JS Smart Roshni – Reliable Source of Energy!

JS Smart Roshni offers a smart solar panel financing solution to businessmen of Pakistan, to become less dependent on the grid for energy requirements. Whether you are active in Agriculture, Commercial or Industrial sector, you can truly utilize the renewable source of energy for taking your business to new heights. JS Smart Roshni provides term loan financing facility, for generation of electricity ranging from 4 kW to 100 KW, at a highly subsidized mark-up rate of only 6% per annum. JS Smart Roshni offers the following facilities:

  • Financing – Between Rs. 500,000 and Rs. 10 million, depending on the multiple number and sizes of the solar panels being purchased
  • Equity – Minimum 20% of the financing amount
  • Mark-up rate – only 6% per annum
  • Financing tenor – Between 3 and 5 years, with repayment in monthly installments
  • Processing fee – Minimum PKR 5,000/- or 0.5% of loan amount (whichever is higher)
  • Insurance – offered through reputable insurance partners at a preferential rate

JS Bank has partnered with the following Solar Vendors to ensure best quality Solar Panel Systems:


Solar Panel Specifications

JS Smart Roshni provides you with a comprehensive solution from financing to installation of the Solar Panels, with best options offered through our Energy partners:

  • 5 KW Solar System with 10 year warranty of the panels & 25 years for performance. Price of the complete system, including installation, can range between Rs. 575,000/- to Rs. 700,000/- depending on the choice of panels
  • 10 KW Solar System with 10 year warranty of the panels & 25 years for performance. Price of the complete system, including installation, can range between Rs. 1,050,000/- to Rs. 1,200,000/- depending on the choice of panels

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

Requirements for Getting Started

  • Filled Request Application Form
  • Filled Account Opening Form (current or savings)
  • Simplified Loan Application Form filled and signed by the borrower’s.
  • Quotation of the Solar Panels from the authorized Energy partner of the Bank (RM / BM to attest on the original)
  • Supporting Documents / Undertaking to be obtained for proper utilization of loan
  • Deposit Slip of Processing Fee
  • Two (2) recent Passport size Photographs
  • Copy of CNIC / NICOP
  • Last 2 years of business proof is required
  • Last 1 year bank statement is required along with bank certificate for non JS Bank account holders
  • Personal Guarantee of the owners / directors (only sponsor directors in case of limited companies)
  • Maximum 3 bank statements are allowed for income clubbing
  • Customer must be income tax payee – NTN Number required
  • Audited Accounts (Financial Statements) / Managing Accounts, as per SBP regulations (In case of lending to small enterprises above Rs. 15 million and medium enterprises above Rs. 10 million)

  • In case of Partnership, the following documents will be required:

  • CTC Partnership Deed
  • Partnership Mandate / Resolution
  • Borrowing Resolution
  • Personal Guarentee of the Partners

  • In case Private Limited Company, the following documents required:

  • Certificate of Incorporation
  • Memorandum of Association
  • Article of Association
  • Board Resolution
  • Latest Form A
  • Latest Form 29
  • Personal Guarentee of the Directors

Apply Now!

Visit your nearest JS Bank branch to get your Solar Panel financed through JS Smart Roshni!