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HBL Al-IrtifaAccount

A savings account for business entities that offers lucrative profit, enabling them to maximize their wealth.


  • Offered primarily to Institutions
  • Open an account with just PKR 500,000/-
  • Profit calculated on average daily balance
  • Profit payout on monthly basis as per announced weightages

How to Apply

Sole Proprietor to provide:

  • Original CNIC along with verified copy
  • Request letter
  • Copy of NTN Certificate

Partnership firms to provide:

  • Attested copy of certificate of registration
  • Certified copy of partnership/partnership deed
  • Letter of partnership
  • Copy of NTN Certificate
  • Verified CNIC copies of partners

Companies to provide:

  • Certificate of incorporation
  • Memorandum of association
  • Articles of Association
  • Certified copy of Form 29
  • Verified CNIC copies of signatories
  • Copy of NTN certificate and SECP registration

Guiding Principle

HBL Al-Irtifa Account is based on the concept of Mudaraba. Under this arrangement, customer (Rab-ul-Maal) provides funds to HBL (Mudarib) for investment under Shariah guidelines. The actual profit at the end of period is shared between the customer and HBL as per the pre-agreed profit sharing ratio. Loss, if any, is borne by the customer and HBL will not be entitled for Mudarib share of profit.
Note: Terms and conditions apply. Withholding Tax and Zakat is applicable as per applicable law. All facilities are subject to Islamic Schedule of Bank Charges (I-SOBC).

Important Documents

HBL Al-IrtifaAccount (Key Fact Sheet) - Jul - Dec 2020.pdf  
Size: 74 KB
KFS HBL Al-Irtifa Account - Jul 19.pdf  
Size: 87 KB
Key Fact Sheet ( HBL Al-IrtifaAccount)- Jan 2019.pdf  
Size: 29 KB
Key Fact Sheet ( HBL Al-IrtifaAccount)- July 2018 (URDU).pdf  
Size: 761 KB
Key Fact Sheet ( HBL Al-IrtifaAccount)- July 2018.PDF  
Size: 55 KB
Key Fact Sheet ( HBL Al-IrtifaAccount)- January 2018.PDF  
Size: 51 KB