PACRA upgrades JS Investments to AM1

November 06, 2025 (MLN): JS Investments Limited (PSX:JSIL) has been upgraded to AM1 (Stable) by The Pakistan Credit Rating Agency (PACRA).

The upgrade reflects JSIL’s ongoing elevation in governance and operational quality, a research-driven investment process delivering strong risk-adjusted performance, and broader retail participation through digital channels and pensions solutions.

As of end-September 2025, JSIL’s AUM increased 50% YoY with an estimated 3.72% market share.

Advisory/SMA mandates contribute meaningfully to scale, while earnings momentum remains robust (management fee income +132% in 9M-CY25; PAT Rs370m). Investor concentration has continued to decline, supported by recurring inflows from provincial pensions, digital onboarding, and expanding Wealth Centers.

Iffat Mankani, CEO, JS Investments, stated that “AM1 is an important validation of our governance standards, research depth, and client-centric execution. We will keep scaling digital access, pensions, ETFs, and outcome-oriented products so more savers can invest confidently across cycles.”

JSIL, founded in 1995 is Pakistan’s first private sector asset management company.

The firm manages mutual funds, pension funds, ETFs, SMAs, and REITs, and is part of the JS Group one of Pakistan’s leading financial services groups. JS Bank Limited holds 85% of JSIL.

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