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HBL Rutba

HBL Rutba, an account ideal for people 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 issuance of Debit Card
  • Free insurance coverage (personal, accidental, and over-the-counter cash withdrawal) on maintaining a monthly average balance of greater than PKR 10,000
  • 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
  • Multiple HBL Rutba accounts can be opened against one CNIC

How to Apply

Applicant to provide:

  • Customer’s Computerized National Identity Card (CNIC)
  • Duly signed AOCIF
  • Duly signed Cheque Book Requisition form for a 10-leaf cheque book
  • All other standard documentation required for opening an account will be applicable

Note: For Opening an HBL RutbaAccount, the Bank’s existing documentation checklist will be applicable for every customer segment.

Terms and Conditions apply

Important Documents

Indicative and Annualised Rates on Deposits - 1st August 2019 to 31st December 2019.pdf  
Size: 219 KB
Key Fact Sheet (HBL Rutba) - July 2019.pdf  
Size: 45 KB
Indicative and Annualised Rates on Deposits - 1st June 2019 to 30th June 2019.pdf  
Size: 251 KB
Key Fact Sheet (HBL Rutba) - Jan 2019.PDF  
Size: 153 KB