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HBL Diminishing Musharakah

It is a medium to long-term financing facility that enables businesses to finance different development projects and capital investments.


  • Partial risk sharing of the financed asset
  • Can be used to finance the acquisition/construction of capital assets such as land, factory, building, etc.
  • Ideal for investment banking and project financing needs
  • Flexibility to choose between fixed and floating rate
  • Competitive pricing


  • Minimum length of business should be 3 years
  • Customer or primary sponsor must be a Pakistani resident
  • Customer must meet the bank’s as well as applicable regulator’s policies
  • Customer to provide acceptable collateral as per bank’s requirement

How to Apply

Applicant to provide:

  • Original CNIC along with verified copy
  • Customer’s audited financial statements and disclosures
  • Proprietorship declaration/partnership deed/latest Form 29
  • Copy of collateral documents
  • Other documents as per bank’s policy

Guiding Principle

t is a partnership in which the customer and the bank both invest jointly to own an asset. HBL Diminishing Musharakah (DM) is a form of ‘Musharakah’ in which the ownership of the asset is divided into units. The bank then leases its share of asset (units) to the customer against rental payments. In parallel, the customer periodically purchases the units under the ownership of the bank. Upon purchase of all the units, the customer becomes the sole owner of the asset.

Note: Terms and Conditions apply. Charges to be applied as per effective Islamic Schedule of Banking Charges (I-SOBC)