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HBL PhoneBanking 111-111-425

HBL Murabaha

A financing facility that enables customers to purchase raw material, finished goods, etc to fulfill their business needs.


  • Ideal Shariah compliant option for short-term financing needs
  • Flexible payment options - spot, deferred or in installments
  • 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

Under this mechanism, the bank purchases and acquires the underlying asset and then sells it to the customer by disclosing the cost and profit at the time of sale execution.
Note: Terms and Conditions apply. Charges to be applied as per effective Islamic Schedule of Banking Charges (I-SOBC)