JS Bank Car Loan Calculator 2026
JS Bank Car Finance β estimate your monthly installment instantly.
Rates last reviewed: November 2026 Β· 1-Year KIBOR 10.89%
JS Bank Calculator
Adjust the fields below to estimate your monthly installment
About JS Bank Car Finance
JS Bank, part of the Jahangir Siddiqui Group, is known for a modern, digitally-forward approach to retail banking in Pakistan. Its consumer auto finance product ("JS Drive") offers financing for both salaried and self-employed individuals, covering new and used locally assembled vehicles with a maximum financing limit of PKR 5,000,000.
The bank emphasizes a relatively streamlined application experience, and existing JS Bank customers with a salary or deposit relationship may benefit from faster processing. Repayment tenure extends up to 5 years, and the markup rate is variable, tracking broader market conditions.
Eligibility Criteria
π Salaried Individuals
- Pakistani national with valid CNIC
- Minimum 6 months in current employment
- Verifiable, regular monthly income meeting the bank's threshold
- Clean eCIB credit history required
- Debt Burden Ratio within the bank's approved limit
- Existing JS Bank customers may benefit from faster processing
π’ Self-Employed / Business
- Pakistani national with valid CNIC
- Minimum 1 year of continuous involvement in current business
- Verifiable business income through bank statements
- Valid business registration / NTN where applicable
- Clean eCIB credit history required
- Debt Burden Ratio within the bank's approved limit
Required Documents
π Salaried Individuals
- Copy of valid CNIC
- Latest salary slip (last 1-3 months)
- Employment/service confirmation letter
- Last 6 months' personal bank statement
- Vehicle proforma invoice from an authorized dealer
- Recent passport-size photographs
π Self-Employed / Business
- Copy of valid CNIC
- Business proof β NTN, partnership deed, or registration certificate
- Last 6 months' business bank statement
- Latest tax return where applicable
- Vehicle proforma invoice from an authorized dealer
- Recent passport-size photographs
How to Apply
JS Drive applications can be started at any JS Bank branch, with select steps available digitally.
Calculate
Estimate your monthly installment using the calculator above.
Apply
Visit your nearest JS Bank branch or check the JS Bank website for digital application options.
Submit Documents
Provide CNIC, income proof, bank statements and the vehicle proforma invoice.
Approval & Delivery
Once approved, pay your down payment and take delivery of your vehicle.
How This Estimate Is Worked Out
The calculator uses the reducing balance method that Pakistani banks use for car finance: each month's markup is charged only on the amount still outstanding, so the share going to the car's price grows every month. We use an indicative rate of 15.50% a year for JS Bank Car Finance; the bank quotes your actual rate after it reviews your income and credit report.
For example, on a PKR 3,000,000 car with the minimum down payment, the bank finances PKR 2,100,000. Over 5 years (60 months) the monthly installment comes to about PKR 50,512, and you pay roughly PKR 930,702 in markup over the full term. SBP rules cap the amount any one person can borrow for cars across all banks at PKR 3,000,000, ask for at least 30% down, and limit cars above 1000cc to 3 years, so the calculator applies those limits automatically. Read how we calculate for the full method.
JS Bank Car Installment Plan 2026
Monthly installment for popular locally assembled cars at JS Bank's indicative markup of about 15.50% a year. Prices are the makers' listed ex-factory prices on 4 November 2026. Each row follows SBP rules: at least 30% down, no more than PKR 3,000,000 financed, and a maximum of 3 years for cars above 1000cc. That is why the down payment on bigger cars is more than 30%.
| Car | Down payment | 3 yrs / month | 5 yrs / month |
|---|---|---|---|
| Suzuki Every VXR | 889,560 | 72,462 | 49,926 |
| Suzuki Alto VXR | 898,458 | 73,187 | 50,425 |
| Suzuki Alto VXR AGS | 949,944 | 77,381 | 53,315 |
| Suzuki Alto VXL AGS | 997,934 | 81,290 | 56,008 |
| Suzuki Cultus VXR | 1,226,847 | 99,937 | 68,856 |
| Suzuki Cultus VXL AGS | 1,591,460 | 104,732 | 72,160 |
| Suzuki Swift GL | 1,460,160 | 104,732 | 3 yrs max |
| Suzuki Swift GLX CVT | 1,766,190 | 104,732 | 3 yrs max |
| Toyota Yaris 1.3 GLi MT | 1,649,000 | 104,732 | 3 yrs max |
| Toyota Yaris 1.3 GLi CVT | 1,809,000 | 104,732 | 3 yrs max |
| Honda City 1.2LS | 1,737,000 | 104,732 | 3 yrs max |
| Honda City Aspire 1.5 | 3,069,000 | 104,732 | 3 yrs max |
| Suzuki Fronx GL 5MT | 2,999,999 | 104,732 | 3 yrs max |
| Toyota Corolla 1.6 MT | 3,099,000 | 104,732 | 3 yrs max |
| Toyota Corolla Altis 1.8 CVT | 4,029,000 | 104,732 | 3 yrs max |
| Hyundai Elantra 1.6 SE | 3,449,000 | 104,732 | 3 yrs max |
| Honda HR-V VTi-S | 4,299,000 | 104,732 | 3 yrs max |
| Toyota Corolla Cross 1.8 | 4,235,000 | 104,732 | 3 yrs max |
| Honda Civic Oriel | 5,834,000 | 104,732 | 3 yrs max |
All figures in PKR. Insurance or takaful (roughly 1.5β3% of the car's value a year), tracker, registration and withholding tax are extra and paid upfront or yearly. The bank's final rate depends on your profile and KIBOR on the day of approval. See the installment plan for all 24 banks or check which car your salary can finance.
Frequently Asked Questions
Ready to Apply for JS Bank Car Finance?
Calculate your installments above, then apply directly.