Akhuwat HBL New Personal Loan Scheme 2024


Akhuwat HBL New Personal Loan Scheme

Akhuwat HBL New Personal Loan Scheme


A loan facility that provides you financial support whenever you need it. It will help you finance your dreams as well as help you through tough times.

HBL Personal Loan

A loan for every dream


Funding range between PKR 25,000 to PKR 3,000,000
The repayment period is going from 12 to 60 months.
Top-up office access after regular intervals
Inclusion of life coverage

Development through versatile application

Get HBL Personal Loan by signing in to HBL Portable Application. HBL is currently offering fast and hassle free private credit through the HBL Versatile Application.

Akhuwat PM Youth Business Loan


Government of Pakistan, in collaboration with Pakistan Poverty Alleviation Fund (PPAF) and Partner Organizations (PO’s) has launched an Interest Free Loan scheme under which low income families whose Poverty score card up to 40 will be provided with interest free loans up to Rs.50, 000.There is a steering committee which is overviewing the whole Project. Under Prime Minister’s Interest Free Loan (PM-IFL) Scheme, a total amount of Rs. 3.5 billion has been provided to PPAF and PPAF has disbursed that fund to Partner Organizations. In this regard, Akhuwat Islamic Microfinance (AIM) has been selected as a Partner Organization by PPAF.

Eligibility Criteria:

The applicant has a suitable business plan.
The applicant has a poverty score card of up to 40.
Whose age is between 18 to 60 years.
Applicant must have valid CNIC.
Applicant should be economically active.
The applicant must not have been convicted of any criminal offense for which proceedings are pending.
The applicant must have good social and moral character in his community.
The applicant should have the ability to provide two guarantors other than family members.

Salient features of the project:

Interest free loan facility is only for certain UCs which are reserved as per NFC rules.
The maximum loan size will be PKR. 50,000
A person with a poverty score card of 0-40 will be provided with a loan.
Loans are disbursed to mosques/churches to ensure transparency and participation.
There is no markup or interest on these loans.
Loans are disbursed on first come first serve basis after screening and evaluation as per eligibility criteria.


Easy - Profit credit through quick and easy tasks
Paperless - Don't bother filling out forms, submitting reports or going through the check process.
Comfort - Help with credit at home with HBL's versatile application.

Quick diagnosis

Your personal loan application is evaluated in the HBL mobile app and once the evaluation is complete, you will be notified about the status of your application through an SMS on your registered mobile number.

Eligibility Criteria

The service is offered to selected customers maintaining a salary account with HBL.


Highly subsidized markup rate of 9%

Maximum financing up to PKR 10 million
No collateral is required.
Quick and easy loan processing
Minimum documentation
Complete financing solutions


The borrower should be a resident of Pakistan between the age of 25-55 years.
3 years of business experience in current line of business
A valid CNIC
Clear the ECIB.

Method and frequency of payment

RF: Monthly
DF: Payable in equal monthly installments comprising principal and markup.

Tenure of the loan

Running Finance – Revolving facility with annual renewal
Demand Finance- Up to 5 years


Attested copy of CNIC
Attested copy of salary slip
Letter from employer (if applicable)
Terms and conditions apply.

HBL Personalon General Questions

Question. Am I eligible for HBL Personal Loan?abc
A: You are eligible to apply for HBL PersonalLoan if you fall under any of the following categories.

Top up existing HBL PersonalLoan customers with excellent repayment history.
Salary Transfer Customers Individuals who earn more than PKR 15,000 per month and whose salary is being transferred to HBL account.

Apply Online

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