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JS / Personal / Consumer Finance / JS Balance Transfer Facility

JS Balance Transfer Facility

Personal Installment Loan

JS Bank Personal Loan BTF is a facility that provides customers a chance to transfer their existing loan to JS Bank at a rate of 26%, much lower than the market average. JS Bank Personal Loan BTF offers financing from Rs. 40,000 to as high as 2 million, depending on your gross monthly income and loan tenure.

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Terms & Conditions

  • Flexible tenure of 1 to 4 years
  • Two (2) post-dated cheques equivalent to six (6) monthly installments each year

Required Documents:

  • CNIC holder with minimum age of 21 years to 60 years (at the time of loan maturity) for salaried individuals, and 21 years to 65 years for self-employed individuals
  • Latest Salary Slip with minimum gross monthly salary: Rs. 40,000/- along with proof of employment tenure. In case of Self-Employed Individuals, six (6) months bank statement with Rs. 75,000 Average Balance is required.
  • Application form, Legal Booklet along with copy of CNIC

Mark-up Rate

  • 26% fixed rate p.a. for all those availing Balance Transfer Facility (only those customers availing Personal Installment Loan from any other bank can apply). Applicable on all customer categories.


  • Processing fee is Rs. 3,500/- or 1% of the loan amount (whichever is higher)
  • Legal & stamping charges at actual
  • Late Payment Charges are Rs. 1,000/- per month
  • Credit Protector facility is optional and charged at 0.48% of the outstanding loan amount on monthly basis
  • Early settlement: 1st year = 10% of outstanding loan amount, 2nd to 3rd year = 8% of outstanding loan amount, After 3rd year = 5% of outstanding loan amount