Roshan Kal

Investment Plan

Whether you wish to initiate a savings at the start of your career, plan for life’s various milestones, or simply secure your own comfortable retirement, JS Bank’s RoshanKal Investment Plan will help you strengthen your financial foundations. RoshanKal offers a flexible high value savings plan along with a comprehensive life protection plan.

Features of Roshankal

Opportunity for Growth

  • Every contribution in RoshanKal is utilized to purchase units of the “EFU Managed Growth Fund”. This is a unit linked investment fund with a balanced investment strategy.
  • The objective of the fund is to maximize capital growth by investing in a balanced portfolio. The fund is managed by investment experts who adjust the mix of the underlying investments in light of economic conditions and investment opportunities.

Guaranteed Loyalty Bonus

  • The longer the plan is continued the higher the rewards.

Funds Acceleration Premium (FAP)

  • RoshanKal is a regular contribution plan but also gives you the flexibility to top-up the savings by depositing surplus funds as lump sum contribution to the plan. These lump sum contributions called “Fund Acceleration Premium” (FAP) payments can be made at any policy anniversary. The FAP payments will increase the cash value of the plan, but will not affect the sum assured.

Investment with a Safety Net

  • The moment you start saving with RoshanKal you will enjoy a guaranteed level of life assurance protection. This cover means that in case of death the dependents will receive the sum assured or the cash value of the plan at the time of death (whichever is higher) and any cash values of FAP payments
  • Depending on the current stage of one’s life and the need for life assurance protection, the plan offers the facility of selecting a low or high level of sum assured at the inception with the flexibility to alter this level as one’s circumstances change.

Access to savings at all times

  • The plan provides complete access to the accumulated fund value at all times.
  • After contributions have been made for two full years, the fund can be withdrawn for its full or partial value.
  • In case the customer opts for complete surrender, all units in the fund will be en-cashed at the current bid price and the plan will be cancelled.

Additional benefits

  • In order to enhance the overall advantage you get from the product, other options apart from the basic benefits on offer can also be availed. These additional benefits include:
  • Inflation Protection
  • Additional Term Assurance
  • Accidental Death and Disability Benefit
  • Family Income Benefit
  • Life care Benefit
  • Waiver of Premium

Unit Allocation Percentage

  •  The proportion of contribution for investment in units varies by the policy year and is follows:
  • Year 1 – 35%
  • Year 2 – 80%
  • Year 3 – 90%
  • Year 4 to 10 – 100%
  • Year 11 onwards – 100% plus Loyalty Bonus Allocation


  • The contributions in the plan are invested in EFU managed growth fund.
  • This product is underwritten by EFU Life Assurance Ltd. It is not guaranteed or insured by JS Bank Limited or its affiliates and is not a JS Bank Limited product.
  • Growth in the value of your contributions depends on the performance of EFU managed growth fund
  • EFU Life Assurance Ltd is registered and supervised by Securities and Exchange Commission of Pakistan.
  • All investments made in EFU Managed Growth Fund are subject to market risks. The past performance of EFU Managed Growth Fund is not necessarily a guide to future performance. Any forecast made is not necessarily indicative of future or likely performance of the fund and neither EFU Life Assurance Ltd. Nor JS Bank Limited will incur any liability for the same.
  • A personalized illustration of benefits will be provided to you by our sales representative. Please refer to the notes in our illustration for detailed understanding of various terms and conditions.
  • Service charges and taxes will be applicable as per the bank’s “schedule of Charges” and taxation laws as stipulated by the relevant authorities.
  • JS Bank Limited reserves the right to levy such additional charges(s) as may be required, to facilitate the making of contribution in the plan, in the event that the arrangement between JS Bank Limited and EFU Life Assurance Limited is discontinued.”

FAQs for RoshanKal

What is RoshanKal?

RoshanKal is a flexible investment plan. The plan provides the client with savings with high value returns along with flexible term and conditions. The purpose of the plan is to provide potential clients a vital financial planning tool to better equip them to face

What is the proportion of contribution allocated to investment?

The proportion of contribution for investment in units varies by the policy year and is follows:

  • Year 1 – 35%
  • Year 2 – 80%
  • Year 3 – 90%
  • Year 4 to 10 – 100%
  • Year 11 onwards – 100% plus Loyalty Bonus Allocation

Note: Depending on policy term