Rooftop solar qualifies as a priority-sector retail loan. Most homeowners finance the amount left after the ₹78,000 subsidy and let the monthly electricity saving cover most of the EMI.
Calculated at 9.5% annual interest over 60 months on the post-subsidy amount, against the electricity you stop paying for.
| System | Loan amount (after subsidy) | EMI / month | Electricity saved / month | Net monthly outgo |
|---|---|---|---|---|
| 3.3 kWp | ₹86,000 | ₹1,806 | − ₹3,500 | Savings cover the EMI |
| 3.85 kWp | ₹1,10,800 | ₹2,327 | − ₹4,100 | Savings cover the EMI |
| 4.4 kWp | ₹1,36,500 | ₹2,867 | − ₹4,700 | Savings cover the EMI |
Illustrative only. Your actual rate, tenure and processing fee are set by your lender based on credit profile. Subsidy amount and eligibility are governed by the Government of India's PM Surya Ghar scheme guidelines and are subject to change. Final amount depends on DISCOM approval.
Rooftop solar is a priority-sector retail loan. Typical terms: 70–80% of project cost funded, 8.5–10.5% interest, tenures of 3–7 years, minimal or no collateral for residential systems up to 3 kW.
If you have a running home loan, a top-up is usually the cheapest route and needs the least paperwork. We share the quotation and technical documents your lender asks for.
Several banks run 6–12 month no-cost EMI offers on card transactions for solar equipment. Availability changes month to month, so we confirm what is live before you commit.
We are an equipment supplier and installer, not a lender or loan agent - we take no commission on your financing. Compare offers and pick whatever is cheapest for you.
We'll send the quotation and technical sheet lenders ask for, along with your subsidy eligibility.