Facebook Pixel
JS Smart
JS Smart Internet Banking Internet Banking
Urdu Icon Urdu Icon Hover
JS / Business / SME / JS Khud Mukhtar

JS Khud Mukhtar

Financing solution for businesswomen of Pakistan, enabling empowerment, financial inclusion, and stability to female borrowers. JS Khud Mukhtar is based on the State Bank of Pakistan’s Refinance and Credit Guarantee Scheme for Women. This woman centric financing solution provides an opportunity to promote banking on equality via easy access to finance with term loan of up to Rs. 5 million, at a subsidized mark-up rate of 5% per annum.


Financing Between Rs. 100,000/- and Rs. 5,000,000/-

Repayment Equal quarterly installments

Mark-up Disbursement until SBP refinances facility 1-Month KIBOR + 2% per annum (floating), thereafter 5% per anum

Financing Tenure
1 to 5 Years

Processing Fee As per Bank’s updated SOC

Security- Post-dated cheques – for loan up to Rs. 500,000 - Land, gold, any other tangible collateral as per Bank’s policy - for loans over Rs. 500,000

The Geographical Coverage under this financial product includes:

JS Khud Mukhtar aims to improve access to finance for women entrepreneurs across Pakistan.

Eligibility Criteria:

  • Computerized National Identity Card (CNIC) holder
  • Maximum age of 60 years
  • National Tax Number (NTN)
  • Must have Clean e-CIB record
  • Financing will be provided for:
    • Setting up of a new business enterprise
    • Expansion of an existing one where the individual has been in business for at least one year

Required Document Checklist:

  1. Valid CNIC or NICOP copy
  2. Copy of NTN
  3. 2 recent passport size photos
  4. Business Plan
  5. Financial accounts (e.g., for start-ups, personal financial statement, and personal federal income tax returns from last one to three years)
  6. Collateral details, If any, along with estimated value
  7. Active rent agreement (in case of rented premises)

In case of existing business, following additional documents will be required:

  1. Income statements and business balance sheets of the past two years
  2. In case of JS Bank account holders, last one year’s bank statement
  3. Last three years bank statement and bank certificate for non-JS Bank account holders

Other documents as required by the Bank.

Apply Now