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HBL PhoneBanking 111-111-425

HBL Salam

A facility that caters to the working capital requirements of agricultural sector and manufacturers/exporters of homogenous commodities.


  • Can be used by customers to finance overheads and utilities cost
  • Ideal for agricultural financing needs.


  • Customer or primary sponsor must be a Pakistani resident
  • Minimum length of business should be 3 years
  • 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 a sale whereby the seller (customer) delivers specific goods to the buyer (bank) at a future date in exchange of a price fully paid in advance. Upon delivery of the goods 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)