Georgia's real interest rate (%) was 10.78% in 2025, the latest year in the World Bank's World Development Indicators. That is up 4.03 percentage points from 6.75% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 10.78% | 2025 |
| Five years earlier | 4.64% | 2020 |
| Ten years earlier | 6.75% | 2015 |
| Highest | 20.44% | 2009 |
| Lowest | -0.05% | 2010 |
| Average since 2016 | 7.26% | 2016–2025 |
| First recorded | 19.66% | 2003 |
What the numbers say
In 2025, Georgia's real interest rate (%) rose 1.16 percentage points on 2024 (from 9.61% to 10.78%).
Across the 21 yearly changes before that (2004 to 2024), the average change was −0.48 percentage points and a typical year strayed about 6.94 percentage points from that (the standard deviation). This year's change was 0.2 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
On record, the biggest yearly rise was 12.73 percentage points in 2009 and the biggest yearly fall was 20.49 percentage points in 2010. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 there is no clear straight-line trend: a straight line explains 13% of the movement over 10 observed years, so the value is moving around more than it is heading anywhere.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
How it compares
In 2025, Georgia had the 10th highest value of the 73 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
Closest to Georgia in the 2025 ranking
- Congo, Dem. Rep. — 7th of 73: 15.12%
- Azerbaijan — 8th of 73: 14.68%
- Gambia, The — 9th of 73: 13.08%
- Brunei Darussalam — 11th of 73: 10.75%
- Kuwait — 12th of 73: 10.52%
- Armenia — 13th of 73: 9.86%
What this measures
An interest rate is the amount charged, expressed as a percentage of the principal over a period of time, by the owners of certain kinds of financial assets for putting the financial assets at the disposal of another institutional unit. The real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability. This indicator is expressed as a percentage (a÷b)*100.
All 23 values
| Year | Real interest rate (%) |
|---|---|
| 2025 | 10.78 |
| 2024 | 9.61 |
| 2023 | 12.69 |
| 2022 | 5.1 |
| 2021 | 2.07 |
| 2020 | 4.64 |
| 2019 | 6.56 |
| 2018 | 7.38 |
| 2017 | 3.66 |
| 2016 | 10.12 |
| 2015 |
Real interest rate (%) in nearby economies
- Albania — 4% (2024)
- Armenia — 9.86% (2025)
- Azerbaijan — 14.68% (2025)
- Belarus — 0.03% (2025)
- Bosnia and Herzegovina — 1.05% (2025)
- Bulgaria — -2.96% (2025)
- Czechia — 1.12% (2025)
- Hungary — 1.64% (2025)
- Iceland — 3.87% (2025)
- Italy — -1.29% (2023)
- Kosovo — 5.08% (2018)
- Kyrgyz Republic
More financial sector data for Georgia
- GDP deflator (base year varies by country) — 143.86 (2025)
- Inflation, GDP deflator (annual % growth) — 4.64% (2025)
- DEC alternative conversion factor (LCU per US$) — US$2.74 (2025)
- Inflation, GDP deflator, linked series (annual % growth) — 4.64% (2025)
- GDP deflator, linked series (base year varies by country) — 143.86 (2025)
- Consumer price index (2010 = 100) — 185.49 (2025)
- Real effective exchange rate index (2010 = 100) — 110.66 (2025)
- Domestic credit to private sector by banks (% of GDP) — 66.57% (2025)
- Net domestic credit (current LCU) — 76.76 billion (2025)
Reading data like this
Questions people ask
- What is Georgia's real interest rate (%)?
- 10.78% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 2003?
- It is down 8.88 percentage points from 19.66% in 2003. The highest value was 20.44% in 2009 and the lowest -0.05% in 2010.
- How does Georgia rank?
- 10th highest of 73 economies with data for 2025.
- Is the latest change in real interest rate (%) unusual for Georgia?
- In 2025, Georgia's real interest rate (%) rose 1.16 percentage points on 2024 (from 9.61% to 10.78%). Across the 21 yearly changes before that (2004 to 2024), the average change was −0.48 percentage points and a typical year strayed about 6.94 percentage points from that (the standard deviation). This year's change was 0.2 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
Source
World Bank, World Development Indicators, indicator FR.INR.RINR, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF); World Development Indicators, World Bank (WB) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
Want to ask your own questions of data like this? Try AnalyzeIt: upload a file or ask about public data in plain words, and every figure comes with its working.
Legal entity
Devansh Yadav
Moradabad, Uttar Pradesh
Governing law: Courts at Moradabad, Uttar Pradesh
Phone: +91 8433475698
Legal: legal@analyzeit.in