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JS Zarkhez Revolving Finance

JS Zarkhez Revolving Finance provides financing for effective day to day management of your agricultural business. Offering the ability to repay on a quarterly and half yearly rentals, based on cropping pattern & cash flows, it also offers a unique feature of free life insurance up to PKR. 2.5 mn to each finance customer.


Equity: Minimum 20% of the financing amount

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

Financing: Between
PKR 100,000/- and
PKR 100,000,000/-

Tenor: RF Facility up to 3 Years with one-time documentation, annual renewal on meeting clean up requirements of RF limit

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

Collateral: Bank’s charge on agricultural
land, rural/ urban property/ pledge of gold

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

Apply for JS Zarkhez Revolving Finance:

Step 1: Visit nearest JS Bank designated branch & fill out the JS Zarkhez Application Form for availing Revolving Finance facility to meet working capital requirements of your crops, vegetable/ fruit farms, poultry farms, livestock/ dairy farms fish farms and cold storage etc.

Step 2: Complete document checklist upon approval

Step 3: Get the financing for your farm’s operations through JS Bank after completion of post sanction formalities.