JS / JS Taraqi Loan / Refinancing Facility for modernization of SMEs (SBP)


  • Subsidized markup rate of 6% per annum, based on SP refinance scheme.
  • Installment repayment in equal monthly installments.
  • During the duration of facility disbursement until approval from SBP for the refinance facility, a markup rate of 1Month KIBOR+2% (floating) per annum would Be applicable
  • 20% minimum equity contribution is required under JS Taraqi SME Loan
  • Land, gold, or any other tangible collateral as per the bank’s policy.
  • Insurance is applicable on collateral offered as security e,g, property, equipment, machinery and is offered through reputable insurance partners.
  • Pakistani National
  • Maximum age of 60 years
  • Operating in business for at least 3 years with sufficient business knowledge

All SBP schemes are subject to:

  • Continuity by SBP
  • Availability of cushion in Limit assigned to Bank

Terms and Conditions of every Scheme

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