above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Composite: ₹50,000 minimum to ₹6 lakh maximum. Standalone: up to ₹6 lakh. Financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Resident individuals, singly or jointly, salaried or earning from business/profession/agriculture, who own the residential property or terrace rights. Composite is for borrowers taking a fresh Bank of Baroda home loan
standalone is the solar-only facility.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Composite: ₹50,000 minimum to ₹6 lakh maximum. Standalone: up to ₹6 lakh. Financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Resident individuals, singly or jointly, salaried or earning from business/profession/agriculture, who own the residential property or terrace rights. Composite is for borrowers taking a fresh Bank of Baroda home loan
standalone is the solar-only facility.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
the current rate sheet lists individuals up to ₹2 lakh at RBLR − 2.35%, presently 5.75%, and above ₹2 lakh at RBLR, presently 8.10% p.a.
RBLR (Repo-linked benchmark lending rate)
current sheet shows RBLR − 2.35%up to ₹2 lakh and RBLR above ₹2 lakh for individuals.
Individuals: maximum ₹6 lakh, with quantum up to ₹2 lakh for systems up to 3 kW and up to ₹6 lakh for systems above 3 kW to 10 kW. Housing societies: maximum ₹100 lakh.
Up to 120 months.
No fixed rupee minimum income is published
individuals must provide the latest six-month salary/pay slip and one-year /Form 16.
Individuals, registered group housing societies and residential welfare associations
borrower or co-borrower must own the house. Individual maximum age is 70 years at final repayment.
Up to ₹2 lakh: 5.75% ( − 2.30%) for eligible borrowers. Above ₹2 lakh, non-home-loan borrowers: 8.25% at CIBIL 800+, 8.55% at 750–799, 8.80% at 700–749/NTC and 9.05% at 680–699
eligible home-loan customers receive the applicable home-loan rate.
, shown as 8.05% on the current rate page
spread is −2.30%up to ₹2 lakh and +0.20% to +1.00%above ₹2 lakh for non-home-loan borrowers.
Minimum ₹10,000. Maximum ₹2 lakh for systems up to 3 kW and ₹10 lakh for systems above 3 kW to 10 kW.
120 months including a moratorium up to six months.
No minimum annual income for systems up to 3 kW
minimum ₹3 lakh annual income for systems above 3 kW to 10 kW.
Value awaiting review
Nil processing fee. Account-handling charge: ₹500 plus 0.20% of loan amount, minimum ₹500 and maximum ₹2,500, excluding .
No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Canara Rooftop Solar CRTS–PMSGY up to ₹2 lakh: 8.00% less 2.25% concession = 5.75% effective p.a.
Repo Linked Lending Rate (), 8.00% in Canara's current retail table (w.e.f. 12 March 2026), with a published 2.25% concession for the up-to-₹2 lakh solar slab.
Up to ₹2 lakh including subsidy, with minimum 10% borrower margin.
Up to 10 years in , subject to age 75 at maturity
a six-month repayment holiday may be considered case by case.
No minimum annual income or NTH criterion
repayment capacity is assessed from the customer's self-declared income.
Value awaiting review
Processing, service and other charges are waived under the reviewed scheme.
7.25%–9.85% p.a.above ₹2,00,000 through ₹6,00,000. Fixed: 8.25%–10.85% p.a. for the above-₹2,00,000-to-₹6,00,000 band. Rates vary by band and whether the borrower has an existing/fresh PNB home loan.
Up to ₹2,00,000, floating rate = Repo Rate + 0.50% (PNB shows 5.25% + 0.50% = 5.75% p.a.). Above ₹2,00,000 through ₹6,00,000, floating rates use + spreads by and home-loan relationship
the fixed-rate column gives the stated rates without a benchmark formula.
Up to 3 kW: ₹2,00,000 maximum. Above 3 kW through 10 kW: ₹6,00,000 maximum. PNB gives indicative financing of ₹50,000–₹70,000 per kW.
Maximum 10 years (120 months), inclusive of the six-month moratorium
repayment with interest must end by borrower age 75.
For loans above ₹2,00,000 through ₹6,00,000, all deductions including the proposed instalment must not exceed 50% of gross annual salary/income
regular income over the full loan period must be established. PNB asks for at least one year of /Form 16 and a six-month account statement. No income assessment is required up to ₹2,00,000.
Individuals may apply alone or jointly with parents, spouse, earning children (married or unmarried) or an earning daughter-in-law. Applicant(s) need / TU 680 or equivalent, including −1/0/Nil/no-hit
the applicant or co-applicant must own the home and rooftop rights, have MNRE-required roof area and a latest electricity bill confirming ownership. Applicant must hold a PNB savings account
maximum age 75.
Nil processing and upfront fees.
Floating-rate loans to individuals for non-business purposes: no prepayment charge for partial or full payment, regardless of funds used and without a minimum lock-in. For a dual/special-rate loan, the exemption depends on whether it is floating when prepaid. The fixed-rate charge is not stated in the solar scheme page or the reviewed tariff clause.
URTS interest starts from 6.80% p.a., linked to , under the reviewed official .
↓
URTS is linked to
Union Bank's current benchmark page shows (Repo Rate) at 8.00% effective 13 June 2026.
Maximum finance is 75% of the Ministry of New and Renewable Energy-approved project cost or ₹10 lakh, whichever is lower.
Repayment is up to 20 years in or the Union Home Loan repayment period, whichever is earlier.
No fixed rupee net-annual-income threshold is published in the reviewed Union Rooftop Solar page or URTS
the page provides a Net Annual income section but no numeric amount in the reviewed content.
For an individual with an existing independent house installing a grid-connected rooftop solar system up to 25 kW
the says the borrower should not have another bank/FI loan against the same house.
Value awaiting review
No numeric prepayment or foreclosure charge is published in the reviewed Union Rooftop Solar page or .
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
