Explain the formation of covalent bond between H-atom and Cl-atom why H-Cl is polar>

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Covalent bonds are bonds in which atoms bond by 'sharing" electrons. But the sharing is NOT always equal - a atom might have the "bigger" share of electrons.

To understand this you need to learn about electronegativity. Electronegativity is defined as the tendency for atoms to attract electrons in a covalent bond.

Because Cl atoms have a stronger electronegativity than H atoms. The Cl will attract the pair of electrons more. Thus the shared pair of electrons (bonding electrons) will tend to be at the Cl atom's side, thus an unequal share of electrons. Hence the Cl atom will be delta negative, slightly negative - thus HCl is polar

Dear hcl is polar becoz polarity depends upon electronegativity...cl is more electronegative than h atom,..electronegative means the tendancy of an atom to attract shared pair of electron towards its nucleus..thus cl will attract electron pair more than h becoz of electronegativity as described..so cl will get partial negative charge and h will get partial positve and whole molecule will become polar