Pakistan

Pakistani Rupee (PKR)

Moderate
Risk

#55

of 171

Riskier

than 68% of currencies

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

4.3

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

Amount saved (PKR)

₨

Time horizon

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: 2026-08-17

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

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