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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 W.E.F. 01.11.2019 TO 31.12.2019.pdf  
Size: 406 KB
Indicative and Annualised Rates on Deposits W.E.F. 23.09.2019 TO 31.12.2019.pdf  
Size: 245 KB
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