JS Bank offers a personal loan designed to help Pakistanis meet urgent financial needs, such as medical bills, education, home renovation, or travel. The loan provides simple documentation, competitive mark-up rates, and flexible repayment options for both salaried and self-employed individuals.
Table of Contents
| Feature | Detail |
| Loan Amount | PKR 50,000 – PKR 3,000,000 |
| Repayment Tenure | 12, 24, 36, 48 months |
| Interest / Mark-Up Rate | Based on 1-Year KIBOR plus bank spread |
| Processing Fee | 1% of the loan amount (minimum PKR 2,000) |
| Collateral | Not required for salaried applicants (unsecured) |
| Prepayment | Allowed after 6 months with conditions |
| Eligibility — Salaried | Pakistani national, age 21–60, stable income |
| Eligibility — Self-Employed | Pakistani national, age 21–64, business income proof |
What Is JS Bank Personal Loan Pakistan?
JS Bank Personal Loan is an unsecured financing option for individuals who need fast cash without pledging property. It can be used for personal expenses like weddings, education, medical bills, or home improvements. Information is based on the official JS Bank website.
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Eligibility Criteria for JS Bank Personal Loan
For Salaried Individuals
- Pakistani citizen
- Age 21–60 years
- Stable monthly income credited to a bank account
- Minimum employment duration: 6 months
For Self-Employed / Business Owners
- Pakistani national aged 21–64 years
- Business operating for minimum required duration
- Proof of consistent income through financial statements
Required Documents for JS Bank Personal Loan
- CNIC copy
- Last 3 months salary slips or business statements
- Bank statements (last 6 months)
- Employment verification or business proof
- Passport-size photographs
- Completed JS Bank loan application form.
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Step-by-Step Application Process for JS Bank Personal Loan
- Visit Official Website: JS Bank Personal Loan
- Check Loan Features: Review loan amount, tenure, and interest rates
- Verify Eligibility: Confirm age, income, and employment criteria
- Prepare Documents: Gather all mandatory documents
- Submit Application: Apply online or visit the nearest branch
- Verification Process: Bank verifies employment, credit score, and income
- Loan Approval: If criteria are met, the loan is approved
- Disbursement: Funds transferred to your account
Key Features of JS Bank Personal Loan
- Unsecured Loan: No collateral required for salaried individuals
- Flexible Tenure: 12–48 months
- Transparent Charges: Clear processing fees
- Prepayment Options: Partial repayment allowed after 6 months.
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Benefits
- Quick access to funds for personal needs
- Easy online or in-branch application process
- Clear terms and transparent policy
- Reliable customer support
Things to Consider
- Interest rate is based on KIBOR plus bank spread
- Processing fee: 1% of loan amount (minimum PKR 2,000)
- Prepayment may have terms; check official policy
- Stable income improves approval chances
Helpline & Contact
- Official Website: https://www.jsbl.com/personal-banking/personal-loan
- Customer Helpline: 111-574-111
- Branch Visit: Visit nearest JS Bank branch to speak with a loan officer
Conclusion
JS Bank Personal Loan Pakistan is a reliable and flexible financing solution for salaried and self-employed individuals. With clear eligibility, simple documentation, and competitive repayment terms, it meets a wide range of personal financial needs. Always apply via the official JS Bank website to ensure safe and accurate processing.
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FAQs
What is the minimum loan amount?
JS Bank offers personal loans starting from PKR 50,000.
What is the maximum tenure?
Loan repayment can extend up to 48 months.
Can self-employed individuals apply?
Yes, provided they can show consistent business income.
How fast is the loan disbursed?
Funds are typically transferred within a few working days after approval.
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