Sign In
HBL Help
HBL PhoneBanking 111-111-425

HBL Rutba

HBL Rutba, an account ideal for senior citizens aged 55 years and above. It is a perfect option for those who wish to attain financial independence and lead a stress-free life post retirement.


  • Profit payout on monthly basis
  • Free first 10-leaves cheque book
  • Free first year HBL DebitCard /Free issuance of HBL Debit Card
  • Free insurance cover (personal accidental and over-the-counter cash withdrawal)
  • No minimum balance requirement
  • Unlimited deposits and withdrawals
  • No restriction on relationship with the joint account holder (joint account holder should not be a minor)
  • Conduct transactions and make unlimited deposits and withdrawals, without any charges
  • Maintain a monthly average balance greater than PKR10,000 to avail personal accidental and over the counter insurance facilities

How to Apply

Applicant to provide:

  • Original CNIC along with verified copy
  • Duly Signed account opening form
  • Duly Signed and filled cheque book requisition form for 10-leaves cheque book duly signed

*Terms and Conditions apply

Important Documents

Indicative and Annualised Rates on Deposits - 1st June 2019 to 30th June 2019.pdf  
Size: 251 KB
Indicative and Annualized rates on deposits - April 2019 to June 2019.pdf  
Size: 400 KB
Key Fact Sheet (HBL Rutba) - Jan 2019.PDF  
Size: 153 KB
Key Fact Sheet (HBL Rutba) - July to December 2018.pdf  
Size: 81 KB
Key Fact Sheet (HBL Rutba) - January 2018.PDF  
Size: 86 KB
Key Fact Sheet ( HBL Rutba)- July 2017.PDF  
Size: 78 KB
Indicative and Annualised Rates on Deposits - February 2019 to June 2019.pdf  
Size: 403 KB