Schedule of Charges
(b) Mark-up in the Case 20 % flat overdue mark-up flat (from the date of
of Usance Bills Under maturity till adjustment date) is to be recovered on bill
Import/Inland L/C value or pricing as per credit approval will be applied.
Not Retired on Due Date
vii) Acceptance Commission 0.10% per month acceptance commission on bill amount if
on Usance L/C payment date falls after L/C expiry.
(Local/Foreign)
ix) Advance Payment Rs. 2,000/- per item (flat) plus TT & FX against import service;
charges as per tariff.
xi) Credit Report on Beneficiary a) On foreign suppliers - Actual Charges of Credit Rating
and/or Foreign Buyer Company minimum Rs.500 plus Foreign Bank / Agent Charges (if any).
b) To Foreign Banks on their request - US$ 100 from Foreign Banks
c) To Foreign Banks on customer's request - Rs. 625
01
xii) Courier Charges
a) For Local Rs. 250/- (flat)
b) For Foreign Rs. 2,500/-
xvi) Inland L/C 0.40% per quarter or part thereof - Minimum Rs.1,000/-
for first quarter and 0.20% for each subsequent quarter
or part thereof
xxi) Transfer to new beneficiary As applicable for opening of fresh LC as per i - a above.
xxiii) LCs under Suppliers/Buyers Commission @ 0.40% per Qtr or part thereof. (At the time of
Credit, PAYES (Pay as You opening of LC to be charged on full amount of LC liability
Earn Scheme) and Deferred plus interest payable thereon for the period from the date of
Payment LCs for period opening of LC till the expiry of LC, thereafter commission is
over one year. to be recovered on six monthly basis on reducing liability).
All such LCs will be opened subject to approval.
xxiv) USANCE BILLS: Bills drawn 0.25% or Rs. 2,000/- whichever is higher, is to be recovered at
at Usance under the LC the time of retirement of the cases which are beyond validity
other than PAYES (Pay as of LC.Number of days from LC validity date till retirement
you Earn Scheme) and date. However, no commission is to be charged if the
Suppliers / Buyers Credit maturity/payment period of the bills falls within the period
for LC opening commission & which has already been
recovered.
xxvi) Import Bills returned unpaid US$100/- flat from forwarding Bank plus courier charge
xxvii) Documentary Collections Rs.1,250/-flat for all import bills under contract, collection,
consignment, advance payment & in case charges are on
Exporter /Presenter account US$15/ flat.
xxviii) Service Charges against Paisas 13 per Rs.100/- OR Rs.1/30 per mille - Minimum
import transactions i.e. Import Rs.1,000/- PLUS actual swift charges in all cases
Bills (PAD) / Collections (IB) /
Contract /Advance Payments
and Consignment payment
Remittance against import
with or without LC / Advance
payment.
02
xxix) Reimbursement charges At actuals
(payable to reimbursing Banks)
B. EXPORTS
Charges for exports to Afghanistan 0.075% for exports to Central Asian Countries,
and Central Asian Countries against including Afghanistan, against FCY notes
deposits and surrender of FCY notes
i) Letters of Credit
iv) Transfer of Export L/Cs Rs.1,000/- Flat plus Swift &/or Postage Charges
Rs.15,000/- Flat - If with substitution of documents
plus swift &/or Postage Charges
vi) If the Documents are Rs.1,000/- Flat Handling charges plus 0.13% service charges
Sent to Other Local
Banks Under
Restricted L/C
vii) Collection
– Foreign Currency
(a) Clean – for Exports Rs. 250 plus paying bank charges. Plus courier and Swift charges
(b) Documentary Export 0.13 % of bill amount, Min Rs. 2000 Plus Swift charges if any.
Collection 0.13 % of bill amount, Min Rs. 1000
(c) If documents are sent Rs. 1,000/- (flat
to us by other banks
for collection under
restricted L/C
viii) Handling of Duty 0.35% per claim - Minimum Rs. 500/- per claim
Draw-Back Claim
03
xi) Services Charges on 0.4 % - Minimum Rs.500/- per claim
Handling of Research
and Development
(RnD) Cases
xii) Over Due Mark-up on @3% over the rate of Mark-up charged - Minimum
Discounted Bill Under Rs. 500/-
Inland L/C Payment Not
Received on Due Date
xix) Handling & Service Rs. 1,000 per bill for all overdue bills
Charges For Overdue
Export Bills Reporting
04
C. GUARANTEES
ii) For Foreign Guarantees 0.50 % per quarter or part thereof - Minimum
Issued Against Bank Counter Rs 1,000/- plus charges of correspondents
Guarantee
Note:
(i) For customers with Annual Guarantees volume of Rs. 20mn and over, commission charges will be negotiable.
Minimum Rs. 500/-.
(ii) Amendment other than increase in amount extension period Rs. 500/-.
(iii) Guarantees against 100% cash margin/lien on current account, guarantee commission will be negotiable.
(iv) Each Guarantee issued by us will be for a specific amount, with an expiry date and a date by which claims
are to be lodged.
Guarantees issued to Collector 0.50% per quarter or part thereof - Minimum Rs. 1,000/-
of Custom in lieu of payment
of Export Duty which are valid
up to 6 months
05
D. REMITTANCES
i) Foreign Outward Drafts/ USD 10/- equivalent, PLUS additional 0.50% (minimum USD 20/-)
T.T.s/Others where remittances are made against Cash Deposit in FC accounts
within 30 days of Deposit for all currencies
ix) FCY Cash Handling Charges Less than USD 1,000/- or equivalent -
1.5%, Minimum Rs. 1,000/-
Above USD 1000 or equivalent - 1.2%,
Minimum Rs. 1,000/-
Note:
Deposit of small denominations of USD 25/- & USD 50/-, will be charged at a rate of 1.75%. Minimum Rs. 1,000/-
E. MISCELLANEOUS
iv) Fax Charges if Requested Rs. 50/- per sheet (within city)
by Customer Rs. 100/- per sheet (out of city)
Rs. 250/- per sheet (foreign)
iii) Pay Order in Favor of 0.5% of the amount (Max Rs. 25/- including FED)
Educational Institutions
iv) Items Returned Unpaid
-Outward Clearing Free
-Inward Clearing Rs. 550/- (flat)
-Over the Counter Rs. 450/- (flat)
v) Cancellation of Pay Order/ Rs. 1,000/- per instrument
Demand Drafts
vii) RTGS Charges Days Transaction Processing Time Windows Per Transaction Charges
Multiple credit transfer (within same bank) with lower value limit of
Rs. 100,000/- for each transaction:
B. INLAND TRADE
INLAND LETTERS OF CREDIT
Note:
(i) The above commissions at (a), (b) & (c) is subject to adjustment after obtaining approval of competent authority
based on annual volumes & arrangements with customers.
(ii) In case commission is for account of beneficiary, it should be recovered upfront from the openers at the time of
opening the LC. On receipt of proceeds plus LC opening commission, the LC commission so received should be
credited to opener's Account.
05
vii) Authorities to encash cheques No commission by issuing branch but charges on purchase of
cheques will be recovered as per item B(ii) ( b) below i.e. 0.40%
Minimum Rs.15/- plus courier charges
C. BILLS
i) Collections
(a) Documentary
- through our own branches 0.35 % OR Minimum Rs. 200/- plus postage/courier charges
- through branches of other banks 0.50 % OR Minimum Rs.200/- plus postage/courier charges
under arrangements where
commission is shared. These
charges will also apply in case a
collection is sent to the drawee
branch of another bank
- through our own branches 0.30 % OR Minimum Rs.50/- & Maximum Rs.5,000/-
plus postage/courier charges
Returning Charges for Documentary Rs. 150 per bill / instrument plus postage / courier charges
& Clean Collections in case the
instruments are returned unpaid
Purchase of Bills, Cheques etc.
Documentary Bills other than those Same charges as for collection as indicated at
drawn against LC and Clean Bills / (i) a. and b. above plus Markup from date of purchase to
Trade Cheques date of payment plus postage/courier charges from drawer
or drawee as per arrangements between them.
ii) If retired after 21 days paisas 49 per Rs. 1,000/- per day
08
a) Markup on Import Bill under LC 20% p.a plus other charges as per SOC.
Overdue markup from PAD
lodgment / negotiation date to
date of payment.
Usance Bills:
At Negotiating End, in case of paisas 50 per Rs.1,000/- per day from the date of
purchase purchase till maturity
At Negotiating End, in case of paisas 50 per Rs.1,000/- per day from the date of
purchase purchase till maturity
If bill matures after expiry of LC 0.10 % or Rs. 2,000/- whichever is higher, is to be recovered at the
time of retirement of the cases which are beyond validity of
LC.Number of days from LC validity date till retirement date.
However, no commission is to be charged if the maturity/payment
period of the bills falls within the period for which LC opening
commission has already been recovered.
if bill remains unpaid 20 % flat overdue Markup from due date till date of payment
after due date
Note:
(i) All other charges as per notes a. to c. and e. above, where ap plicable, shall also be applicable.
(a) Documentary Bills Same Charges as for collection as indicated at 1 (a) above,
Other than those Drawn plus mark-down 0.75% for every 15 days or part thereof
Against Letter of Credit
and Clean Bills/
Trade Cheques
(b) Other Cheques/Demand 0.40% - or Minimum Rs 25/- plus postage / courier charges
Instruments like Dividend
Warrants etc.
D. ADVANCES
Following Charges will be recovered in addition to mark-up/return on investment
(i.e. Charges for Documents, In addition Project Examination Fee up to and Commitment
Evaluation of 1% Security Fee up to 1% (where applicable in each case)
and Maintenance thereof etc)
ii) For Advance against
Pledge/Hypothecation
Charges will be Levied
as follows:
(i) Arranging CIB Report Rs. 50/- (can be waived on management’s discretion)
from State Bank
(Per Company/Individual)
Corporate SME
(p) Initial Review of Credit
Facilities 0.12% of facility OR Minimum 0.12% of facility OR Minimum
Rs. 18,000/- whichever is higher Rs. 6,000/- whichever is higher
06
(r) Temporary Extension of Credit 0.06% of facility OR Minimum 0.06% of facility OR Minimum
Facilities Rs. 9,000/- whichever is higher Rs. 3,000/- whichever is higher
(s) Issuance of NOC (on customer's Processing fee Rs. 5,000/-
request) for Creating Additional/Pari
Passu Charge/Second Charge/Specific
Charge on their Current/Fixed Assets
for Acquiring Further Finance from
Other Banks/Financial Institutions.
(t) Issuance of No Objection Processing fee Rs. 5,000/-
for Vacation of Charge
(u) Credit Reports Issued Processing fee Rs. 3,000/-
on Behalf of the Client
(v) Nominal Fee for At Actual
Pledge Call Option
(w) Verification of Mortgage At Actual
Properties from Registrar/
Patvari Site Visit
(x) Cash Collection Services Rs. 2,000/- per month (Conditions Apply)
i) Standing Instruction Fee Rs. 500/- per transaction apart from the relevant Charges on
remittance, where applicable
For clients’ staff salaries disbursements (as per agreed
arrangement)
i) Credit to account(s) with Bank- NIL
ii) Pay Order/Draft Rs. 70/-
Postage/Courier Charges
i) Within city Rs. 70/-
ii) Outside city Rs. 125/-
ii) Account to Account Rs. 100/- (Not applicable on Current Accounts)
Transfer
F. PROPRIETARY ATM/VISA
DEBIT CARD CHARGES
i) ATM Cash Withdrawal Charges Free on JS Bank ATMs
Rs. 18.75/- (other Bank’s ATMs)
unless waived as per product features
ii) Chip Maintenance Charges Rs. 500/- per annum
(Chip Debit Cards)
iii) Proprietary Card Issuance Fee NIL
07
viii) International ATM Cash Rs. 850/- per transaction or 4%, whichever is higher
Withdrawal
Mastercard
DEBIT CARD CHARGES
Mastercard Debit Card issuance Fee Nil
Mastercard Annual Fee
Mastercard Gold Rs. 1,200/-
Mastercard Gold Supplementary Rs. 600/-
Mastercard Titanium Rs. 2,200/-
Mastercard Titanium Supplementary Rs. 1,100/-
Mastercard Platinum Rs. 4,000/-
Mastercard Platinum Supplementary Rs. 2,000/-
Mastercard World Rs. 18,000/-
Mastercard Prepaid Card Annual fee Rs. 1,100/-
Mastercard Prepaid card reissuance Rs. 800/-
Mastercard Reissuance/Upgrade
Mastercard Gold Reissuance Rs. 800/- (Principal & Supplementary Cards)
Mastercard Titanium Reissuance Rs. 1,400/- (Principal & Supplementary Cards)
Mastercard Platinum Reissuance Rs. 2,000/- (Principal & Supplementary Cards)
Mastercard World Reissuance Rs. 10,800/- (Principal & Supplementary Cards)
Mastercard Rs.1,400/- (Principal & Supplementary Cards)
Gold to Titanium Upgrade
Mastercard Titanium to Rs. 1,600/- (Principal & Supplementary Cards)
Mastercard Platinum/Gold Upgrade
Mastercard Gold to Rs. 2,500/- (Principal & Supplementary Cards)
Mastercard Platinum Upgrade
Mastercard Debit to Mastercard Debit Card will be cancelled &
Visa Debit Card (switching fee) full Visa subscription charges will apply for
the selected category
Visa Debit to Mastercard Free
(switching fee)
G. eBANKING SERVICES
i) SMS Alerts Rs. 1,600/- per annum
ii) Payment Card Transactional SMS Alerts Rs. 0.4 per sms
iii) eStatements Free
iv) Internet Banking Registration Free
v) Utility Bills Payment Service (UBPS) Free
vi) IBFT (Inter Bank Funds Transfer) Through ATM: Rs. 120/- per transaction
Through Mobile & Internet Banking: Rs. 80/- per transaction
vi) Mobile Banking Rs. 1,450/- per annum
08
iii) Debit PIN Free
Issuance and Change
iv) TPIN Issuance and Change Free
v) Visa Debit Card Blocking Free
I. MISCELLANEOUS CHARGES
i) Stop Payment of For Local Currency Accounts
Cheques Drawn on Us Rs. 500/- for one cheque
Rs. 800/- for multiple cheques in a cheque book/entire cheque book
For Foreign Currency Accounts
USD 5/- per cheque
ii) Duplicate Statement Rs. 35/- per statement
vii) Issuance of Proceeds Free if the proceeds are credited to an account with the
Certificates for Remittance drawee bank. In other cases the Charges are to be recovered
Received 6 Months or Earlier as applicable for the specific mode of payment desired by
the beneficiary.
viii) Miscellaneous Certificates Rs. 140/- (per certificate)
Late Fee of 10% will apply if fees are not paid within 30 days of renewal
xiii) Issuance of Chequebooks Rs. 25/- per leaf (if average balance is below Rs. 50,000/-)
Rs. 12.5/- per leaf (for first chequebook or if average balance is
above Rs. 50,000/-)
xiv) Account Maintenance Rs. 50/- per month if average balance is below Rs. 50,000/-, except
Charges on Kamiyab Business Account, PLS Savings, BBA, JS Asaan Current Account,
JS Asaan Savings Account, Rupee Current Account, JS Elite Current Account,
JS Elite Plus Current Account, JS Platinum Business Account, and
JS Premium Current Account
09
xvi) Transaction Charges
b) Intercity Clearing Charges Rs. 375/- per transaction if average balance is below Rs. 50,000/-
(Outward) (Excluding all LCY Current Accounts)
c) Online Transaction Charges Rs. 375/- per transaction if average balance is below Rs. 50,000/-
(Intercity) (Excluding all LCY Current Accounts)
xvii) Fee for Verifying and Rs. 50/- per scrip – Maximum Rs. 1,000/-
Marking Lien on
Government Securities Issued
by Us on Request by Third Party
xviii) Fee for Issuance of Rs. 575/- per certificate
Confirmation/Investment
Certificate against
Government Securities
(SSCs, DSCs, USDBs)
xix) Excise/Stamp Duty As per regulations
xx) Custodial Services
Charges on Investment
Portfolio Security
Accounts (IPS) with SBP
Balance up to No Charges
Rs. 1mn per Issue
Balance more than 0.020% per issue
Rs. 1mn per Issue
IPS Transfer Charges Rs. 1,000/- flat per transaction
J. FEE WAIVERS
i) JS Business Raabta Current Account*
* Applicable for Individuals, Sole Proprietorships, Partnerships, Public and Private Limited Companies.
** Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance
of first completed month. In case of account opened in the current month, waivers will be based on actual balance in the account.
*** Waiver of Charges is on the basis of average balance of the previous month. For accounts opened during the month, charges will be
reversed on day-end balances.
10
ii) JS Privilege Raabta Current Account
* Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance
of first completed month. In case of account opened in the current month, waivers will be based on actual balance in the account.
** Waiver of Charges is on the basis of average balance of the previous month. For accounts opened during the month, charges will
be reversed on day-end balances.
* Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance
of first completed month. In case of account opened in the current month, waivers will be based on actual balance in the account.
** Waiver of Charges is on the basis of average balance of the previous month. For accounts opened during the month, charges will
be reversed on day-end balances.
11
iv) JS Premier Raabta Current Account
* Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance
of first completed month. In case of account opened in the current month, waivers will be based on actual balance in the account.
** Waiver of Charges is on the basis of average balance of the previous month. For accounts opened during the month, charges will
be reversed on day-end balances.
* Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance
of first completed month. In case of account opened in the current month, waivers will be based on actual balance in the account.
** Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance of
first completed month. In case of account opened in the current month, waivers will be based on actual balance in the account.
12
vi) JS Platinum Business Account*
m) Courier/Postage Free
* Applicable for Individuals, Sole Proprietorships, Partnerships, Public and Private Limited Companies.
** Waiver of Charges is on basis of average balance of the previous month. Charges will be applied based on average balance
of first completed month. In case of account opened in current month, waivers will be applied based on actual balance in the account.
*** Waiver of Charges is on the basis of average balance of the previous month. For accounts opened during the month, Charges will be
reversed on day-end balances.
* Subject to availability of vacant lockers at the branch where the account is maintained.
** Waiver of Charges is on the basis of average balance of the previous month. Charges will be applied based on average balance of first
completed month. In case of account opened in the current month, waivers will be applied based on actual balance in the account.
13
viii) Kamiyab Business and LCY Current Account
g) Courier/Postage Free
f) IBFT Free
f) IBFT Free
14
xi) PLS Savings Account/Rupee
Plus Savings Account
g) Courier/Postage Free
Minimum Monthly Average 300 GBP, 400 Euro & 500 USD
Balance Requirement
b) Account Maintenance Charges applicable in USD equivalent of Rs. 50/- inclusive of FED
Charges Charges applicable in GBP equivalent of Rs. 50/- inclusive of FED
Charges applicable in EUR equivalent of Rs. 50/- inclusive of FED
15
xiii) Muhib–e–Watan Account**
Free Services
a) Chequebook Issuance 1st Chequebook Free (25 leaves)
Additional Free Services Rs. 100,000/- and above Monthly Average Balance ***
e) Courier/Postage Free
* Subject to availability of vacant lockers at the branch where the account is maintained.
** Applicable for individuals, sole proprietorships and partnerships accounts.
*** Waiver of Charges is on the basis of average balance of the previous month.
16
K. INVESTMENT BANKING
Transaction Fee
Custody Fee
Blocked Securities 0.025% p.a. (Last closing rate when security was blocked)
Major Shareholders 0.025% p.a. (Market value)
17
Withdrawal Fee
For Shares Rs. 0.15/- per share
Statement Request Fee Rs. 15/- per page or Rs. 175/- per statement
request, whichever is higher
iv) Vehicle Repossession At Actual (minimum Rs. 35,000/-, depending on car value/
Charges repossession, relocation and outstanding loan amount)
M. TERM DEPOSITS Any early/premature encashment of Term Deposits (any term), Profit shall
PENALTY CHARGES be paid out on the last completed declared tenure as per applicable rack rates
at the time of booking of TDR in accordance with the approved policy, or as per
agreement with the customer
18
N. JS GharApna Home Loans
i) Processing Fee Rs. 10,000/-
ii) Legal Documents At Actual
iii) Appraisal Charges At Actual
iv) Legal Opinion At Actual
v) Prepayment Charge - BTF 5% of the outstanding principal
to Other Banks
vi) Prepayment Charges
- Full Settlement
1st Year 5% of the outstanding principal
2nd Year 4% of the outstanding principal
3rd Year 3% of the outstanding principal
4th Year 2% of the outstanding principal
5th Year 1% of the outstanding principal
6th Year onwards NIL
vii) Income Estimation At Actual
viii) Late Payment Fee Rs. 1,000/- per instance
ix) Cheque Return Charges Rs. 900/- per returned cheque
x) Balloon Payment/Partial 3% of the Payment
Settlement, Once in a Year
(Max 25% Outstanding amount)
O. JS GharApna
Solar Panel Financing
i) Processing Fee Rs. 10,000/- plus FED
ii) Insurance Charges At Actual
P. Consumer Durables
i) Service Charges/Mark-up Rate 30% p.a.
ii) Processing Fee Rs. 1,000/- + FED
iii) Late Payment Charges Rs. 500/- + FED
iv) Prepayment Penalty
5%
v) Cheque Return/Autopay Rs. 500/- + FED
Rejection Fee
vi) Goods Delivery Charges At Actual
vii) Litigation Charges At Actual
Q. JS FAURI FINANCE
i) Application Charges Rs. 2,000/-
ii) Chequebook Issuance 1st Chequebook Free (10 leaves)
iii) Cancellation Processing Fee Rs. 800/-
v) Legal Document Stamping At Actual
R. SME
i) Arrangement Fee Minimum Rs. 3,000/-
ii) Review Fee Minimum Rs. 3,000/-
iii) Interim Fee Minimum Rs. 3,000/-
19
S. JS GOLDFINANCE/
ZARKHEZ GOLDFINANCE
i) Processing Charges 1.2% of Gold Value - Maximum Rs. 12,000/-
ia) Same Day Disbursement Fees Rs. 2,000/-
ii) Processing Charges - Term Finance 1.5% of Gold value - Maximum Rs. 15,000/-
iii) Valuation Charges by Goldsmith Rs.20/- per gram - Minimum Rs. 1,500/-
iv) Legal Document Stamping At Actual
v) Prompt Payment Bonus Incorporated in Loan Pricing at 2%
(if payment is received within due date)
vi) Facility Renewal Rs. 3,000/-
Processing Charges
vii) Pre-payment Charges - Full Settlement
a) 1st Year 3% of the outstanding principal (Maximum Rs. 15,000)
b) 2nd Year 2% of the outstanding principal (Maximum Rs. 10,000)
T. JS Khud Mukhtar
Women Entreprenuer Financing
(i) Processing Fee No Processing Fee
(ii) Insurance Charges At Actual
20
xi) Credit Protector 0.48% of monthly outstanding amount
xii) International ATM/POS 4%
xiii) Document Retrieval Charges
Local Rs. 300/-
xiv) Document Retrieval Charges
International Rs. 850/-
xv) SMS Alerts NIL
xvi) Arbitration / Charge Back USD 500/-
xvii) Litigation Charges At Actual
xviii) Autopay Rejection - Service Fee Rs. 1,200/-
Card Installment Plan Processing Fee Rs. 500/-
CIP Cancellation/Pre adjustment Fee Rs. 500/-
Utility Bill Payment Fee Rs. 25/-
20
ix) Card Replacement Fee
Classic Rs. 500/-
Gold Rs. 800/-
Platinum Rs. 1,200/-
Signature Rs. 3,000/-
x) Balance Transfer/Cash on Call Rs. 700/- per transfer
Processing Fee
xi) Credit Protector 0.48% of monthly outstanding amount
xii) International ATM/POS 3.50%
xiii) Document Retrieval Charges
Local Rs. 300/-
xiv) Document Retrieval Charges
International Rs. 850/-
xv) SMS Alerts NIL
xvi) Arbitration Charges
for Disputed Transactions USD 500/-
xvii) Litigation Charges At Actual
xviii) Autopay Rejection - Service Fee Rs. 1,200/-
Card Installment Plan Processing Fee Rs. 500/-
CIP Cancellation/Pre adjustment Fee Rs. 500/-
Utility Bill Payment Fee Rs. 25/-
20
Consumer Running Finance
i) Service Charges-Mark-up Rate 30.00% p.a.
ii) Processing Fee Rs. 3,000/-
iii) Annual Renewal Fee Rs. 2,000/-
iv) Late Payment Fee Rs. 1,500/-
v) Credit Protector 0.48% on Monthly Outstanding amount
CASH MANAGEMENT
i) One Time System Up to Rs. 50,000/- (Negotiable)
Implementation
21
PRIME MINISTER YOUTH BUSINESS LOAN
(i) Application Processing Fee Rs. 100/-
(ii) Verification of Applicant/Security At Actual
(iii) Legal Document Stamping At Actual
Repossessed Vehicle Storage Charges At Actual (minimum Rs. 2,500/- per month)
Delivery Charges, Taxes & Registration Fee At Actual
Repossession Settlement through Rs. 15,000/-
Agent for Careem
S. JS Smart Roshni -
Solar Panel Financing
(i) Processing Fee Minimum Rs. 5,000/- or 0.5% of loan amount (whichever is higher)
(ii) Insurance Charges At Actual
T. JS School Development
Finance
(i) Processing Fee Minimum Rs. 5,000/- or 0.5% of loan amount (whichever is higher)
(ii) Insurance Charges At Actual
At Actual
Agriculture Financing
(b) Late Payment Charges where Additional 2% mark-up of the outstanding amount
installment or mark-up is overdue
by 60 days or more
22
(c) Enhancement of Limit Prior to Expiry
Limit Processing Charges
Up to Rs. 0.500mn Rs. 1,000/-
From Rs. 0.501mn to Rs. 1.000mn Rs. 2,000/-
From Rs. 1.001mn to Rs. 5.000mn Rs. 4,000/-
From Rs. 5.001mn to Rs. 10.000mn Rs. 7,500/-
Rs. 10.001mn and Above Rs. 10,000/-
ii) Early Adjustment Charges in
Case of DF Facility Only
1 Year Before Expiry Nil
2 Years Before Expiry 2% of the outstanding principal
3 Years Before Expiry 4% of the outstanding principal
4 Years Before Expiry 5% of the outstanding principal
NOTE: Joining Fee/Annual Fee in case of High Volume/Corporate Consumers may be waived on
recommendation of the respective Business Head. In addition changes for Postage Commission/Service
Charges for Postage Commission/Service Charges on Recovery/Tax Changes will also be made accordingly
to the prescribed tariff. In addition to all changes, all prevailing Government Levies will also be changed.
GENERAL
- This tariff is valid at all offices for six months, with effect from 01 Jul 2018.
- Account closing charges are not applicable for Regular Savings Account and JS Asaan accounts.
- All Commissions/Fees are subject to Government Taxes as announced/amended by the Government
from time to time.
- Local agent’s Charges at actual if applicable.
- The Bank reserves the right to determine the applicability of Charges as per arrangement with
customers.
- All Government Excise Duties/Taxes/Zakat etc., are for customer’s account and will be deducted in
addition to the above mentioned Charges.
- Any waiver/reduction in Charges to be allowed as per approval of the competent authority.
Note:
1. All Government Excise Duties/Taxes/Zakat etc., are for customer’s account and will be deducted in
addition to the above mentioned Charges.
2. Out of pocket expenses will be collected for all banking services not otherwise covered by the schedule.
3. Correspondent bank Charges will be recovered at actual, in addition to our Charges as per Schedule.
4. Charges relating to any customer (Individual/Consumer/SME/Commercial/Corporate) may differ as a
result of an agreement between the concerned customer and the Bank.
5. Bank Management reserves the right to adjust or waive any or all Charges. However, such
adjustments/waivers will only be subject to approval of the respective Business Head.
6. Bank Management reserves the right to recover additional Charges on those accounts which involve
unusual work load.
7. Charges are waived for JS Bank’s staff salary accounts except Locker Charges, IBFT Charges, Other Banks’
ATM cash withdrawal/balance inquiry Charges and annual debit card chip maintenance Charges, which
shall be recovered as per SOC.
8. With respect to non-interest charges, JS Bank hereby gives notice to all customers to note changes in
increased charges. In case the revised charges are not acceptable to the customers, they have the right
to exit the contract without penalty, provided such right is exercised by June 30, 2018.
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Sindh Khipro Multan Islamia Road
Karachi Kot Ghulam Muhammad Abdali Road Karkhano Hayatabad
Abul Hasan Isphahani Kotri Bosan Road University Road
Bahadurabad Kunri Vehari Road Abbottabad
Boat Basin Larkana WAPDA Town Phase 1 Bafa
Bohra Pir Maatli Gujrat Bannu
Chase Shaheed-e-Millat Mehar G. T. Road Chakdara
Clifton Block II Mirpurkhas Kacheri Chowk Chitral
Cloth Market Mitthi Kasur D.I. Khan
Dehli Colony Moro Agrow Kasur Haripur
DHA 26th Street Nawabshah Chandni Chowk Mansehra
DHA Bokhari Commercial Pano Aqil Pakpattan Mardan
DHA Kh-e-Ittehad Sanghar Agrow Pakpattan Mattni Changan
DHA Kh-e-Shahbaz Sehwan Shareef Pakpattan Mingora
DHA Khadda Market Shahdadkot Sialkot Nowshera
DHA Korangi Road, Phase 1 Shahdadpur Shahabpura Saleh Khana
DHA Phase VIII Sheikh Bhirkio Sialkot Cantt Shahkas Khyber Agency
DHA Zamzama Shikarpur Paris Road Timergara
Dhoraji Sultanabad Sheikhupura Topi
Electronic Market Tando Adam Agrow Sheikhupura
Federal B. Area Tando Allahyar Sheikhupura Branch Balochistan
Fisheries Tando Jam Agrow Allahabad Theeng Morr Quetta
Garden East Tando Muhammad Khan Agrow Warbutton M.A. Jinnah Road
Garden West Thatta Ali Pur Chatta Quetta Cantt
Gulistan-e-Jauhar Umerkot Arifwala Zarghoon Road
Gulshan Chowrangi Attock Dera Murad Jamali
Gulshan-e-Hadeed Punjab Bahawalpur Duki Harnai
Gulshan-e-Iqbal Lahore Bhakkar Gawadar
Hawksbay Road DHA Airport Road Bhalwal Khanozai Pishin
Hyderi Market Allama Iqbal Town Bhawalnagar Muslim Bagh
IBA City Campus Azam Cloth Market Burewala Usta Muhammad
Islamia College Badami Bagh Chah Chand Wala Jampur
Jheel Park PECHS Baghbanpura Chakwal Azad Jammu & Kashmir
Jodia Bazar Bahria Town Chichawatni Bagh
Karachi Stock Exchange Brandreth Road Chiniot Chaksawari
Korangi Industrial Area Cavalry Ground Daska Charhoi
Landhi Chowburji Dera Ghazi Khan Dadyal
Lucky Star Circular Road Depalpur Dina
M. A. Jinnah Road College Road Dinga Hattian
Malir Cantt DHA Phase VI Gagoo Mandi Jatlan
Marriott Road DHA T-Block Ghakkhar Mandi Khui Ratta
Nazimabad DHA Z-Block GohadPur Kotli
New Challi Ferozepur Road Gojra Mirpur
New Sabzi Mandi Gulberg Gulyana Muzaffarabad
North Karachi Industrial Area Gulshan Ravi Road Hafizabad Naarr
North Napier Ichra Bazaar Haroonabad Rawalakot
North Nazimabad Johar Town Hasilpur Sehnsa
Ocean Mall, Clifton M. M. Alam Road Jalalpur Jattan Seri
Orangi McLeod Road Jauharabad
Paposh Nagar Model Town Jehlum Gilgit-Baltistan
Park Towers, Clifton Mughalpura Jhang Chilas
Progressive Centre, Shahrah-e-Faisal New Garden Town Kachi Jamal Khanpur Gilgit
Regal Chowk, Saddar Raiwind Road Kamoki
Safoora Goth Shadbagh Khanewal Federal Capital
Shah Faisal Colony Shadman Town Kharian Bara Kahu
Shaheen Complex Shah Alam Market Lalamusa Blue Area
Shahrah-e-Faisal Shahdara Layyah DHA Phase 2
Shershah Sunder Industrial Estate Lodhran E-11
S.I.T.E. The Mall Branch Mandi Bahauddin F-7
Sohrab Goth Timber Market Ravi Road Mandi Faizabad F-8
Teen Talwar Clifton Upper Mall Mian Chunnoo F-10
The Center Saddar Urdu Bazar Mouza Gajju Hatta Shujabad G-11
Timber Market Valencia Society Mouza Ghalwan Alipur G-13
U.P. Morr Walton Road Mouza Parhar Sharqi G-15
Urdu Bazar WAPDA Town Muridke Gulberg Green
Hyderabad Zarrar Shaheed Road Muzaffargarh I-8
Anaj Mandi Rawalpindi Nankana Sahib I-9
Citizen Colony AECHS Narowal Islamabad Stock Exchange
Cloth Market Bahria Town, Phase 4 Nekapura Sialkot Khanna Pul
DHA Bahria Town, Phase 7 Okara NPF 0-9, PWD Road
Latifabad Bank Road Pir Mahal Tarlai
Latifabad Unit No VI Chakri Road Qaboola
Qasimabad Falcon Complex Khanna Road Rabwa Bahrain
Saddar Bazar Khayaban-e-Sir Syed Rahim Yar Khan Manama
SITE Hyderabad Kurri Road Sadiqabad
Sukkur Lalazar Rawalpindi Cantt Sahiwal
IBA Sukkur Peshawar Road Chak 89 Dist. Sahiwal
Military Road Raja Bazar Sambrial
Shaheed Gunj Range Road Sargodha 0800.011.22
Badin RCCI Industrial Estate Rawat Talangang
Bhiria City Saidpur Road Taxila
Chak 41 Jamrao Sanghar Sattelite Town Toba Tek Singh www.jsbl.com
Chambar Faisalabad Ugoki
Dadu Ghulam Mohammad Abad Vehari 323 Branches
Dharki Grain Market Wazirabad in 161 Cities
Digri Gulistan Colony Wah Cantt
Ghotki Karkhana Bazar Agrow Chishtian
Golarchi Liaquat Road
Jacobabad Satiana Road Khyber Pakhtunkhwa
Jamshoro Gujranwala Peshawar
Kandhkot Bank Square Dabgari Gardens
Kashmore G. T. Road G.T. Road
Khairpur Sheikhupura Road Grain Market