HBL Islamic Banking HBL Islamic Savings Accounts (PLS / Nisa / Al-Samarat)

Mudarabah savings suite from HBL's Islamic window where the depositor is capital provider (Rabb al-Mal) and the bank is manager (Mudarib), with returns declared monthly from actual pool performance. In June 2026 the PLS, Nisa (women), Rutba, Uraan and Mahana Amdani accounts all paid a uniform 7.23% with no fine-print tiering, while Al-Samarat term accounts ran 6.62% at 1 month to 8.14% at 5 years (at maturity; monthly-payout variants ~0.4pp lower) and FCY Islamic deposits paid a near-token 0.94%. The standout is auditability: an unbroken monthly declaration archive back to 2022, each Declaration of Profit Rates signed by the Resident Shariah Board Member alongside named pool-management officers, and access is near-universal - HBL's own list shows 274 dedicated Islamic branches plus 810 Islamic windows. The trade-off is yield: 7.23% sat mid-pack below HabibMetro's 8.48% and Bank AL Habib's 8.00%.

For depositors who want proof rather than promises, HBL's Islamic savings suite is among the best-documented Mudarabah operations in Pakistan: 29 months of signed declarations show exactly how the pool has tracked SBP's easing cycle. The June 2026 rate of 7.23% sits mid-pack - below HabibMetro Sirat's 8.48% and Bank AL Habib's 8.00%, above Allied's 6.69% - and the term ladder tops out at a modest 8.14%. You choose HBL for reach and governance rather than yield: nearly 1,100 Islamic touchpoints and a resident scholar's signature on every month's numbers.