PM Surya Ghar Solar Financing • Lowest 7.00% p.a. Interest Rate

Solar EMI & Easy Finance Options

Make Solar 100% Affordable with ₹0 Down Payment & Flexible EMI Plans

Switch to clean solar power with zero upfront investment. Enjoy subsidized interest rates starting at 7.00% p.a., zero collateral security, up to 7 years repayment tenure, and let your monthly electricity bill savings pay off your loan.

Interest Rate

7.00%

Govt Concessional

Max Tenure

84 Mos

Up to 7 Years

Collateral

₹0

No Property Mortgage

Sanction Time

48 Hrs

Fast Paperless KYC

Lowest Rate • 7.00%

Interest Rate7.00% – 8.50%

Bank Loan

Solar loans from nationalized banks (SBI, PNB, BOB, Canara Bank) with up to 7 years tenure and PM Surya Ghar subsidy tie-up.

Zero collateral security up to ₹6 Lakhs

Flexible tenure up to 84 months (7 Years)

Zero prepayment & foreclosure penalty

Direct ₹78,000 subsidy DBT adjustment

Fast 24-Hr Sanction

Approval Time24 – 48 Hours

NBFC Finance

Quick digital approval from private finance partners (Tata Capital, HDFC, ICICI, L&T) with minimal paperwork and doorstep KYC.

100% digital & paperless processing

Minimal documents (Aadhaar, PAN, Light Bill)

Flexible tenure from 12 to 60 months

Doorstep verification & instant disbursal

100% Funded • Pay ₹0

Down Payment₹0 Upfront

Zero Cost EMI

Select schemes offering zero-down-payment EMI that can be fully paid directly from your monthly electricity bill savings.

Pay ₹0 from your pocket today

EMI starts only after solar generation begins

Solar bill savings > Monthly loan EMI

Includes free 5-year insurance & AMC

Live Loan Estimator

Solar Loan EMI & Monthly Savings Calculator

Select your plant size or adjust sliders to see exact monthly EMI, interest costs, and how much money you save each month.

Step 1: Choose Plant Capacity

Select standard rooftop system size

Package Pricing & Govt Subsidy Schedule

Principal Loan Amount

Amount financed by the bank

₹1,32,000

₹50,000₹4,00,000₹7,70,000

Down Payment0% (₹0)

Interest Rate7.00% p.a.

Repayment Tenure

Estimated Monthly EMI3 kW System

₹2,614/ month

Avg Monthly Bill Saved:+ ₹3,600

Monthly Solar Loan EMI:- ₹2,614

Net Monthly Savings:+ ₹986 / mo

Total Financed Amount:₹1,32,000

Total Interest Payable (5 Yrs):₹24,840

Total Repayment Over Tenure:₹1,56,840

Create Quotation with this EMI →

*Indicative calculation. Final sanction & exact interest rate subject to bank credit verification.

Bank Tie-ups & Low Interest Schemes

Empanelled With India's Top Banking Partners

SBI

State Bank of India 7.00% p.a.

PNB

Punjab National Bank 7.00% p.a.

BOB

Bank of Baroda 7.15% p.a.

CANARA

Canara Bank7.00% p.a.

HDFC

HDFC Bank9.50% p.a.

ICICI

ICICI Bank9.75% p.a.

TATA

Tata Capital10.00% p.a.

L&T

L&T Finance10.25% p.a.

Simple 4-Step Process

How Solar Financing Works with Sanwariya Solar

Free Site Survey

Our solar engineer visits your roof, inspects shadow-free space, and suggests the ideal KW size.

Digital KYC & Sanction

We submit your Aadhaar, PAN & electricity bill to our bank partner for rapid 24-48 hr sanction.

Rooftop Installation

Top-tier Tier-1 Mono PERC panels and DCR inverters installed with net-metering synchronization.

Subsidy & Zero Bill

Government subsidy deposited straight into your bank via DBT. Start saving up to 90% on bills!

Who is Eligible?

Basic requirements to qualify for a solar loan

Residential Property OwnerApplicant must own an independent house, villa, duplex, or shadow-free rooftop.

Active Electricity ConnectionElectricity bill should be in the applicant's or co-applicant's name.

Age & Income ProfileAge 21–65 years (Salaried, Self-employed, Business, Pensioner, or Agriculturist).

CIBIL Score: 650+Clean track record of past loan repayments and electricity bill payments.

Required Documents

Minimal paperwork for doorstep processing

Aadhaar Card

Identity & address proof

PAN Card

Mandatory KYC

Latest Electricity Bill

Consumer ID verification

6 Months Bank Statement

Income validation

Passport Size Photos

2 Recent photographs

Sanwariya Solar Quotation

Prepared by our team

Need help compiling documents?

Our executive will visit your home for digital KYC.

Call: +91 9887701328

Got Questions?

Solar Loan Frequently Asked Questions

Start Saving with Solar Today — ₹0 Down Payment

Book a free site inspection. We will calculate your exact EMI, subsidy amount, and handle complete bank paperwork.

View Quotation Builder