JS Bank Limited

JS Bank Limited provides a full range of branded products in Pakistan. These offerings cover personal, business, Islamic, digital, remittance, investment, and specialized finance categories.

Personal Banking Services

JS Bank offers several current account options. The JS Current Account requires a PKR 10,000 average monthly balance. It provides free unlimited electronic funds transfers. The JS Premium Current Account distributes quarterly profit based on month-end balances. Its minimum average monthly balance is PKR 250,000. JS Asaan Current Account features a zero minimum balance. It includes free mobile and internet banking. The JS Premier Raabta Current Account offers an overdraft limit up to 50% of the average balance. It assigns a dedicated relationship manager. The JS Her Current Account requires PKR 5,000 minimum average monthly balance. It provides complimentary health and lifestyle SMS alerts. JS Basic Banking Account has zero minimum balance. It allows daily free ATM withdrawals capped at PKR 20,000. JS Freelancers Current Account supports multi-currency inward remittance payouts in PKR. It offers free SWIFT inbound messages. The JS Foreign Currency Current Account is available in USD, GBP, EUR, AED. It has zero maintenance fee if the balance is USD 500 or more. JS Inclusive Current Account is tailored for persons with disabilities. It includes free assistive banking services and priority teller access.

Savings options include the JS Rupee Plus Savings Account. Profit is calculated on the daily minimum balance. It provides free quarterly e-statements. JS Foreign Currency Plus Savings Account is available in USD, GBP, and EUR. Interest is credited monthly. The JS PLS Savings Account uses a 75:25 Profit & Loss Sharing ratio. The customer receives 75% and the bank 25%. It requires a minimum balance of PKR 2,000. JS Asaan Savings Account features zero minimum balance. It offers free issuance of a single-leaf chequebook. JS Her Savings Account targets female customers with zero balance. It provides complimentary SMS transaction alerts. JS Savings Special Deposit Account has tenors from 3 to 12 months. An early withdrawal penalty of 1% of accrued profit applies.

JS Bank provides various card and financing products. The JS Debit Card is EMV chip & PIN enabled. It is compatible with Visa payWave/contactless technology. The 3D Secure Mastercard offers two-factor authentication for online transactions. It uses real-time OTP verification. JS Credit Card has a revolving credit limit up to PKR 5 million. It offers cashback up to 1% on all retail spend. JS CashAsaan is a term loan with tenure up to 60 months. It features a fixed markup rate throughout the tenor. JS Ready Finance is a revolving facility with a credit limit up to PKR 1 million. The minimum monthly repayment is 5% of the outstanding balance. The JS Balance Transfer Facility allows transfers up to 100% of outstanding. It includes a top-up facility up to 50% of the card limit. JS Asset Finance provides financing up to PKR 10 million. Its tenor extends up to 48 months. JS Pensioner Finance is available to government pensioners. Loans can be up to 75% of the monthly pension. JS GharApna Home Finance offers a tenure up to 25 years. The Loan-to-Value (LTV) can be up to 80% for primary residences. JS CarAamad Bike Financing offers financing terms from 12 to 60 months. The profit rate depends on the asset age.

Wealth management and bancassurance products are also available. JS Cash Fund is a mutual fund investing in AAA-rated short-term government instruments. It features daily NAV pricing. JS Money Market Fund requires a minimum subscription of PKR 5,000. It offers liquidity within one business day. JS Government Securities Fund invests in Pakistan Investment Bonds. It provides monthly income distribution. JS Microfinance Sector Fund offers exposure to microfinance institutions. It provides quarterly dividend payouts. EFU Roshan Kal is a guaranteed return term plan. The minimum annual premium is PKR 50,000. EFU Women Savings Plan has premium payment terms of 5 or 10 years. The maturity benefit includes Sum Assured plus Bonus. Allianz EFU Health Protector has individual and family floater options. It offers annual coverage up to PKR 10 million. TPL Life Hifazat is a whole life takaful plan. It offers surrender value after 3 years.

Business, Corporate & Digital Solutions

Business banking includes the JS Platinum Business Current Account. It requires a PKR 1 million minimum average balance. It offers free inbound and outbound RTGS/IBFT. JS Exporters Special Foreign Currency Account supports export proceeds collection in USD, EUR, GBP. It provides a preferential exchange rate margin. SME and specialized financing options are available. JS Khud Mukhtar offers collateral-free loans up to PKR 1 million. The tenure is up to 36 months. JS Naya Aghaaz provides working capital loans up to PKR 5 million. It features a flexible repayment schedule. JS Taraqi Loan is an SBP Refinance scheme. The refinance rate is 3% per annum. It supports modernization of SMEs. PMYB&ALS (Prime Minister Youth Business & Agriculture Loan Scheme) includes a markup subsidy up to 5%. The maximum loan amount is PKR 5 million. JS Zarkhez GoldFinance supports agriculture. It provides asset financing for farm equipment with tenure up to 60 months. Electronic Warehouse Receipt Finance offers financing against warehoused commodities. The LTV can be up to 50% of the warehouse value.

Employee and social finance products are offered. JS PayDay provides salary advance up to 50% of net salary. No collateral is required. JS Cash Management includes an automated sweep facility. It supports centralized receivables collection. JS Smart Roshni Solar Finance offers financing for solar home systems. The tenure is up to 36 months.

Digital and remittance solutions enhance accessibility. Zindigi is a digital app. It enables real-time account-to-account transfers via Raast. It also offers in-app bill presentment and payments. JS Blink facilitates QR-code based merchant payments. Settlements occur within 60 seconds. JS Mobile supports biometric login. It uses secure tokenized transactions. Internet Banking allows bulk payroll uploads via CSV or XLS. It also supports scheduled transfers and standing instructions. JS Bot is an AI-driven chatbot. It provides FAQs and transaction initiation with 24/7 customer support. Raast is Pakistan's PKR real-time payment rails. It facilitates IBAN-based transfers. Roshan Digital Account offers offshore PKR and USD accounts. It includes integrated Roshan Equity Investment. It also facilitates conventional and Islamic Naya Pakistan Certificates.

JS Bank utilizes unique bank-specific technologies. Zindigi is Pakistan's first gamified digital-only banking account. It features real-time P2P, bill pay, savings goals, and a social feed. JS Blink is a proprietary QR & USSD instant payment platform. It supports offline merchant settlements.

Islamic Banking & Investments

JS Bank offers a range of Shariah-compliant products. The Islamic Naya Pakistan Certificate has tenors of 3 and 5 years. Its profit rate aligns with sovereign Sukuk yields. Roshan Samaaji Khidmat is a CSR-linked savings solution. It features a profit-sharing donation mechanism. Roshan Apna Ghar provides Islamic home financing. It uses diminishing Musharakah and offers LTV up to 80%. Roshan Pension Plan is a Shariah-compliant retirement savings product. It permits voluntary top-ups. Roshan Equity Investment provides access to the Pakistan Stock Exchange. It uses a brokerage window with zero brokerage on online subscriptions.