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JS / Business / Agriculture Finance / JS Zarkhez Baler Finance

JS Zarkhez Baler Finance

JS Zarkhez Baler Finance is a term finance facility for purchase of new Balers. The facility provides an ideal opportunity for agriculturists to reduce dependence on others for quality hay feed or to earn extra money. It also offers a unique feature of free life insurance up to PKR. 2.5 mn to each customer.


Equity: Minimum 20% of the financing amount

Mark-up: 6 Month KIBOR + 6%
per annum (Floating rate)

Charges: Minimum PKR 1,000/- to
maximum PKR 5,500/- (according to the
loan amount)

Financing: Between
Rs. 300,000/- and Rs. 2,000,000/-

Collateral: With insurance and hypothecation (only through JS Bank’s Authorized vendors)

Tenor: Between 3 to 5 Years
with quarterly
installments

Eligibility Criteria:

  • Farmer holding CNIC with maximum age of 65 years on expiry of facility
  • Permanent resident of the Area
  • Must have a clean e-CIB (no defaults)
  • Must be residing within 30 kms radius of the financing branch

Required Document Checklist:

  • Two passport size colored photograph
  • Two copies of valid CNIC
  • Agri-passbook supported by Fard Jamabandi OR copy of Khasra Girdawari in applicant’s name
  • Quotation of Baler from the authorized dealer

Apply for JS Zarkhez Baler Finance:

Step 1: Select your favorite Baler by visiting your nearest authorized dealer

Step 2: Visit nearest JS Bank designated branch & fill out the JS Zarkhez Farm Transport Lease Application Form

Step 3: Complete document checklist upon approval

Step 4: Start earning through your favorite Baler leased by JS Bank, after completion of post sanction formalities