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HBL RunningMusharakah

A Shariah compliant alternative to conventional running finance facility.

Key Features

  • Can be utilised to finance any Shariah compliant business requirements
  • Allows customers to withdraw the desired financing amount up to the approved limit in a convenient manner
  • Minimal documentation requirement
  • Competitive pricing


  • Customer or primary sponsor must be a Pakistani resident
  • Minimum length of business should be 4 years
  • Customer must meet the bank’s as well as applicable regulator’s policies
  • Customer to provide acceptable collateral as per bank’s requirement

How to apply

Applicant to provide:

  • Original CNIC along with verified copy
  • Customer’s audited financial statements and disclosures
  • Proprietorship declaration/partnership deed/latest Form 29
  • Copy of collateral documents
  • Other documents as per bank’s policy

Guiding Principle

Under this agreement, bank and the customer enter into a Musharakah, based on Shirkat-ul-Aqd wherein the bank and the customer agree to (i) invest in the identified primary Operating Activities of the Customer’s business and (ii) participate in the profits/loss generated by the Musharakah in proportion to the agreed investment ratio.
Terms and conditions apply. Charges to be applied as per effective Islamic Schedule of Banking Charges (I-SOBC).