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HBL PhoneBanking 111-111-425

HBL Istisna

A financing facility that enables customers to meet working capital requirements for their business.


  • Allows financing of manufacturing as well as overhead costs of the business
  • Flexible payment options
  • Competitive pricing


  • Customer or primary sponsor must be a Pakistani resident
  • Minimum length of business should be 3 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

It is the sale of specified good to be manufactured in which the customer manufactures the goods for the bank against advance payment. Upon delivery of the assets to the bank, the bank appoints the customer as its agent to sell the goods in the market.
Note: Terms and Conditions apply. Charges to be applied as per effective Islamic Schedule of Banking Charges (I-SOBC)