Features
Residential
Loan Cap: Up to PKR 20 million
Purpose: Financing for residential solar and renewable energy solutions to help homeowners reduce electricity costs and carbon footprint.
Agriculture (Agri)
Ticket Size: Up to PKR 10 million
Purpose: Financing Solar PV and other renewable energy solutions tailored for agricultural needs.
SME (Small & Medium Enterprises) Loan Cap: Up to PKR 100 million
Eligibility: Businesses with up to 250 employees, paid-up capital up to PKR 25 million, and annual sales up to PKR 250 million.
Purpose: Financing for solar PV installations to integrate sustainability in business operations.
The Green Climate Fund (GCF) is the world’s largest fund dedicated to combating climate change. It supports developing countries by providing flexible financing and technical expertise to help them reduce emissions, build climate resilience, and pursue sustainable, country-led development. JS Bank is the first private-sector bank accredited by the Green Climate Fund (GCF), enabling us to support communities and businesses to adopt solar energy.
Features
- Rate: KIBOR + Bank Spread
- Processing Fee: As per GCF Product Program
- Collateral: Solar Asset
- Repayment: EMI/ or quarterly installments until the final payment
- Tenor: 1-7 years
- Financing Amount: mentioned in the sectors above
- Equity: The Sub-Borrower must provide a minimum equity contribution of 20% of the total solution quotation value.
JS GharApna
- Pakistani national
- Minimum Employment/business Tenor of 2 years
- Age:
- Min: 27 Years (Salaried & Self-Employed)
- Max (at loan maturity):
- Salaried: 60 Years
- Self-Employed: 65 Years
- Minimum Income:
- Salaried (Gross per month):
- Permanent: Rs. 75,000.00
- Contractual: Rs. 100,000.00
- Self-Employed: An average of Rs. 100,000/- balance per month
- Active tax filer with NTN number
- Owner of the resident (House) where the solar facility is to be installed
- Installation at the Parents’ home also financed (subject to NOC from them)
- Only for residential properties
- Financial ability to afford and repay finance
- Salaried (Gross per month):
JS Smart Roshni
- Pakistani national
- Operating business for at least one (1) year with sufficient knowledge of the business
- Proof of ownership of premises for solar installation should be provided. In case the property is not owned (leased/rented), NOC from the owner would be required
- Satisfactory credit history of existing bank borrowings
- Financial ability to afford and repay finance
JS Agri Energy Finance
- Pakistani National
- Age: Maximum 65 years on expiry of the facility
- Permanent resident of the Area
- Satisfactory credit history of existing bank borrowings
- Financial ability to afford and repay finance