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JS Smart Roshni – Solar Panel Financing

JS Smart Roshni is a smart solar panel financing solution, enabling businesses 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.


Mark-up: Fixed at 6% per annum

Equity: Minimum 20% of the financing amount

Charges: Minimum PKR 6,000/- or 0.5% (whichever is higher of the loan amount)

Collateral: Solar Panel marked HPA to JS Bank (only through JS Bank’s Authorized vendors)

Financing: Between
Rs. 500,000/- and Rs. 10,000,000/-

Tenor: Between 3 to 5 Years with monthly installments

Eligibility Criteria:

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

Required Document Checklist:

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