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Type of loan   Interest Rates % (p.a.)
Base Rate as of Poush End 2076   8.92
Demand Loan   Base rate + upto 5.00%
Export Loan   Base rate + upto 4.75%
OverDraft   Base rate + upto 5.00%
Term Loan   Base rate + upto 5.25%
Short Term Pledge Loan   Base rate + upto 4.75%
Importer's Loan   Base rate + upto 4.75%
Revolving Cash Credit   Base rate + upto 4.75%
Non Revolving Cash Credit   Base rate + upto 5.00%
STDL - OC   Base rate + upto 4.75%
SME/Card Merchant Loan WC Loan Base rate + upto 5.25%
SME/Card Merchant Loan FTL Loan Base rate + upto 5.25%
SME/Card Merchant Loan Imposter's Loan Base rate + upto 5.25%
HBL Small Personal Business Loan WC Base rate + upto 5.50%
HBL Small Personal Business Loan Term Loan Base rate + upto 5.50%
Educational Institution Financing WC Loan Base rate + upto 5.00%
Educational Institution Financing FTL Upto 10 yrs Base rate + upto 5.00%
Deprived Sector Retail Base rate + upto 5.25%
Deprived Sector Institutional Base rate + upto 5.25%
Home Loan upto 10 years   Base rate + upto 5.25%
Hire Purchase Private Base rate + upto 5.25%
Hire Purchase Commercial Base rate + upto 5.50%
Mortgage Loan Secured Personal Loan Base rate + upto 5.50%
Loan against Share / Easy Share Loan   Base rate + upto 5.50%
Loan against HBL FD (NPR)   Upto 2% above the coupon rate
Loan against FD/Bond of other Banks   Base rate + upto 3.75%, but min 1% above coupon rate
Loan against Government Bonds   Base rate + upto 3.75%, but min 1% above coupon rate
Subidha Loan   Base rate + upto 5.50%
Loan in Local Currency against FD (FCY)   Base rate + upto 4.25% above coupon rate
Loan against First Class Bank Guarantee Rated Bank Base rate + upto 5.25%
Loan against First Class Bank Guarantee Non Rated Bank Base rate + upto 5.50%
Education Loan   Base rate + upto 5.25%
HBL Farmer's Loan Fixed Term Base rate + upto 5.00%
HBL Farmer's Loan WC Loan Base rate + upto 4.75%
USD Denominated Loan   Minimum Int. Rate in USD Savings a/c plus 2%
Personal Loan against Life Insurance/Endowment Policy   Base rate + upto 3.75% p.a.

Note:

  • Interest rate applicable on forced loan may very with risk premium form the published rate.
  • Interest rate in consortium financing as decided by consortium.
  • Interest rate in NPA accounts may vary from the published rate.
  • Penal Interest of plus 2% p.a. will be applied on overdue amount.
  • Risk premium upto plus 3% p.a. may be charged to cases attracting additional provisioning as per regulatory requirement.
  • Bills Under import LC (BLC) and other forced loan will attract interest rate of 16% p.a.