HBL Islamic Bank
<p>HBL Islamic Bank in Gujrat delivers Shariah-compliant financial solutions backed by Pakistan's largest and most awarded banking network. Situated in Marghzar Colony, this branch provides local residents and businesses with convenient access to a complete suite of Islamic banking products, from current and savings accounts to financing and digital services. As part of Habib Bank Limited — the country's first commercial bank, established in 1947 — the Islamic Banking division upholds the same commitment to trust, innovation, and financial inclusion that has defined HBL for decades.</p><p>Customers visiting the branch can open an Islamic account, apply for Shariah-compliant vehicle or home financing, and manage everyday transactions through a secure, well-established platform. The team at HBL Islamic Bank Gujrat focuses on helping individuals, families, and entrepreneurs in Gujrat and across Punjab achieve their financial goals without compromising on their values.</p><h2>Shariah-Compliant Banking Services</h2><p>Every product at this branch is developed and reviewed by independent Shariah scholars to ensure full alignment with Islamic principles. The facility operates as a dedicated Islamic banking window under HBL, granting clients access to the latest Shariah-compliant instruments while enjoying the stability and nationwide reach of Pakistan's leading bank.</p><ul><li><strong>Current Accounts:</strong> Manage daily business and personal finances with HBL Islamic Current Accounts. These provide unlimited transactions, free online banking, and a non-interest-based structure suitable for day-to-day cash management.</li><li><strong>Savings Accounts:</strong> Earn halal profits on deposits through Mudarabah-based savings accounts. HBL offers Islamic savings products that share actual profits earned on Shariah-compliant investments, with profit calculated and paid monthly.</li><li><strong>Term Deposits:</strong> Lock in competitive expected profit rates for a fixed tenure with Islamic Term Deposit accounts. Flexible tenures from 1 month to 5 years allow financial planning for education, marriage, or retirement.</li><li><strong>Financing Solutions:</strong> The branch facilitates Islamic Car Financing (via Diminishing Musharakah), Home Financing, and Business Finance. These replace conventional loans with asset-backed, risk-sharing structures free from Riba.</li><li><strong>Roshan Digital Islamic Account:</strong> Overseas Pakistanis can open a fully digital Shariah-compliant account to invest in Naya Pakistan Certificates or other Islamic instruments, all managed remotely through HBL Mobile.</li></ul><h2>Digital Banking & Konnect Islamic</h2><p>HBL Islamic Bank Gujrat extends far beyond the branch counter with powerful digital channels available 24/7. Customers can perform thousands of transactions without visiting the branch, supported by a network of over 2,000 ATMs and the HBL Mobile app rated among the best in Pakistan.</p><ul><li><strong>HBL Mobile & HBL Pay:</strong> Open an Islamic HBL Digital Account in minutes, pay bills, send money via RAAST, and scan QR codes at over 100,000 merchants — all using a smartphone with biometric security.</li><li><strong>Konnect Islamic:</strong> This branch-based banking solution combines a savings account with a debit card, digital wallet, and mobile app designed for freelancers, gig workers, and small traders. Konnect Islamic accounts earn monthly profits and support free internal transfers.</li><li><strong>WhatsApp Banking:</strong> Check your balance, request an account statement, or block your card instantly through WhatsApp — a simple, text-based service available in English and Urdu.</li><li><strong>Self-Service Channels:</strong> More than 2,000 HBL ATMs across Pakistan — including a dedicated HBL ATM near the branch — give you cash withdrawal, bill payment, and funds transfer functionality round the clock.</li></ul><h2>What We Offer</h2><p>This Gujrat location provides a broad range of value-added services that make everyday banking efficient and stress-free. Whether you are a farmer, a small industrialist, or a salaried professional, these facilities help you bank with confidence.</p><h3>ATM & Cash Management</h3><p>The branch maintains a 1-Link and MNET-enabled ATM that dispenses cash, prints mini-statements, and processes utility bill payments. Contactless Visa and PayPak debit cards issued here work instantly at any POS terminal or online merchant.</p><h3>Remittance & Foreign Currency</h3><p>Receive money from abroad through FastTransfer, wire transfers, or HBL's partnership with major global money transfer operators. The branch handles FCY accounts in USD, GBP, EUR, and AED, and can issue foreign currency notes for travel (subject to SBP regulations).</p><h3>Bancassurance & Wealth</h3><p>Protect what matters with Shariah-approved Takaful plans for life, health, and vehicle, distributed through HBL Islamic Bank. In addition, dedicated relationship managers help build a halal investment portfolio including Sukuk, Islamic mutual funds, and commodity Murabaha placements.</p><h2>Serving Gujrat & Punjab</h2><p>Gujrat is a thriving industrial and agricultural hub known for its furniture, ceramics, and fan manufacturing. HBL Islamic Bank supports this local economy by financing raw material procurement, working capital, and equipment purchases for SME and mid-sized enterprises through Islamic modes such as Murabaha, Ijarah, and Diminishing Musharakah.</p><p>For farmers in the surrounding tehsils, the branch offers Shariah-compliant agricultural finance for crop inputs, tractors, solar tube wells, and storage infrastructure. These facilities contribute directly to Punjab's food security and rural employment while staying fully Riba-free.</p><p>Salaried individuals and public sector employees in Gujrat can access salary accounts with free life Takaful coverage, preferential financing rates, and instant salary disbursement via the HBL Fusion HR platform — all managed digitally or through the branch.</p><h2>Hours, Location & Directions</h2><p>The branch is easily accessible from the center of Gujrat, located opposite the main Marghzar Colony residential area. Fixed-line and mobile connectivity is strong, and public transport stops within a short walking distance, making it convenient for customers arriving by car, rickshaw, or bus.</p><p><strong>Branch Timings (Monday–Thursday):</strong> 09:00 AM – 05:30 PM<br><strong>Friday Break:</strong> 09:00 AM – 01:00 PM & 02:30 PM – 06:00 PM<br><strong>Saturday:</strong> 09:00 AM – 01:30 PM<br><strong>Sunday:</strong> Closed (Online & ATM services remain available)</p><p>Address: H3WH+JH4, Marghzar Colony, Gujrat, Pakistan. Call +92 53 3603604 for account queries, financing applications, or to book an appointment with a relationship manager. Parking is available in the designated lot adjacent to the building.</p><h2>Questions Visitors Ask</h2><h3>Can I open an Islamic account at this branch without visiting Gujrat in person?</h3><p>Yes, HBL offers the Islamic HBL Digital Account that can be opened completely online via the HBL Mobile app or website using biometric verification and a valid CNIC. The account becomes operational immediately and can be managed entirely through digital channels without a physical visit.</p><h3>What documents are needed to apply for Islamic car financing?</h3><p>Salaried applicants typically provide: copy of CNIC, two recent passport-size photographs, last three months' salary slips, bank statement for the previous 6 months, and a copy of the vehicle quotation. Self-employed applicants additionally submit business proof, tax returns, and six months' bank statements. The branch team will guide you through the exact checklist.</p><h3>Does this branch offer a women-only Islamic banking facility?</h3><p>Yes, HBL Nisa is available as an Islamic banking proposition that offers Shariah-compliant current and savings accounts tailored for women, with benefits like free Takaful cover, discounted consumer finance, and dedicated relationship managers, all accessible at this branch.</p><h3>How long does a funds transfer to another bank take via HBL Islamic?</h3><p>Local interbank transfers made through HBL Mobile, Konnect, or the branch counter are processed instantly via RAAST (for registered beneficiaries) or within the same working day via standard IBFT, subject to daily transaction limits.</p>
- Category
- Islamic Bank › Retail Islamic Banking
- Location
- Gujrat, Punjab, PK
- Address
- Adresse: H3WH+JH4, Marghzar Colony, Gujrat, Pakistan
- Phone
- +92533603604
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