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JS Smart Roshni – SME Solar Panel Financing

JS Smart Roshni is a smart solar panel financing solution, enabling businesses and residences to reduce dependence on the grid for energy requirements. JS Smart Roshni provides term loan financing facility at a highly subsidised mark-up rate of only 6% per annum.

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List of Authorized Vendors





The eligibility criteria for the applicants under this financial product includes:

  • Computerized National Identity Card (CNIC) holder
  • Must be Computerized National Identity Card (CNIC) holder
  • Operating in business for at least one (1) year with sufficient knowledge of the business


To apply the applicant would also need to provide:

1.Quotation of the Solar Panel Systems (signed and stamped by the authorized Energy Partner)
2.Copy of CNIC / NICOP
3.Two (2) recent Passport size Photographs
4.Filled and Signed Loan Application Form
5.Filled and Signed Request Application Form of JS Smart Roshni
6.Processing Fee Deposit Slip
7.Audited Accounts (Financial Statements) / Wealth Tax Return, as per SBP regulations
8.Personal Guarantee of the owners / directors (only sponsor directors in case of limited companies)
9.Supporting Documents / Undertaking to be obtained for proper utilization of loan
10.Last 1 year of business proof
11.Last 1 year bank statement along with bank certificate for non JS Bank account holders
12.Maximum 3 Bank statements of at least 1 year
13.Any other requirement of the Bank