HBL Loan Interest Rate 2025: A Quick Guide
By Salman khan
There are several banks in Pakistan which are offering loan to customers to avail for different type of products. HBL (Habib Bank Limited), is one of Pakistan’s leading banks which offers a range of loan products to meet financing needs of individuals and businesses. The bank has maintained updated markup structures for those looking for personal, auto, and unsecured financing. Here’s a comprehensive guide for HBL loan Interest Rate 2025 to get required financing for individual and businesses.
📈 Key Features of HBL Loan Interest Rate 2025
HBL offers different type of loan with different mark up rates. They have different financial limit, tenure and charges for the customers.
💸 1. HBL ReadyCash (Unsecured Running Finance)
- Markup Rate: 33% per annum
- Type: Running finance (markup which HBL applies on daily outstanding balance)
- Limit: Rs 150,000 to PKR 3,000,000
- Tenure: Renewable annually
- Charges:
- Processing Fee: Rs 6,000 or 1.25% of limit (whichever is higher)
- Renewal Fee: Rs 5,000 annually
- Late Payment Fee: Rs 1,250 + FED
- Minimum Due: 2% of principal + accrued markup
🧑🤝🧑 2. HBL PersonalLoan-Key Facts
There are also some key facts involve which customers must know before making up his mind to get HBL Personal loan. This also involves mark rate, loan range, tenure and eligibility.
- Markup Rate: Fixed at up to 35.99% per annum
- Loan Range: Rs 25,000 to Rs 3,000,000
- Tenure: 12 to 60 months
Eligibility:- Age: 21 to 61 years
- Minimum Salary requirement is up Rs 35,000/month for salaried individuals only
- Rate Lock: Upon approval, HBL fixes entire Markup rate for the entire tenure
🚗 3. HBL CarLoan (Conventional)
HBL has also been providing its key share of financing for car loans in Pakistan. You can check also also official information about car financing on HBL official website.
- Markup Rate: Variable (KIBOR + spread); It is not explicitly stated on website but Rates for Islamic Car Financing have been listed around 16.99% as of March 2025
Coverage: Up to 85% of car value - Eligible Vehicles: Can get loan for New and used locally assembled cars
- Loan Amount: is Rs200,000 and upto PKR 10 million
- Tenure: Up to 5 years
🌍 4. HBL Roshan Apni Car (For NRPs)
HBL also offers a flexible and hassle-free financing facility to drive your dream car under Roshan Apni Car scheme. You can get it at mixed and floating rates.
- Fixed Rate: 12.75% to 13.25% and depends on tenure
- Floating (Lien-Based): HBL offers 11.00% with annual repricing
Maximum Financing: Rs10 million - Target Group: HBL targets Pakistani NRPs with Roshan Digital Accounts
- Product Flexibility: It offers Fixed or floating markup structure
📊 Summary Table (June 2025)
| Product | Markup Rate (p.a.) | Key Details |
|---|---|---|
| ReadyCash | 33% (daily charged) | Unsecured, daily markup, annual renewal |
| PersonalLoan | Up to 35.99% (fixed) | For salaried individuals, fixed for tenure |
| CarLoan (Conventional) | Variable (KIBOR + spread) | Rates vary; confirm with bank directly |
| Roshan Apni Car (NRP) | 12.75% – 13.25% (fixed) / 11.00% (floating, lien-based) | Flexible structure for NRPs with RDA |
✅ Key Takeaways
- HBL offers ReadyCash at 33% with daily markup and annual renewal.
- Customers can get PersonalLoan at a fixed rate of up to 35.99%, which is useful for budgeting.
- HBL’s Roshan Apni Car offers attractive fixed and floating options for NRPs.
- For conventional CarLoans, HBL applies KIBOR-based rates.
🔍 HBL vs. Other Banks
- UBL Personal Loan markup: 33% p.a.
MCB ReadyCash: 31% to 34% p.a. (variable) - Bank Alfalah Auto Loan: Typically 16.00% to 17.50% (fixed)
👥 Who Can Apply? Required Documents
General Eligibility:
- CNIC
- Salary Slip (for salaried individuals) or Business Income Proof
- 6-month bank statement
- Proof of employment/income
- RDA account (only for Roshan Apni Car)
Check Out: HBL Roshan Apni Car
Additional Notes:
- ReadyCash and PersonalLoan do not require collateral
Auto loans may require vehicle verification/registration documents
Check Out: HBL Islamic Car Finance
📖 Final Thoughts
HBL has offered diverse lending products to meet needs of various customer segments ranging from salaried employees to overseas Pakistanis. Their interest rates are also based on existing monetary policy rates and product-specific risk. Before applying, you must review repayment capacity while comparing rates of different peer banks.
For official updates, visit: HBL Official Website. Also Check out further details for Home Loan in Pakistan. Read more storiy on Newztodays.
