HBL Loan Processing Fee Schedule 2026 (SOBC Itemized)
HBL charges a one-time processing fee on most loans, deducted from the disbursed proceeds per its Schedule of Bank Charges. For personal loans, it's PKR 8,000 or 1.25% of the loan amount, whichever is higher, with a 50% discount for HBL Nisa (female) account holders. For car loans, it's PKR 12,000 plus FED, on top of tracker and insurance costs.
Schedule of Bank Charges & FED Taxes
Itemized breakdown of all mandatory fees charged by HBL during loan appraisal and disbursement:
Processing Fees, Valuation, Early Repayment & Documentation Costs
| Loan Product | Bank Processing Fee | Mandatory Ancillary Costs | Special Discounts |
|---|---|---|---|
| CarLoan / Car Ijarah | PKR 12,000 + FED (PKR 13,920) | Tracker (PKR 18,000) + Comprehensive Insurance (~1.80% p.a.) | 50% off for HBL Nisa |
| PersonalLoan / ReadyCash | PKR 8,000 or 1.25% (whichever is higher) + FED | Credit Life Insurance (~0.50% p.a.) | 50% off for HBL Nisa |
| Islamic Home Finance | PKR 20,000 + FED (PKR 23,200) | Valuation (PKR 15,000) + Legal Title Search (PKR 12,000) + Property Takaful | Waived for Roshan Apna Ghar Lien |
| Solar PV Financing | PKR 6,000 + FED | AEDB Site Inspection (at actual) | SBP Concessional |
| PMYBALS Tier 1 | PKR 0 (Free of Charge) | None | 100% Subsidized |
See How These Fees Affect Your Total Cost
These fees are deducted upfront but don't show up in a basic monthly-installment calculation. Use the Loan Affordability Calculator to see how they affect your net proceeds, or check the HBL Loan Documentation Checklist, a companion guide covering what you'll need to submit alongside these fees.
Frequently Asked Questions
Is the loan processing fee refundable if my application is rejected?
No, bank processing fees cover documentation appraisal, administrative verification, and e-CIB credit checks and are non-refundable.
How much is the provincial sales tax (FED) on bank processing charges?
Provincial sales tax / FED is 16% in Punjab and Islamabad (PRA / FBR), 13% in Sindh (SRB), and 15% in Khyber Pakhtunkhwa (KPRA) and Balochistan (BRA).
Is the processing fee charged upfront or deducted from the disbursed loan amount?
HBL typically deducts the processing fee from the disbursed loan proceeds rather than requiring a separate upfront payment, so the amount that actually reaches you (or the dealer/vendor) is your approved loan amount minus this fee and any other deducted charges.
Does the processing fee differ for existing HBL customers versus new applicants?
Yes, for some products — car loan processing fees in particular are typically lower for existing HBL customers with an established relationship compared to first-time applicants, since the bank has less onboarding and verification work to do.
What other hidden charges should I budget for beyond the processing fee?
Beyond the headline processing fee, budget for FED on that fee, mandatory insurance or Takaful, a vehicle tracker (car loans) or property valuation and legal title search (home loans), and any early settlement charge if you plan to pay off the loan ahead of schedule.
Is there a processing fee on PMYBALS or SBP scheme financing?
PMYBALS Tier 1 is entirely free of processing charges as part of its government subsidy. Tier 2 and Tier 3, and SBP Renewable Energy Scheme solar financing, carry a reduced processing fee compared to HBL's standard commercial products, reflecting their subsidized nature.