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HBL PhoneBanking 111-111-425

School Finance

HBL has researched and studied the huge potential in this very important segment, and has developed a set of guidelines for customer acceptance and to cater to the financial needs of the sector in a focused manner. Fee collection mandate is the key component of School financing, where prospects are offered fee collection through branches, ATM, Internet banking and also fee collection option can be given at school's own websites, beside we can also offer payroll management solution.

​​HBL not only aims big school chains but provides complete financing solution to small and medium size schools having minimum 100 students and approximately minimum yearly revenue of Rs. 5 million where minimum average per student not less than Rs.2500/=. 


  • Demand finance can be offered for expansion in existing premises or building of new campus, considering the existing and projected revenues.

  • Demand finance can be offered to upgrade/renovate the existing facility i-e furnishing etc.

  • Demand finance can be offered to schools operating on rented premises, where facility can be offered for owning the premises​.​

  • Auto Loan/lease can be offered for purchasing school van for student and/or staff as per existing bank policy.
  • Demand finance can be offered to beef up/install security system etc​.

  • Disbursement in DF facility may be allowed in tranches considering the construction plan and the size of facility​.

  • Limit will be assigned at 70:30 Debt/Equity ratio​.

  • Running finance can be offered to schools in order to meet their payroll, utilities, rent expenses, fuel, stationary expenses and other working capital requirements​.


  • Maximum 5 years.​


  • Fee collection mandate.

  • Collateral (mortgage of land and building, lien on liquid asset​).

  • Hypothecation of Current Asset​s

  • ersonal Guarantees of sponsors/ directors​.

  • Insurance of collateral as applicab​le

  • Proof of recognition by relevant Provincial Education Board as applicabl​e

  • All regulatory approvals should be in plac​e.

  • Minimum 3 years Business Financial Statement​s.

  • Minimum 5years’ operating history of business, deviation will be allowed for new ventures of established business groups​.

  • Market check to be obtained on the Borrower and Sponsor​s.

  • Compliance to relevant PRs of SBP and credit policy of the bank​.


​3 months average asking KIBOR plus 3%.​

Fee & Charges

​As per schedule of charges


*Financing facilities are approved at bank's discretion.