The Financial Infrastructure of Pakistan

The Financial Infrastructure of Pakistan: A Comprehensive Overview (2025)

(Research and data compiled by Abdullah Mahmood. Errors, if any, are due to omission.)

Introduction

Pakistan's financial infrastructure in 2025 is a complex and evolving system that includes a wide range of institutions, regulatory bodies, and digital innovations. Over the past decade, the country has made significant progress in expanding financial inclusion, promoting Islamic banking, and developing secure, tech-driven solutions. This comprehensive overview explores all key sectors of Pakistan's financial system, including commercial banking, Islamic finance, digital payments, SME financing, remittances, monetary policy, fintech, and regulatory structures.

Banking Sector Overview

Structure and Composition

As of mid-2024, Pakistan’s banking sector includes 55 banks and Development Finance Institutions (DFIs), operating through more than 18,450 branches. The sector has demonstrated robust growth, with an 11.5% expansion in the first half of 2024, largely driven by asset growth, increased investments in government securities, and a surge in deposits.

Profitability and Asset Quality

In 2023, the banking sector's after-tax profit rose to Rs. 642.2 billion, nearly double the previous year's earnings, largely due to the high policy rate and increased returns on government securities. Non-performing loans (NPLs) remained under control, with a slight increase, while the provisioning coverage ratio improved to 105.3% by June 2024. This reflects banks' prudent risk management and stronger balance sheets.

Capital Adequacy and Solvency

The Capital Adequacy Ratio (CAR) improved from 17.8% in 2023 to 20.0% in mid-2024. This increase indicates a well-capitalized banking sector capable of absorbing shocks. The adoption of IFRS-9 and stronger supervisory mechanisms by the State Bank of Pakistan (SBP) have further enhanced the sector's solvency.

Islamic Banking

Growth and Market Share

Islamic banking in Pakistan has grown rapidly. By the end of 2024, Islamic banking assets reached nearly Rs. 10 trillion and deposits crossed Rs. 8 trillion. There are now over 4,500 Islamic banking branches across the country. The market share of Islamic banking in total assets stands around 22%, showing strong public demand for Shariah-compliant products.

Regulatory Developments

Following the Federal Shariat Court’s ruling in 2022 to eliminate Riba (interest) from the economy, a constitutional amendment was passed in 2024, targeting a fully interest-free financial system by January 1, 2028. The SBP has issued multiple guidelines to streamline Islamic finance, including a mandate that Islamic banks must pay at least 75% of gross yield as profit on savings deposits.

Financial Inclusion and Digital Transformation

National Financial Inclusion Strategy (NFIS)

The NFIS was launched in 2015 with the target of increasing formal financial account ownership among adults from 16% to 75% by 2028. As of 2023, the inclusion rate had reached 64%. The strategy focuses on improving access to financial services for women, rural populations, and youth. Key pillars include digital payments, rural financing, SME access, and consumer protection.

Digital Payment Systems

Pakistan has made tremendous progress in digital finance. The Raast payment system, launched by SBP, now facilitates peer-to-peer (P2P) and person-to-merchant (P2M) transactions. As of early 2025, SBP mandated that all e-commerce platforms and major payment gateways integrate with Raast P2M. Leading players like Payfast, 1Link, and Easypaisa are already integrated. This digitization helps reduce cash dependency and supports the formal economy.

Remittances and Cross-Border Integration

Remittances are a key pillar of Pakistan’s foreign exchange earnings. In 2024, remittance inflows from abroad crossed $35 billion. To enhance efficiency, SBP signed an MoU with the Arab Monetary Fund to integrate Raast with the “Buna” regional payment system, making remittance flows from GCC countries faster, safer, and cheaper.

Small and Medium Enterprises (SMEs)

Financing Initiatives

SMEs contribute nearly 40% to Pakistan’s GDP and employ over 80% of the non-agricultural labor force. To promote SME financing, SBP revised exposure limits in 2023 and introduced a risk-sharing scheme that offers partial credit guarantees. The goal is to double SME lending to Rs. 1.1 trillion by 2029. SBP has also allowed simplified KYC procedures for smaller enterprises.

Challenges

Despite these measures, SMEs face difficulties in accessing affordable credit due to high interest rates and collateral requirements. Furthermore, financial literacy and limited formal documentation remain major hurdles.

Non-Bank Financial Institutions (NBFIs)

Growth and Diversification

NBFIs include leasing companies, investment banks, housing finance companies, and modarabas. These institutions are playing an increasingly important role, particularly in real estate and consumer financing. In 2021, growth in NBFIs stood at 190%, and the trend continued into 2023-24 with diversification into agri-finance and micro-mortgages.

Microfinance Sector

Microfinance has seen strong growth with providers like Khushhali Bank, FINCA, and U Microfinance Bank expanding their reach. The sector caters to underserved populations in rural areas and supports small entrepreneurs. Innovative digital lending products and mobile wallet integration have helped microfinance institutions (MFIs) increase their outreach in remote regions.

Regulatory Framework and Supervision

Legal and Regulatory Environment

The regulatory environment is governed primarily by the State Bank of Pakistan Act, 1956; the Banking Companies Ordinance, 1962; and the Microfinance Institutions Ordinance, 2001. These laws establish a strong framework for the licensing, supervision, and governance of banks and financial institutions. Pakistan has also adopted international standards such as Basel III.

Supervisory Measures

To address emerging risks, SBP has established dedicated departments such as the Cyber Risk Management Department (CRMD) and the Financial Institutions Resolution Department (FIRD). These units monitor cybersecurity and ensure timely intervention for distressed institutions, respectively.

Monetary Policy and Interest Rates

Policy Rate Adjustments

In 2023, Pakistan maintained a high policy rate of 22% to manage inflationary pressures. However, by the end of 2024, the rate was gradually brought down to 13% to stimulate growth and support credit expansion. This easing cycle was aligned with declining inflation and currency stabilization.

Impact on Deposits and Lending

The high-interest rate environment during 2023-24 encouraged deposit growth, reaching Rs. 31.4 trillion by November 2024. However, private sector lending remained sluggish, partly due to high borrowing costs and economic uncertainty.

Fintech Ecosystem

Growth and Innovation

Fintech startups have expanded rapidly in Pakistan, offering digital wallets, peer-to-peer lending, wealth management apps, and e-commerce payment solutions. By 2025, there are over 250 active fintech firms. Popular platforms include Easypaisa, JazzCash, Nayapay, and SadaPay. These firms are helping bring banking services to the unbanked and underbanked populations.

Digital KYC and E-Money Institutions

SBP introduced a digital Know-Your-Customer (KYC) framework that allows banks and fintechs to open accounts via mobile apps and biometrics. Several Electronic Money Institutions (EMIs) have been licensed and are offering innovative services such as prepaid cards, utility bill payments, and budget planning tools.

Insurance and Takaful Sector

Conventional and Islamic Insurance

Pakistan’s insurance penetration remains low at around 0.9% of GDP. However, the sector is gradually expanding, with a growing preference for Islamic insurance (Takaful). The Securities and Exchange Commission of Pakistan (SECP) regulates this sector and has introduced digital insurance models to boost coverage and efficiency.

Pension and Capital Markets

The National Savings Scheme (NSS), Voluntary Pension Schemes (VPS), and Employees Old-Age Benefit Institution (EOBI) form the backbone of Pakistan’s pension system. Meanwhile, the Pakistan Stock Exchange (PSX) has launched new products like ETFs and Sukuk listings to attract investors. Capital market reforms are being implemented to boost transparency and liquidity.

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AI in Pakistan's IT

In 2025, Pakistan's Information Technology landscape is undergoing significant transformation, driven by advancements in Artificial Intelligence (AI) and related technologies. These developments are reshaping various sectors, from business operations to education and public services.

Artificial Intelligence Integration

AI has become a cornerstone of technological progress in Pakistan. Businesses are increasingly adopting AI-driven solutions to enhance productivity and efficiency. This includes the use of AI in automating routine tasks, analyzing large datasets for informed decision-making, and improving customer service through intelligent chatbots. The growing reliance on AI is evident across industries such as finance, healthcare, and manufacturing.

Generative AI Expansion

Generative AI, a subset of artificial intelligence that focuses on creating new content, is gaining traction. Applications range from generating human-like text and images to composing music and designing products. The market for Generative AI in Pakistan is projected to reach approximately US$162.40 million in 2025, with an anticipated annual growth rate of 41.52% leading up to 2030. This rapid expansion highlights the increasing demand for AI-driven creative solutions in the country.

Quantum Computing Emergence

Quantum computing is emerging as a transformative technology in Pakistan's IT sector. Leveraging the principles of quantum mechanics, quantum computers offer the potential to solve complex problems at unprecedented speeds. Although still in the developmental phase, quantum computing is expected to revolutionize fields such as cryptography, optimization, and material science, prompting IT professionals to prepare for its broader implementation.

5G Network Deployment

The rollout of 5G networks is set to revolutionize connectivity in Pakistan. With significantly higher data transfer speeds and reduced latency, 5G technology will enhance the performance of internet-connected devices. This advancement is expected to accelerate the adoption of Internet of Things (IoT) devices, smart city initiatives, and advanced communication services, thereby fostering innovation across various sectors.

Educational Initiatives in AI

Recognizing the importance of AI education, initiatives are underway to equip the workforce with relevant skills. UNESCO has launched a MasterClass series in Pakistan, focusing on harnessing AI for sustainable development. These educational programs aim to bridge the knowledge gap and prepare professionals to effectively utilize AI technologies in their respective fields.

Challenges and Regulatory Developments

Despite these advancements, Pakistan faces challenges in its IT sector. Recent legislative measures have introduced extensive controls over social media, raising concerns about freedom of expression and the potential impact on digital innovation. Additionally, businesses have reported significant slowdowns in internet speeds, attributed to government testing of a new nationwide internet firewall. These issues underscore the need for a balanced approach that fosters technological growth while addressing security and regulatory considerations.

In summary, Pakistan's IT sector in 2025 is marked by rapid technological advancements, particularly in AI and related fields. While opportunities abound, addressing regulatory challenges and ensuring robust infrastructure will be crucial for sustaining growth and innovation in the coming years.

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Ancestors of modern Pakistanis

The people of Pakistan come from a variety of backgrounds, shaped by centuries of migration, settlement, and invasion. Here's an overview of where the ancestors of modern Pakistanis came from:

Indus Valley People

The original inhabitants of the region lived during the time of the ancient Indus Valley Civilization, which was based in what is now Pakistan. These people are considered the ancestors of some modern-day Pakistanis, particularly in Sindh and Punjab.

Aryan Migrations

Around 1500 BCE, Indo-Aryan people migrated from Central Asia into the subcontinent. These Aryan migrants mixed with the local populations and became the ancestors of many ethnic groups in Pakistan, especially in Punjab and Khyber Pakhtunkhwa.

Dravidian Influence

Some ancient Dravidian populations, who lived in the subcontinent before the arrival of the Aryans, also contributed to the ancestry of modern-day Pakistanis. This influence is particularly found in southern parts of Pakistan like Sindh and Balochistan.

Persian and Central Asian Ancestry

Over centuries, Persian and Central Asian groups migrated into the region, especially during the time of the Achaemenid and Sassanid Empires, and later under rulers like the Ghaznavids and Ghurids. Many people in Balochistan and the Pashtun areas trace their ancestry to these groups.

Arab Influence

When Islam arrived in the 7th century, Arab traders and warriors settled in parts of modern-day Sindh, adding to the local gene pool, especially among the Sindhi population.

Turkic and Mongol Ancestry

Turkic and Mongol ancestry became part of the region’s history through invasions by the Ghaznavids, Ghurids, and later the Mughals. Many people in northern Pakistan, particularly Pashtuns and people in Gilgit-Baltistan, have Central Asian Turkic-Mongol roots.

Pashtun and Afghan Heritage

The Pashtuns, who are believed to be of Eastern Iranian origin, form a large ethnic group in Pakistan, primarily in Khyber Pakhtunkhwa and Balochistan. Their ancestry is closely linked to Afghan and Persian peoples.

Baloch Heritage  

The Baloch people, who dominate the province of Balochistan, are thought to have origins in the Iranian plateau and have strong ties to Persian-speaking groups.

Mughal, Rajput, and Punjabi Heritage

In Punjab, many ethnic groups, including Rajputs and various tribes, claim descent from Mughal rulers, who were of Turkic-Mongol origin. Punjabi people, in general, have a mixed ancestry from Aryans, Central Asians, and local Dravidian populations.

The people of Pakistan are descendants of a mixture of ancient Indus Valley inhabitants, Central Asian Turkic and Mongol groups, Persian-Afghan settlers, and Indo-Aryan migrants, with some Arab influence, particularly in Sindh. While some groups like the Pashtuns and Baloch have distinct ethnic identities, most Pakistanis share a blended heritage shaped by centuries of migration and conquests.

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NADRA and TCS: A Tale of Frustration

I recently came back from a work trip in Türkiye, only to face a new hassle at home in Pakistan. My National Identity Card (CNIC) had expired last year, so I needed to renew it. I was thrilled to find out that now you can renew it online and get it delivered to your doorstep. Or so I thought.

NADRA, the government body responsible for issuing CNICs, chose to deliver my renewed card through TCS, a private delivery company. This is where the trouble began. It's been over a week, and TCS still hasn't delivered my card. This isn't the first time TCS has delayed deliveries. They often do this so that people are forced to visit their office and pick up their parcels themselves.

What's the point of offering a doorstep delivery service, NADRA, if it doesn't work? It's baffling why NADRA chose a private company like TCS instead of using the Pakistan Postal Service, which is a reliable national service. The Pakistan Postal Service delivers directly to your door without any issues.

This situation highlights a bigger problem in our country. Our government is filled with people who are either corrupt or just plain stupid. These officials make decisions that harm Pakistan's economy and structure. This mess with NADRA and TCS is just one example of their incompetence.

I'm amazed and disappointed. NADRA is supposed to be a trustworthy government body, but their decision to use TCS shows a lack of common sense. They should have used the Pakistan Postal Service, which has a good track record. Instead, they've chosen a company that can't do its job properly.

Pakistan is suffering because of these poor decisions made by people in power. Our government agencies are run by individuals who don't seem to care about doing their jobs well. This incompetence is damaging our country, and it's a shame!!!

This experience has been incredibly frustrating. NADRA, you need to do better. If our government bodies can't make smart choices, how can we expect our country to progress? It's high time we demand better from those who are supposed to serve us.

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Pakistan: How to stand again?

The following problems have been faced by Pakistan.. And still facing. Due to these "damning" reasons, Pakistan has gone down economically and is going down further.

•Political Instability: Pakistan has faced frequent changes in government, with military coups, martial law and the disqualification of elected leaders resulting in a lack of political stability.

•Corruption: Corruption has been a major issue in Pakistani politics, with numerous political figures being accused of embezzlement, money laundering and bribery.

•Islamist Militancy: The rise of Islamist militancy in the country has posed a significant threat to the stability and security of Pakistan, leading to major military operations in tribal areas and urban centers.

•Separatist Movements: There have been separatist movements in Pakistan, particularly in Balochistan, demanding greater autonomy and a larger share of resources for their province.

•Tensions with India: Tensions with India over the disputed region of Kashmir and other issues have been a major source of political instability in Pakistan.

•Economic Crises: Pakistan has faced numerous economic crises, including high inflation, a large trade deficit, and a shortage of foreign exchange reserves.

The Pakistani political machine will have to be unified to avoid something as bad as "DEFAULT" now. And together the following points of 'Economy Stability' have to be implemented immediately...

°Reduce government spending: The government needs to reduce its spending and control its budget deficit, which could be achieved by reducing subsidies, cutting down on public sector wages and pensions, and prioritizing spending.

°Increase revenue: The government can increase its revenue by implementing tax reforms, improving tax administration, and broadening the tax base.

°Promote economic growth: The government can promote economic growth by improving the business environment, encouraging foreign investment, and diversifying the economy.

°Implement structural reforms: The government can implement structural reforms in key sectors such as labor, education, and energy to increase productivity and competitiveness.

°Develop financial sector: The government can develop the financial sector by increasing access to credit, improving financial literacy, and promoting financial inclusion.

°Encourage international trade: The government can encourage international trade by negotiating favorable trade agreements, reducing trade barriers, and improving export promotion.

°Increase foreign aid and investment: The government can increase foreign aid and investment by improving the investment climate, promoting transparency, and reducing corruption.

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Pakistan is beautiful?

Pakistan is a country located in South Asia and is home to a diverse range of landscapes and cultural traditions. It is known for its stunning natural beauty, with a range of landscapes including towering mountain ranges, fertile plains, and deserts.

One of the most striking features of Pakistan's landscape is the Himalayan mountain range, which runs along the northern border of the country. The highest peak in Pakistan, K2, is located in this mountain range and is the second highest peak in the world. 

The mountain ranges in Pakistan are also home to some of the world's highest glaciers, including the Siachen Glacier, which is the world's second longest glacier outside of the polar regions.

Pakistan is also home to a number of beautiful beaches, including the Arabian Sea coast, which stretches for over 1,000 miles. The beaches in Pakistan offer a range of activities, including swimming, fishing, and boating.

In addition to its natural beauty, Pakistan is also home to a rich cultural heritage. The country has a diverse population with a variety of cultural traditions, including music, dance, and art. There are also many historical sites in Pakistan, including ancient forts, temples, and palaces, that showcase the country's rich history and cultural traditions.

Overall, Pakistan is a beautiful and culturally rich country with a wide range of landscapes and cultural traditions that make it an interesting and rewarding place to visit.

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what to do after collage in Pakistan

After F.Sc. most of the students are unaware of various important degrees and their scope apart from medical and engineering. Below are the options available to students along with various essential information. It is better to read till the end once and get information rather than worry.

عام طور پر ایف ایس سی کے بعد اکثر طلبہ میڈیکل اور انجنئیرنگ کے علاوہ متعدد اہم ڈگریوں اور ان کے سکوپ سے بے خبر ہو تے ہیں۔ ذیل میں مختلف ضروری معلومات کے ساتھ یہ بتایا گیا ہے کہ طلبہ کے لیے کیا کیا آپشنز موجود ہیں۔ پریشان ہونے سے بہتر ہے  ایک دفعہ آخر تک پڑھ کر کے معلومات حاصل کر لیں

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⭕ *PRE-MEDICAL*

میڈیکل کے طلبہ کے لیے آپشنز

1. MBBS

2. BDS

self practice, job

3. DVM

scope in foreign countries

4. Pharma D

scope in private sector, pharmaceutical industry, self business

5. Bachelor of science from UHS

scope in govt, private sec

6. Bs honour Ophthalmology (KE)

scope in govt, private sec, self practice

یہ ڈگری فی میل کو بہت سوٹ کرتی ہے۔

7. Bs honours optometry and orthoptics

scope in govt, private sec, self practice

یہ ڈگری فی میل کو بہت سوٹ کرتی ہے۔

BS Nursing. Only for female students

یہ نرسنگ ڈگری مختلف میڈیکل کالجز اور یونیورسٹیز میں کرائی جاتی ہے

8. Bs honours paediatric Medicine

scope in govt, private sec, self practice

9. Doctor of physiotherapy

scope in private sec, self practice

10. Bs honours Biotechnology

11. Bs honours Bioinformatic and Biotechnology.

12. Bs honours Botany

scope in govt, private sec, teaching, administration, research jobs

13. Bs Microbiology

scope in govt, private sec, teaching, administration, research jobs, Labs

14. Bs honours Zoology

scope in govt, private sec, teaching, administration, research jobs

15. Bs honours Food science

scope in govt, private sec, teaching, administration, research jobs

16. Bs honours nutrition

scope in govt, private sec, teaching, administration, research jobs

17. Bs medical nutrition and dietetics

scope in govt, private sec, teaching, administration, research jobs, self consultancy

18. Bs food science and human nutrition

scope in govt, private sec, teaching, administration, research jobs, self consultancy

19. Bs pharmaceutical chemistry

scop in private sec, manufacturing jobs

20. Bs Pharmacology

scope in govt and private sec, manufacturing jobs

21. Bs honours Medical imaging and technology

scope in govt and private sec, 100% surety of job,

21. Bs emergency and Intensive care science

scope in govt sec,

22. Bs medical laboratory technology

scope in govt, private sec, self Lab

23. Bs honours Dental technology

24. Bs honours Dental hygienic

scope in govt, private sec, self clinic

25. Bs honours cardic perfusions

scope in govt, private sec

26. Bs honours operation theatre technology

scope in govt sec, private sec

27. Bs respiratory therapy

scope in govt sec

28. Bs honours orthopaedic medicine

slef clinic

29. Bs honours imaging technology and radiography

scope in govt, private sec, بہترین جاب

30. Bs medical imaging and ultrasonography

scope in govt, private sec, بہترین جاب

31. Bs anaesthesia technology

scope in govt, private sec, بہترین جاب

32. Bs applied molecular biology and forensic sciences

scope in govt sec, private, self lab

33. Bs clinical phycology

scope in govt, private sec, practice

34. Bs microbiology and molecular genetics

scope in govt, private sec

نوٹ۔ ان ڈگریز کو ترجیح دیں جن کا تعلق صحت اور ہسپتال سے ہے۔ بہت سے ٹیکنیکل شعبے وجود میں آچکے ہیں۔

✨ *Agriculture, Life science*

1. Bsc honours agriculture major Plant science

2. Bsc honours agricultural and resource economics

3. Bs supply chain management

4. Bs integrated agricultureL management

5. Bs agriculture (plant pathology)

6. Bs agriculture (horticulture)

7. Bs agriculture ( food science and technology)

8. Bs agriculture (entomology)

9. Bsc honours Food science and technology

10. Bs honours animal sciences

11. Bs life science and business management

12. Bs animal production and technology

13. Bs animal nutrition

14. Bs dairy Forming

15. Bs meat science and technology

16. Bs honours Biological science

17. Bs Environmental science

18. Bs dairy technology

19. Bs poultry technology

20. Bs Bee forming

21. Bs fishing and wildlife

نوٹ۔ ایگریکلچر اور لائف سائنسز سے متعلق سرکاری اور پرائیویٹ سیکٹر میں روزگار کے یکساں مواقع ہوتے ہیں۔ نیز باہر کے ممالک میں بھی ان شعبوں کی مانگ ہے۔ ایم فل پی ایچ ڈی سکالرشپ بھی بہت آتی ہیں۔

۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔

⭕ *Engineering* 

انجینرنگ کے طلبہ کے انجینرنگ آپشنز

1. Civil engineering

scope in govt, private sec, foreign

2. Electrical engineering

scope in govt, private sec, foreign

3. Chemical engineering

4. Environmental sciences and engineering

scope in govt, private sec, foreign

5. Software engineering

scope in govt, private sec, foreign,

6. Building and architectural engineering

scope in govt, private sec, foreign

7. Geological engineering

scope in govt, private sec, foreign

8. Industrial engineering

scope in private sec, foreign

9. Mechatronics and civil engineering

scope in private sec, foreign

10. Mechanical engineering

scope in private sec, foreign

11. Mining engineering

scope in private sec, foreign

12. Metallurgical and material engineerings

scope in private sec, foreign

13.Petroleum and gass engineering

scope in govt, private sec, foreign

14. Cool engineering

scope in govt, private sec, foreign

15. Polymer engineering

private sec, foreign

16. Transportation engineering

scope in govt, private sec, foreign

17. BE architecture

scope in govt, private sec, foreign

18. Production and industrial design

scope in private sec

19. BE textile design

scope in private sec,

20. Bs in computing and Data science

scope in govt, private sec, foreign

21. Bachelor of interior design

scope in private sec, foreign

22. Bachelor of graphic design

scope in private sec,

23. Bachelor of textile and technology management

scope in private sec, foreign

24. Bs aviation management

scope in govt, private sec, foreign

25. Bs aircraft management and engineer technology

scope in govt, private sec, foreign

26. Bs energy engineering

scope in private sec, foreign

27. Bs mathematic

scope in govt, private sec, foreign, 100% surety of job

28. Bs statistics

scope in govt, private sec, foreign, 100% surety of job,

29. Bs Computer science

scope in govt, private sec, foreign

30. Bs technical education

scope in govt, private sec, foreign

۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔

✨  *کامن آپشنز*

1. LLB, LLM, Shariah and Law

great scope in pakistan

2. Bs computational physics

scope in govt , private sec, foreign

3. Bs environmental science

scope in govt , private sec, foreign

4. Bs High energy Physics

scope in govt , private sec, foreign

5. Bs solid stat physics

scope in govt , private sec, foreign

6. Bs space science

scope in govt , private sec, foreign

7. Bs geography

scope in govt , private sec,

8. Bs physics

scope in govt , private sec, foreign

9. Bs space science

scope in govt , private sec, foreign

10. Bs chemistry

scope in govt , private sec, foreign

11. Bs applied geology

scope in govt , private

12. Bs city and regional planning

scope in govt sec, foreign

13. Bs urban development

scope in govt sec, foreign

14. Bs public administration

scope in govt , private sec, foreign

15. Bs anthropology

scope in govt , private sec, foreign

16. Bs accounting and finance

scope in govt , private sec, foreign

17. Bs of business and information system

scope in govt , private sec, foreign

18 Bs international Relations and political science

scope in govt , private sec, foreign, foreign affairs, foreign strategy,

19. Bs library and information science

scope in govt , private sec,

20. Bs physical and sports science

scope in govt sec,

21. Bs criminology and security studies

scope in govt sec , foreign

22. Bs oriental languages

scope in govt , private sec

23. Bs sociology

scope in govt , private sec, foreign, NGOs

24. Bs economics and management system

scope in govt , private sec,

25. Bs Finance

scope in govt , private sec, foreign

26. Bs English literature

scope in govt , private sec, foreign

27. Bs communications studies

scope in govt , private sec, foreign

28. Bs mass communication

scope in govt , private sec, foreign, Electronic media

29. Bs sociology and socio cultural studies

scope in govt , private sec, foreign

30. Bs honours Gender studies

scope in govt , private sec, foreign

31. Bs development studies

scope in govt , private sec, foreign

32. Bs City Transport Management

scope in govt , private sec, foreign

33. Bs hotel management and hospitality

scope in govt , private sec,

scope in foreign countries

34. Bs management

scope in govt , private sec, foreign

35. Bachelor business information technology

scope in private sec, foreign

36. Bachelor business administration

scope in private sec, foreign

37. Bs ed honours

scope in govt , private sec,

38. Bs computational physics

scope in govt , private sec, foreign

39. Bs environmental science

scope in govt , private sec, foreign

40. Bs geography

scope in govt , private sec,

41. Bs physics

scope in govt , private sec, foreign

42. Bs space science

scope in govt , private sec, foreign

43. Bs chemistry

scope in govt , private sec, foreign

44. Bs applied geology

scope in govt , private sec, foreign

45. Bs archeology

scope in govt ,foreign

46. Bs honours in special needs education

47. Bs honours in early childhood education

48. Bs honours in secondary school education

scope in govt , private sec, foreign

49. Bs Physical education

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علاوہ ازیں پاکستان کی یونیورسٹیز مییں اور بھی متعدد ڈگریاں کروائے جاتے ہیں جن میں ہرصوبےکی مخصوص نشستیں بھی ہیں.

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💢 *اہم یونیورسٹییز۔*

(گورنمنٹ سیکٹر)

پنجاب یونیورسٹی

یونیورسٹی آف انجینرگ اینڈ ٹیکنالوجی

یونیوسٹی آف ہیلتھ سائنسز

کنگ ایڈورڈ میڈیکل یونیورسٹی

ایرڈایگریکلچریونیورسٹی راولپنڈی

گورنمنٹ کالج یونورسٹی لاہور (GCU)

زرعی یونیورسٹی فیصل آباد

یونیورسٹی آف ویٹرنری اینڈ اینیمل سائنسز لاہور، پتوکی

یونیورسٹی آف سرگودھا

لاہور کالج فار ویمن یونیورسٹی لاہور

انٹرنیشنل اسلامک یونیورسٹی اسلام آباد

یونیورسٹی آف ایجوکیشن لاہور

جی سی یونیورسٹی فیصل آباد

گورنمنٹ سائنس کالج لاہور

گورنمنٹ اسلامیہ سول لائن کالج لاہور

گورنمنٹ کالج دیال سنگھ لاہور

گونمنٹ ایم اے او کالج لاہور

بلوچستان یونیورسٹی

تربت یونیورسٹی

زرعی کالج کوئٹہ

کراچی یونیورسٹی

سندھ زرعی یونیورسٹی

عبدالولی خان یونیورسٹی مردان

گومل یونیورسٹی

بہاؤالدین زکریا یونیورسٹی

اسلامیہ یونیورسٹی بہاولپور

پشاوریونیورسٹی

اسلامیہ کالج یونیورسٹی

BUITEMS

LUAWMS

UMT

LUMS

NUML 

Quid e Azam University

UCP

UOL University

Comsats

Institute of Space Technology

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First-ever 5G video call experiment in Pakistan

The first-ever 5G video call experiment has been carried out successfully in Pakistan. Federal Minister for IT and Telecommunication Syed Amin-ul-Haque, using Zong 4G network, made a 5G video call to Beijing and enjoyed the excellent voice and video quality. 

The inauguration ceremony of 5G video call was held at Zong Headquarters Islamabad.

5G network uses the fastest data bandwidth which can be used in any 5G enabled mobile phone. 5G technology provides the fastest internet speed and best video quality without interruption. Addressing the ceremony, Syed Amin-ul-Haque said that he felt extremely proud to witness the launch of 5G video call which in future would completely change the technology landscape in Pakistan. He further said that only in past 2 years mobile phone users in Pakistan had reached to 81% and still this figure was increasingly rapidly. “While, broadband users have also reached 42% of the total population which mean we are rapidly moving towards digital revolution in Pakistan.” He congratulated Zong 4G for launching the 5G video call and admitted that, “they have state of the art technology and modern infrastructure which is imperative for such initiatives.

Syed Amin-ul-Haque said that 5G spectrum process in Pakistan was in last stage and soon we were going to auction the service which would earn us the huge revenue. After the launch of 5G technology, Pakistani people would connect to digital world effectively. He said, “At one side we are fast moving towards modern technology and on the other side we are fully committed to expanding network coverage in far-flung areas of Pakistan. People should know that, we are working relentlessly to provide the best possible network service all over the country.

Speaking on the occasion, Chairman and Chief Executive Officer (CEO) of Zong 4G, Wang Hua said: “I am pleased that Zong 4G is taking the lead in experimental launch of 5G technology which would revolutionize the network transformation in the country. 5G technology is driving global growth as it introduces the fastest internet speed and best quality. This experimental 5G video call has connected Pakistan to modern and technological advanced world and it will create countless opportunities for the Pakistani users in future even beyond their expectation.

He said, “China Mobile Communications is fully supporting Zong 4G as it leads the world’s telecommunication networks with 188,000 5G base stations in 50 cities of China.

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