Indicative Rates on Deposits (01/08/2024-30/09/2024 PDF

Indicative Rates and Annualized Rates of Expected Return of Profit/ Interest on PLS/ FC Deposits w.e.f. 01.08.2024 to 30.09.2024 Local Currency Saving Accounts 1...

Indicative Rates and Annualized Rates of Expected Return of Profit/ Interest on PLS/ FC Deposits w.e.f. 01.08.2024 to 30.09.2024 Local Currency Saving Accounts 1 Effective Interest PLS Savings Chequing Account Simple Interest Rate Rate For balances from Rs. 1/- and above 18.00% 18.81% The profit is payable on six monthly basis and calculated on the average balance during the month. The Profit will be credited to respective accounts on the 30th of June and 31st of December. 2 Effective Interest HBL Money Club (for individuals under 18) Simple Interest Rate Rate For balances from Rs. 1/- and above 18.00% 19.56% The profit is payable on monthly and calculated on monthly average balance. The profit will be credited after month end. 3 Effective Interest HBL Value Account Simple Interest Rate Rate For average monthly balance during the month Rs. 1/- 18.00% 19.25% and above The profit is payable on a quarterly basis and calculated on a monthly average balance. The profit will be credited after quarter end. 4 Effective Interest HBL Rutba (for individuals 55 years & above) Simple Interest Rate Rate For average monthly balance during the month Rs. 1/- 18.00% 19.56% and above The profit is payable on a monthly basis and calculated on a monthly average balance. The profit will be credited after month end. 5 Effective Interest HBL Nisa Savings Account (for women) Simple Interest Rate Rate From Rs. 0 - 99,999 18.00% 19.56% From Rs. 100,000 – 2,999,999 18.00% 19.56% From Rs. 3,000,000 – 4,999,999 18.00% 19.56% From Rs. 5,000,000 and above 18.00% 19.56% The profit is payable on a monthly basis and calculated on the daily closing balance. The profit will be credited after month end. 6 Effective Interest HBL Mahana Amdan Simple Interest Rate Rate From Rs. 0 - 99,999 18.00% 19.56% From Rs. 100,000 – 2,999,999 18.00% 19.56% From Rs. 3,000,000 – 4,999,999 18.00% 19.56% From Rs. 5,000,000 and above 18.00% 19.56% The profit is payable on monthly basis and calculated on daily closing balance. The profit will be credited after month end. 7 Effective Interest Daily Munafa Account Simple Interest Rate Rate On Daily Actual Deposits Rs. 1/- and above 18.00%% 19.56% The profit is payable on monthly basis and calculated on the daily closing balance. The profit will be credited after month end. 8 Effective Interest Daily Progressive Account Simple Interest Rate Rate On Daily Actual Deposits Rs. 1/- and above 18.00% 19.56% The profit is payable on a monthly basis and calculated on the daily closing balance. The profit will be credited after month end. Page 1 of 4  Local Currency Term Deposit 9 Effective Interest HBL Advantage Account Simple Interest Rate Rate 1 Month Monthly 17.75% 17.75% 3 Months Quarterly 17.50% 17.50% 6 Months Six Monthly 17.00% 17.00% Monthly 14.75% 15.79% Quarterly 15.00% 15.87% 1 Year Six Monthly 15.75% 16.37% Maturity 16.00% 16.00% Monthly 13.50% 14.37% Quarterly 13.75% 14.48% 2 Years Six Monthly 14.00% 14.49% Maturity 14.25% 13.36% Monthly 13.25% 14.09% Quarterly 13.75% 14.48% 3 Years Six Monthly 14.00% 14.49% Maturity 14.25% 12.60% Monthly 11.75% 12.40% Quarterly 12.25% 12.82% 5 Years Six Monthly 12.50% 12.89% Maturity 14.25% 11.36% Monthly 12.00% 12.68% Quarterly 12.25% 12.82% 10 Years Six Monthly 12.25% 12.63% Maturity 12.50% 8.45% 10 Effective Interest HBL Advantage Plus Account Simple Interest Rate Rate One Year Monthly 14.75% 15.79% Two Year Monthly 13.50% 14.37% Three Years Monthly 13.25% 14.09% Five Years Monthly 11.75% 12.40% Ten Years Monthly 12.00% 12.68% 11 Effective Interest Notice Deposit (ND) Simple Interest Rate Rate 7 to 29 days’ notice 18.00% 19.56% 30 days and over notice Profit is payable on encashment only. No interim profit is payable. 12 Effective Interest Investment Plus Deposit (IPD) Simple Interest Rate Rate 1 Month Monthly 17.75% 17.75% 3 Months Quarterly 17.50% 17.50% 6 Months Six Monthly 17.00% 17.00% Monthly 14.75% 15.79% Quarterly 15.00% 15.87% 1 Year Six Monthly 15.75% 16.37% Maturity 16.00% 16.00% 3 Years Maturity 14.25% 12.60% Minimum investment amount of PKR 20 million. For 1-month, minimum investment amount is PKR 100Mn (unless approved otherwise) Page 2 of 4  Negotiated rates may be offered for 1,3,6, & 12 months after obtaining necessary approvals. Foreign Currency Savings Account Simple Interest Effective Interest F.C. Saving Deposits Under New Rules Rate Rate US up to $ 50,000 1.00% 1.00% US above $ 50,000 1.25% 1.26% UK up to £ 50,000 1.00% 1.00% 13 UK above £ 50,000 1.25% 1.26% EURO up to 50,000 0.00% 0.00% EURO above 50,000 0.00% 0.00% The profit is payable on a quarterly basis and calculated on a minimum balance during the month. The profit will be credited after quarter end. Simple Interest Effective Interest HBL Nisa FCY Savings Account Rate Rate US up to $ 50,000 1.00% 1.00% US above $ 50,000 1.25% 1.26% GBP up to £ 50,000 1.00% 1.00% 14 GBP above £ 50,000 1.25% 1.26% EURO up to 50,000 0.00% 0.00% EURO above 50,000 0.00% 0.00% The profit is payable on a quarterly basis and calculated on a minimum balance during the month. The profit will be credited after quarter end. Foreign Currency Term Deposit Simple Interest Effective Interest HYFFD (High Yield Foreign Currency Fixed Deposit) Rate Rate US Dollar US up to $ 50,000 1.00% 1.00% One Month US above $ 50,000 1.25% 1.26% US up to $ 50,000 1.10% 1.10% Three Months US above $ 50,000 1.30% 1.31% US up to $ 50,000 1.25% 1.26% Six Months US above $ 50,000 1.50% 1.51% US up to $ 50,000 1.50% 1.50% Twelve Months US above $ 50,000 1.75% 1.75% 15 Pound Sterling GBP up to £ 50,000 1.00% 1.00% One Month GBP above £ 50,000 1.25% 1.26% GBP up to £ 50,000 1.10% 1.10% Three Months GBP above £ 50,000 1.30% 1.31% GBP up to £ 50,000 1.25% 1.26% Six Months GBP above £ 50,000 1.50% 1.51% GBP up to £ 50,000 1.50% 1.50% Twelve Months GBP above £ 50,000 1.75% 1.75% EURO All Tenors – From EURO 1 and above 0.00% 0.00% The Interest will be paid on Maturity only. No interim interest is payable. Legacy & Discontinued Products Simple Interest Effective Interest F.C. Saving Deposits Under Old Rules Rate Rate 16 From US $ 1 and above 0.01% 0.01% From EURO 1 and above 0.01% 0.01% From UK £ 1 and above 0.01% 0.01% Page 3 of 4  The profit is payable on a quarterly basis and calculated on a minimum balance during the month. The profit will be credited after quarter end. PLS Overdue TDR. Khas TDR. GIS.MIS-5 years. GTD Simple Interest Effective Interest & CPDC Rate Rate 17 Profit is Payable on encashment for a completed 18.00% 18.00% number of days. Simple Interest Effective Interest FC Overdue FDR Rate Rate 18 FC-FDR USD 0.01% 0.01% FC-FDR EURO 0.01% 0.01% FC-FDR GBP 0.01% 0.01% Simple Interest Effective Interest Remittance Munafa Plus Deposit (RMPD) Rate Rate One Year – Monthly basis 18.00% 19.56% One Year – Quarterly basis 18.00% 19.25% One Year – Half Yearly basis 18.00% 18.81% One Year – Maturity 18.00% 18.00% Three Years – Monthly basis 18.00% 19.56% Three Years – Quarterly basis 18.00% 19.25% 19 Three Years – Half Yearly basis 18.00% 18.81% Three Years – Yearly basis 18.00% 15.48% Three Years – Maturity 18.00% 15.48% Five Years – Monthly basis 18.00% 19.56% Five Years – Quarterly basis 18.00% 19.25% Five Years – Half Yearly basis 18.00% 18.81% Five Years – Yearly basis 18.00% 13.70% Five Years – Maturity 18.00% 13.70% SSB (Special Saving Bank Deposit Scheme) Scheme Simple Interest Effective Interest Closed Rate Rate Daily Actual Deposit from Rs. 1(M) 18.00% 18.00% 20 Daily Actual Deposit of Rs. 500(M)–Up to Rs. 18.00% 18.00% 2,000(M) Daily Actual Deposit of Rs. 2,000(M) & above 18.00% 18.00% The profit will be credited to the respective accounts on the last working day of each month. Simple Interest Effective Interest HumWatan PLS Account ( NRP Account) Rate Rate 21 For balances from Rs. 1/- and above 18.00% 19.56% The profit is payable on a monthly basis and calculated on a monthly average balance. The profit will be credited after month end. *An effective annual interest rate is the real return on a savings account or any interest-paying investment when the effects of compounding over time are taken into account. Page 4 of 4