HBL PM Youth Business Loan Calculator (PMYBALS)
Calculate monthly installments under the Prime Minister's Youth Business & Agriculture Loan Scheme (PMYBALS) disbursed by Habib Bank Limited.
HBL PMYBALS Tier 1, 2, 3 Installment Calculator
Select your Tier to see your subsidized monthly repayment schedule:
PMYBALS Business Loan Repayment Schedule
Complete month-by-month and yearly principal vs. markup distribution
PKR 47,178
PKR 2,500,000
PKR 330,685
PKR 2,830,685
| Year | Payment | Principal | Interest | Ending Balance |
|---|---|---|---|---|
| Yr 1 | 566,136 | 451,388 | 114,748 | 2,048,612 |
| Yr 2 | 566,136 | 474,481 | 91,655 | 1,574,130 |
| Yr 3 | 566,136 | 498,756 | 67,381 | 1,075,372 |
| Yr 4 | 566,136 | 524,273 | 41,864 | 551,098 |
| Yr 5 | 566,136 | 551,098 | 15,039 | 0 |
All figures in PKR. Rotate your phone or view on a larger screen for the full breakdown (balance & cumulative interest columns).
HBL PMYBALS Tiered Markup & Security Matrix
Tier requirements for HBL youth loan applicants:
| Loan Tier | Max Limit | Fixed Rate | Security Requirement |
|---|---|---|---|
| Tier 1 | PKR 500,000 | 0% (Interest-Free) | Clean / Personal Guarantee |
| Tier 2 | PKR 1,500,000 | 5% Fixed | Third-Party Guarantee |
| Tier 3 | PKR 7,500,000 | 7% Fixed | Mortgage of Property |
Frequently Asked Questions (PAA Answers)
Can I apply for PMYBALS Tier 1 interest-free loan at HBL?
Yes, HBL is one of the designated participating commercial banks disbursing Tier 1 loans (up to PKR 500,000 at 0% markup) for youth entrepreneurs aged 21 to 45.
How is the 1-year grace period calculated on PMYBALS at HBL?
During the first 12 months grace period, you do not pay principal installments. For Tier 2 and Tier 3, you only service the 5% or 7% fixed markup charges, after which full principal repayments begin.