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HBL Personal Loan Markup Rate
HBL's PersonalLoan markup rate and terms, verified directly against HBL's own product page — not a third-party estimate. More banks are added here as their rates are verified, building toward a full market comparison.
⏱ Last verified 20 Aug 2026 — rates depend on applicant category and change periodically, always confirm before applying→ How we verify banking data before it goes on this page
| BANK | PRODUCT | KEY FIGURE | DETAIL | SOURCE |
|---|---|---|---|---|
 HBL |
HBL PersonalLoan | Up to 35.99% | Unsecured, Rs. 25,000 – Rs. 3,000,000, 12–60 month tenures | HBL official page ↗ |
Rates shown are the maximum disclosed by each bank; your actual rate depends on income, employer category, and the bank's internal risk assessment.
Frequently Asked Questions
What is the maximum markup rate on a personal loan in Pakistan?
HBL's PersonalLoan carries a markup of up to 35.99% per annum, the maximum disclosed on HBL's own product page, with the exact rate depending on the applicant's customer category. Rates vary by bank and applicant profile, so always confirm the specific rate offered before accepting a loan.
Are personal loans in Pakistan secured or unsecured?
Most bank personal loans in Pakistan, including HBL's PersonalLoan, are unsecured — no collateral is required, though approval depends on income verification and the bank's internal credit assessment.
Why does this comparison only show one bank so far?
Personal loan markup rates depend heavily on an applicant's risk category and aren't always published as a single flat figure, so PakFinHub only lists a rate once it can be sourced directly from that bank's own official page or Key Facts Statement. More banks will be added as their rates are verified.