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Pakistan

Pakistani Rupee (PKR)

39
Moderate
Risk
#57
of 171
Riskier
than 67% of currencies
36
global avg score
$840
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 5.0% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓

Economic Indicators

Inflation Rate
3.5%
Debt to GDP
55.0%
GDP Growth
3.7%
Broad Money / GDP
40.9%

Banking & Stability

NPL Ratio
5.4%
Reserve Months
3.8
Current Account
-0.1%
FX Volatility
4.6

Governance & Markets

Rule of Law
-0.7
Black Market Premium
5.0%
Capital Controls
63.0
Peg Fragility
Not available

Currency Structure

Global Currency Role
70.0
FX Regime
managed float
Data Coverage
92.0%

Savings Impact Calculator

₨
Holding cash in PKR3.5% inflation
₨840−₨160 (16% purchasing power lost)
Your ₨1,000 buys 16% less in 5 years
What if you invested ₨1,000 instead? (5yr, in PKR terms)
USD-denominated assets gain an additional ~0.5%/yr from expected PKR depreciation vs USD
Hold USD Cash
₨883
−₨117
-2.5%/yr net in PKR
S&P 500
₨1651
+₨651
range: ₨755–₨3245
10% USD return + 0.5% FX · ±16% vol
Gold
₨1507
+₨507
range: ₨432–₨4091
8% USD return + 0.5% FX · ±24% vol
Bitcoin
₨3119
+₨2119
range: ₨187–₨18.7k
25% USD return + 0.5% FX · ±54% vol

All values in PKR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.5%/yr based on the inflation differential between Pakistan (3.5%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Data last updated: 2026-10-02

Note: World Bank does not cover this country directly. Data sourced from national statistics and IMF estimates.

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