3.3 billion dollars.

The IMF mission led by Eva Petrova completed negotiations last week with Pakistani officials on the second review of the EFF agreed in 2024 and the first review of the RSF climate loan agreed this year. However, the mission returned from Pakistan without signing the staff level agreement.

Eva Petrova said in a statement issued on Wednesday (October 15, 2025) that the staff-level agreement is subject to the IMF’s Executive Board for approval. “With EFF’s support, Pakistan’s economic program is strengthening macroeconomic stability and regaining market confidence,” he said.

Noting the progress made on Pakistan’s policy priorities, he said, ‘Officials reaffirmed their commitment to EFF and RSF-supported programs and to maintaining sound and prudent macroeconomic policies while pursuing ongoing structural reforms.’

He said the State Bank of Pakistan (SBP) is committed to a prudent monetary policy stance to ensure that inflation remains within the target range of 5-7 per cent. On the issue of cyclical debt for the power sector, Eva Petrova said Pakistan is committed to curbing its accumulation through timely tariff adjustments, which will ensure cost recovery and maintain a progressive tariff structure.

Pakistan, which is facing poverty, starvation and economic crisis, has once again pleaded with the International Monetary Fund (IMF) for a new debt. The Mission of IMF will remain in Pakistan for two weeks and will see if Pakistan is improving its economy. If the mission seems to improve, then it will give a new loan to Pakistan.

Pakistani newspaper The Dawn said on Tuesday (September 30, 2025) that the IMF mission held a formal meeting with Pakistan’s economic party. It reviewed the implementation of seven billion dollars loans and $ 1.1 billion facility.

According to the news, this meeting was held at a time when the performance of the program has been mixed by the end of June 2025 (which is under review). In the IMF, a team led by Pakistan’s mission head Eva Petrova met the Pakistani delegation led by Finance Minister Mohammad Aurangzeb on Monday.

The meeting was attended by prominent economic stakeholders, including Governor, Finance Secretary and Chairman of the Board of Federal Revenue (FBR), State Bank of Pakistan. The mission will remain in Pakistan for about two weeks and will review the implementation of an extended financing facility (EFF) of seven billion US dollars and a flexible and stable facility (RSF) of US $ 1.1 billion.

The report stated that the Government of Pakistan has asked the IMF mission to take into account the damage in the flood, but sources said that the review is based on the goals before the flood. Due to this, the government is accountable about the demonstrations till the end of June-2025. However, it can be considered later on exemption on the damage caused by floods. The report said that if this meeting is positive, then next month Pakistan will be eligible for the distribution of about $ 1 billion.

The IMF gave a loan of one billion dollars to Pakistan in May this year. The IMF had put several conditions in front of Pakistan before giving this loan, including carbon levy. Apart from this, the conditions of improvement in electricity fees from time to time and improvement of water prices were also included at many levels.

Pakistan Get Loan from China: Pakistan’s economic condition has been in critical condition for the last few years. Foreign exchange reserves are continuously decreasing, inflation is at a height and the balance of import-export is continuously deteriorating. In such a situation, the country is constantly looking towards international lenders to support its economy.

Due to the strict conditions of the IMF (International Monetary Fund), Pakistan was required to maintain a minimum foreign exchange reserves of $ 14 billion, which was to be completed by 30 June 2025. In view of this deadline, China has come forward and helped Pakistan by giving a loan of $ 3.4 billion. This amount is not just a economic cooperation but also a diplomatic message that China still remains a strategic and economic partner of Pakistan.

Additional assistance received from middle East and other sources
According to the report of Reuters, not only China, but other commercial taxpayers of the Middle East have also come forward in the help of Pakistan. Overall, Pakistan has received an additional $ 1 billion additional loan from commercial sources of the Middle East, while around $ 500 million has been raised from multilateral funding agencies.

The main objective of these efforts is to meet the prescribed conditions of the IMF and increase the foreign exchange reserves to a respectable level. This funding is like a lifeline for Pakistan, because it will not only provide short -term relief to the country, as well as a positive message will go to the international market.

IMF assistance and India’s concerns
Recently, IMF has also given a loan of one billion dollars to Pakistan, which India has expressed its concern about. India believes that this debt can be used to nurture terrorism crossing border. Despite this, the IMF clarified that Pakistan had fulfilled all the prescribed conditions to get a loan. It is necessary to clarify here that the help of IMF is only based on economic data and not on geopolitical anxiety, but India’s concern is not unfounded. Pakistan uses this money in army work.

Will Pakistan be crossed?
A loan of $ 3.4 billion is an immediate relief, but this is not a permanent solution. This loan will be used to stabilize foreign exchange reserves, pay loans and control imports, but can it ensure long -term economic growth? On this, analysts believe that if Pakistan does not pay attention to internal economic reforms, then the dependence of foreign debt will become a permanent problem. Increasing tax base, promoting exports and controlling corruption will be a permanent solution for Pakistan.

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Pakistan’s economic condition has become so bad that it has to beg for debt every month. Now he is going to get a loan of $ 544 million again. For this, he had appealed to the World Bank (World Bank) and Asian Development Bank (ADB), which has received approval. This loan has been taken by Pakistan in the name of education, strengthening women financially and empowering them.

The World Bank has approved a $ 194 million loan for Pakistan on Wednesday (June 25, 2025) and signed a $ 350 million loan agreement with ADB to promote women’s financial inclusion and economic empowerment.

According to the report of Pakistani news channel Sama TV, Pakistan has received this loan under two projects from the World Bank, which will be used to give children new opportunities for education in Balochistan province and to strengthen water security. World Bank director Negi Beheshin in Pakistan said that the objective of the project is to improve education system for children deprived of education in Balochistan.

Negi Beheshin also said that the water security project will help Balochistan to deal with climate change. The World Bank also says that the infrastructure in Balochistan and investment on human development will create employment opportunities in the province.

According to the report of Radio Pakistan, the agreement was signed by Additional Secretary of Economic Affairs Division, Sabina Qureshi and Project Administration Unit chief Dinesh Raj Shivkoti on Tuesday.

The report said, “This program will provide sufficient opportunities to women to create better access to financial services, expand business opportunities and create new employment opportunities.” WIF sub-program-2 focuses on four major improvement areas. This includes creating capable policy and regulatory environment for financial inclusion of women, enhancing finance for women, strengthening women’s entrepreneurship capacity and promoting inclusive and justified workplaces within the financial sector.

Radio Pakistan said that this agreement also shows the commitment of the Government of Pakistan to make women an active part of the national economy. With this initiative, not only women will be financially empowered, but it will also pave the way for their more inclusive, justified and prosperous future.

According to the Economic Survey 2024-25 released on 9 June, Pakistan’s total debt has increased to 76,000 billion Pakistani rupees in the first nine months of the current financial year. From this, it is estimated that in the current financial year, Pakistan’s economy will be able to increase at the rate of only 2.7 percent.

Pakistan and International Monetary Fund (IMF) signed a seven billion dollar external fund facility (IFF) loan agreement last year. Pakistan has received two installments so far, the second installment was distributed in May this year.

Pakistan has got another big loan after a month. In the plight that Pakistan is going through, it is also difficult for the people there to meet everyday needs. Pakistan reached the United Arab Emirates to overcome this economic crisis, where five banks together have given it a loan of one billion dollars for five years.

According to news agency PTI, Pakistan has signed a five -year ‘syndicated term finance’ of a billion US dollar. Syndicated term finance is a kind of loan in which two or more banks or financial institutions together provide this to the same borrower (individual, company or government).

The Pakistani Finance Ministry issued a statement on Wednesday (June 18, 2025), stating that Dubai Islamic Bank, Standard Chartered Bank, Abu Dhabi Islamic Bank, Sharjah Islamic Bank, Ajman Bank and HBL together gave a loan of one billion dollars to Pakistan. According to the ministry, Dubai Islamic Bank served as the only Islamic global coordinator, while Standard Chartered Bank was its leading manager. Other fundamentals include Abu Dhabi Islamic Bank, Sharjah Islamic Bank, Ajman Bank and HBL.

The statement said the statement, the Finance Ministry has signed a partially guaranteed 100 million syndicated term finance facility of the ADB (Asian Development Bank) program ‘Advanced Resource Collection and Use Reforms.’

The ministry said that the government successfully entered the West Asia financial market after nearly two and a half years which indicates the new trust of the market in fiscal stability and overall improvement in Pakistan’s comprehensive economic indicators. This transaction also symbolizes the introduction of a new partnership of the Government of Pakistan with banks in West Asia.

Khurram Shahzad, Advisor to Finance Minister, wrote on the social media forum X, ‘Pakistan has received historical financing of one billion US dollars with the strong support of ADB -backed guarantee and strong support from West Asia banks.’ Earlier this month, the Philippine -based bank approved a US $ 80 million program to strengthen fiscal stability in Pakistan and improve public financial management.

With the help of Pakistan International Monetary Fund, insolvency in 2023-24 survived narrowly. After this, last year it worked to stabilize its economy with good results. In the first 11 months of the current financial year ending June 30, it recorded a current account surplus of US $ 1.8 billion which helped it to gain confidence of lenders. Pakistan follows the financial year from July 1 to June 30.

Pakistan economic survey: The condition of Pakistan, which is running on debt, is getting worse from day to day. Pakistan spends loans from all over the world and spends on terrorism instead of developing its people and the country, which the whole world has seen. The economic survey issued by Pakistan has revealed that the debt of the neighboring country has reached the highest level since now. This has deepened the crisis on Pakistan’s financial situation. Pakistan Finance Minister Muhammad Aurangzeb released his country’s Economic Survey 2024-25 on Monday (9 June 2025).

How much was Pakistan’s debt till March 2025?

According to the CNN18 report, Pakistan has said that by 31 March 2025, its total debt has reached 76,007 billion Pakistani rupees (76 trillion), which is the highest debt in its history. This means that this debt in Indian rupee is 23.1 trillion rupees and US $ 269.344. This debt of Pakistan has almost doubled in the last four years, because in 2020-21 this debt was Rs 39,860 billion rupees. Whereas in the last 10 years, this debt has increased almost five times.

Pakistan’s GDP growth will be reduced

The economic survey released by the Government of Pakistan states that Pakistan’s GDP growth for the first quarter of FY 2025 will be 1.37 percent, the second quarter 1.53 percent and 2.4 percent in the third quarter. This is happening for the third consecutive year when Pakistan’s GDP growth will be very low.

Pakistan spreads hands in front of friendly countries

Pakistan spreads hands to seek relief package in front of international organizations as well as allies. Pakistan Prime Minister Shahbaz Sharif even said that when we go to a friend country or call, he feels that we have come to him to ask for money. He had also said earlier that small economies have also surpassed Pakistan and we have been wandering with a bowl of begging for the last 75 years.

India has been raising the issue in front of the IMF and the World Bank that Pakistan is misusing the assistance of the world to fulfill the objectives of terrorism against India. According to the World Bank, India has taken out its people in record numbers from poverty. At the same time, about 45 percent of Pakistan’s population is spending its life in poverty, while 16.5 people live in extreme poverty.

Pakistan Foreign Loan: Pakistan received a foreign loan and grant of $ 16.08 billion in the first 10 months of 2024-25, while the annual target was $ 19.2 billion till 30 June. In this, China, Saudi Arabia and UAE have been its biggest help, from which he got half. This information was given by the Division of Economic Affairs (EAD) on Friday (May 23, 2025).

According to Pakistani news paper Dawn, EAD said in its monthly report on Foreign Financial Assistance (FEA) that the FEA was $ 6.086 billion in July-April as against its annual target of $ 19.4 billion, compared to $ 6.086 billion, compared to $ 7.142 billion and annual target in the same period last year. It does not include $ 1 billion from IMF. It also does not include an investment of $ 1 billion by IMF last week.

How many help from China, Saudi Arabia and UAE

With three rollover and new distribution, Pakistan has received a total external assistance of $ 16.08 billion. This included Saudi Arabia’s 3 billion, UAE 2 billion and China’s $ 3 Balian. Pakistan has a total annual rollover portfolio in the form of safe deposits and loans from these three countries, which has reduced the country’s net international reserves (NIR) to about $ 3.3 billion.

Foreign financial assistance recorded by the EAD has revealed that it declined by about 15 percent to about 6.086 billion in July-April, obviously due to delay in IMF bailout. Last year, it was $ 8.2 billion including IMF.

Pakistan sit on the basis of these people?

The EAD said that in the 10 months of FY 2025, it has received a loan of about $ 706 million from foreign commercial lenders (UAE-based), which Pakistan shows a minor recovery from commercial banks last year. The government has also set a target of $ 1 billion in international bonds for the current year. For FY 25, a target of investment of $ 9 billion from China and Saudi Arabia has been kept.

He has received $ 1.61 billion from Pakistanis living abroad. At the same time, the Asian Development Bank gave him $ 1.253 billion and received $ 1.07 billion from the World Bank.

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Imf bailout package: The International Monetary Fund (IMF) has defended itself for its steps of an economic package of about Rs 8500 crore given to Pakistan. It said on Thursday that the IMF board has reviewed on May 9 and Pakistan has fulfilled all the conditions to get a loan and expressed satisfaction on it. That is, this means that now Pakistan can be given more economic package.

It is part of a total of $ 7 billion IMF program- Extered Fund Facility (EFF) in September 2024, in which Pakistan has been given $ 2.1 billion so far. During the conference, the IMF said that it is part of the entire process to regularly investigate, so that it can be ascertained whether the concerned country is following those conditions.

In response to a question of Business Today TV, the IMF said that our board is satisfied in the case of Pakistan that Pakistan has fulfilled all the conditions.

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Pakistan has got another relief package from the International Monetary Fund (IMF), but instead it has to accept 11 new and strict conditions. According to a report by Express Tribune, IMF has allowed Pakistan to release $ 1 billion immediately, so that Pakistan has received a total amount of $ 2.1 billion so far. Along with this, IMF has also approved the $ 1.4 billion resilience and sustainability facility (RSF) for Pakistan.

Indo-Pak stress became a matter of concern for IMF

The IMF report clearly states that if the tension between India and Pakistan increases or persists for a long time, it may have a bad effect on the financial, external and improvement targets of this relief program. In such a situation, maintaining stability for Pakistan’s economy can be even more challenging.

What are the 11 new conditions of the IMF?

Now the matter of 11 strict conditions, without which Pakistan will not get the next installment. The impact of these conditions will be clear not only on the economy, but also on the life of the general public.

1. 17.6 trillion’s new budget

The IMF has directed Pakistan to pass a new budget by June 2025, which is in line with the fiscal targets of the IMF. In this budget, 1.07 trillion will be for development works, 8.7 trillion expenses, 2.1 trillion primary surplus and 6.6 trillion deficit has been fixed.

2. Agriculture income tax improvement

Now there is talk of taxing on income from farming. Under this, tax return processing, taxpayer identity, registration, communication and compliance will be made. It is mandatory to implement this entire process by June 2025.

3. Governance Action Plan

The IMF has asked the Government of Pakistan to prepare an action plan by preparing an action plan on the basis of governance diagnostic assessment, which will include ways to prevent corruption and increase transparency.

4. Cash transfer according to inflation

In order to maintain the purchasing power of the people of the country, the IMF has instructed Pakistan to adjust the cash transfer program every year according to inflation.

5. Financial strategy after 2027

Pakistan will have to make and publish a plan for the financial strategy after 2027, which will be described as a regulatory structure after 2028.

6. Annual amendment in electricity rates

Prior to 1 July 2025, Pakistan will have to notify the annual amendment of electricity rates so that the rates can be maintained according to the cost.

7. half -yearly amendment in gas tariff

The IMF has directed that by February 2026, Pakistan will have to notify half -yearly amendment in gas rates.

8. Captive Power Levi Law

Pakistan’s Parliament will have to pass a permanent law by the end of May 2025 to transfer the industrial energy to the national grid.

9. Debt service surcharge removal

Pakistan will have to enact a law so that the maximum limit of 3.21 per unit imposed on electricity consumers can be removed, so that the burden of power sector does not fall on honest consumers.

10. Eliminating technology zone incentives

The IMF has asked Pakistan to prepare a plan to completely eliminate all tax benefits given to special technology zones and industrial areas by 2035.

11. Bill on import of old trains

Pakistan will have to introduce a bill in Parliament with a list of all types of quantitative restrictions on imports of old old trains less than 5 years old by the end of July 2025.

Will the terms of IMF overshadow the Pakistani public?

These conditions of IMF will definitely give economic relief to Pakistan, but this can cause a big burden on the general public in the form of inflation, tax and energy rates. It will be interesting to see whether Pakistan will be able to fulfill these strict conditions or will they break its internal politics and patience.

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