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HBL RunningMusharakah

A Shariah compliant alternative to conventional running finance facility.


  Partial risk sharing of the financed asset

  Can be used to finance the acquisition/construction of capital assets such as land, factory, building, plant, 

     machinery etc.

  Ideal for investment banking and project financing needs

  Flexibility to choose between fixed and floating rate

  Competitive pricing


  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:

  Customer’s Basic Fact Sheet

  Facility Application Form

  Financial Statements (as per Prudential Regulations and bank requirements)

  Company’s Profile

  Other documents as per bank’s policy ​

Product Disclosure

All bank charges will apply as per the prevalent Islamic Schedule of Bank Charges.

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).