Financing & Subsidy
We help you take advantage of available government subsidies, bank financing and optimized ROI structures so your decision to go solar is financially straightforward.
Government subsidies
Residential customers may be eligible for central and state-level subsidies under various rooftop solar programs. These subsidies are typically linked to system capacity and installation type, and are disbursed through empanelled vendors and DISCOMs.
Our team guides you on current schemes, eligibility criteria and documentation requirements, and supports you through the application process.
EMI & bank financing
We collaborate with lending partners to offer EMIs and structured loans for eligible homeowners and businesses. In many cases, the monthly EMI can be comparable to or lower than your current electricity bill.
We can help you compare options and choose a tenure and structure aligned with your cash flow preferences.
PM Surya Ghar: Muft Bijli Yojana
The Government of India's PM Surya Ghar scheme aims to install rooftop solar in 1 crore households, offering central financial assistance (CFA) and optional collateral-free loans. Subsidy is transferred directly to your bank account (DBT) after installation and inspection.
Central subsidy (CFA)
- • ₹30,000 per kW for capacity up to 2 kW
- • ₹18,000 per kW for additional capacity from 2 kW to 3 kW
- • Maximum subsidy cap: ₹78,000 (for systems above 3 kW)
Examples: 1 kW → ₹30,000 | 2 kW → ₹60,000 | 3 kW → ₹78,000
Eligibility
- • Indian citizen with own residential property
- • Valid electricity connection in your name
- • No prior subsidised rooftop solar under the scheme
- • Bank account for direct benefit transfer
Benefits & application
- • Typical savings ~₹15,000/year (up to 300 units/month)
- • Collateral-free loans at ~7% (e.g. 0.5% above Repo Rate)
- • Apply on national portal: pmsuryaghar.gov.in
- • State-level top-ups (e.g. up to ₹30,000) may apply in some states
We help you understand eligibility, documentation and the DISCOM approval process, and can install your system as per scheme requirements so you receive the subsidy without hassle.
Sample ROI scenarios
- A 5 kW residential system with subsidy can achieve payback in approximately 3–4 years, followed by decades of low-cost power.
- A 100 kW commercial system may see 3–4 year payback, especially when combined with accelerated depreciation benefits.
- Industrial plants with higher tariffs and daytime usage often see attractive IRR and strong cash flow from the first year.
Every property is unique. Our proposals include detailed cash flow, payback and IRR calculations tailored to your tariff, usage and financing preferences.