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HBL InvestmentPlusDeposit (IPD)

InvestmentPlusDeposit (IPD) is a non-rate sheet product with special rates approved from treasury on a daily basis. It is suitable for high net worth individuals and corporates looking for competitive profit rates.


  • For 3 months, 6 months, 12 months and 3 years, minimum investment is Rs.20 million
  • For 1 month, minimum investment is Rs.100 Million
  • A range of investment tenors are available suited to your convenience (i.e. 1, 3, 6, 12 and 36 months)
  • Range of profit payout frequencies, i.e. monthly, quarterly, semiannually, annually and at maturity
  • Profit is credited to a transactional account (Current or Saving)
  • Competitive rate of returns
  • Rate remains same over the entire investment period, despite fluctuations in money market
  • In case of premature encashment 2% P.A. fixed cost will be charged on the principal amount as fixed penalty on the remaining days to maturity
  • In case of premature encashment “Opportunity Loss (i.e. Prevalent PIB breakeven Rate “Less” PIB Breakeven Rate at the time of deal booking)” in case of an inclining rate regime will be charged on the principal amount for the remaining days to maturity. In case of declining rate regime, opportunity loss shall be calculated as” Zero”.
  • In case of premature encashment, CRR (i.e. 5% of principal amount) penalty shall be charged on float income foregone on deposits booked for greater than or equal to 1 year, but encashed prior to completion of 1 year, for the time the deposit remained with the bank
  • Rollover option available: Applicable rate will be that on the date of maturity
  • Profit calculation: On principal amount

Application Criteria

  • Customer must provide an attested copy of CNIC
  • Customer must fill out the additional request form to request for IPD
  • For new to bank customer: open a current or savings account, before filling out the additional request form

Product Disclosure

  • Zakat and withholding tax shall apply as per the prevalent law on deposit products

Important Documents

HBL Investment PlusDeposit (Key Fact Sheet) - Jul - Dec 2020.pdf  
Size: 66 KB
Key Fact Sheet (HBL InvestmentPlusDeposit) - July 2019.pdf  
Size: 65 KB