Personal, home, vehicle & other loans

PNB Rooftop Solar Loan ( Surya Ghar)

Finance for a new residential rooftop system up to 10 kW. PNB publishes ₹2 lakh up to 3 kW and ₹6 lakh above 3–10 kW. Floating is 5.75% up to ₹2 lakh and 7.25%–9.85% above it; fixed for the higher band is 8.25%–10.85%, based on and PNB home-loan relationship. Maximum tenure is 10 years including a six-month moratorium.

RateFloating: 5.75% p.a. for loans up to ₹2,00,000; 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 CIBIL band and whether the borrower has an existing/fresh PNB home loan.Maximum loan amountUp 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.Repayment tenureMaximum 10 years (120 months), inclusive of the six-month moratorium; repayment with interest must end by borrower age 75.

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✓ Manually checked 7 Oct 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

EligibilityIndividuals may apply alone or jointly with parents, spouse, earning children (married or unmarried) or an earning daughter-in-law. Applicant(s) need CIC/CIBIL 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.View source

PNB lists permitted individual co-applicants, the credit-score rule, owner/roof/bill conditions, age 75 and mandatory PNB savings-account relationship.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Eligibility
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Borrower margin10% for loan amounts up to ₹2,00,000; 20% for amounts above ₹2,00,000 through ₹6,00,000.View source

PNB sets 10% margin through ₹2 lakh and 20% above ₹2 lakh through ₹6 lakh.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Margin
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Income assessmentFor 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 ITR/Form 16 and a six-month account statement. No income assessment is required up to ₹2,00,000.View source

The page applies the 50% deduction limit, income-regularity check and evidence documents only to the above-₹2 lakh-to-₹6 lakh loan band.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Net Annual Income; Income Assessment; Regularity of Income
Accessed: 7 Oct 2026
Confidence: high

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MoratoriumSix months from disbursement; accrued interest is payable as and when charged. The moratorium is included in the maximum 10-year repayment period.View source

PNB states six months from disbursement and says interest is paid when charged.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Repayment Tenure; Moratorium
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Required documentsApplication form and sanction letter; KYC including Aadhaar and other applicable KYC records; vendor quotation and MNRE-required feasibility reports; latest electricity bill; proof of residential-property ownership (such as tax receipt or sale deed). For loans above ₹2,00,000 through ₹6,00,000, provide at least one year of ITR/Form 16 and the last six months' account statement. PAN is optional through ₹2,00,000 and mandatory above ₹2,00,000.View source

All listed documents and the //account-statement thresholds follow the scheme page; no other document is added from generic bank practice.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Documents Required; Net Annual Income; Regularity of Income
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

DisbursementLoan proceeds and the borrower's contribution are paid directly to the vendor/EPC contractor after MNRE-required feasibility reports are submitted. The borrower/vendor claims subsidy using the loan account number.View source

The page specifies direct payment to vendor/EPC after feasibility reports and subsidy claim with loan-account number.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Disbursement
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Priority-sector classificationPNB classifies this rooftop-solar purchase loan under priority sector.View source

The bank states the solar-equipment loan is classified under priority sector.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Classification
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Vendor requirementResidential rooftop systems must be supplied by vendors empanelled under the Ministry of New and Renewable Energy (MNRE)/state DISCOM vendor list.View source

PNB says all residential systems must be sold by MNRE-empanelled vendors and links the statewise vendor list.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Tie-up Arrangement
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

SecurityHypothecation of the equipment. Third-party guarantee is waived for loans up to ₹2,00,000. Above ₹2,00,000 through ₹6,00,000, PNB requires a third-party guarantee with net means at least equal to the loan amount.View source

The scheme differentiates guarantee requirements at ₹2 lakh and requires guarantor net means at least equal to the loan above that amount.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Security
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

MNRE subsidy₹30,000 at 1 kW; ₹60,000 at 2 kW; ₹78,000 at 3 kW; for systems above 3 kW through 10 kW, subsidy is capped at ₹78,000 and credited to the loan account after a claim quoting the loan account number.View source

PNB publishes the four subsidy capacity tiers and ₹78,000 cap; claim is linked to the loan account.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Subsidy
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Equipment insuranceAsset insurance is not mandatory up to ₹2,00,000. Above ₹2,00,000 through ₹6,00,000, the installation asset must be insured for its total cost when system capacity exceeds 3 kW; the customer pays the premium.View source

The page distinguishes the ₹2 lakh loan band and requires full installation-cost asset insurance above that loan amount only for capacity over 3 kW.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Insurance
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Application channelApplications are sourced through Jan Samarth for self-service or assisted journeys. Digital in-principle sanction is based on applicant self-declaration; final sanction follows document verification and branch assessment.View source

PNB states Jan Samarth self/assisted sourcing and distinguishes digital in-principle sanction from final branch assessment.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Miscellaneous, clauses 1–2
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Loan typeResidential rooftop-solar equipment loan for a new system up to 10 kW; equipment is hypothecated and the loan is classified under priority sector.View source

PNB finances a new residential rooftop system up to 10 kW, hypothecates the equipment and classifies the facility under priority sector.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Purpose and Loan Amount; Classification; Security
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

The current table publishes 5.75% floating for loans up to ₹2 lakh and separate fixed/floating rates for four credit-score bands and two home-loan relationship categories above ₹2 lakh to ₹6 lakh.

Source: PNB Interest Rates on Advances — current rooftop solar section
Page / section: Solar Power System ; complete rows for up to ₹2 lakh and above ₹2 lakh through ₹6 lakh
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Rate benchmarkUp 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 RLLR+BSP spreads by CIBIL and home-loan relationship; the fixed-rate column gives the stated rates without a benchmark formula.View source

PNB states Repo Rate + 0.50% for the small-loan floating band and + plus score/relationship spreads for the larger floating band.

Source: PNB Interest Rates on Advances — current rooftop solar section
Page / section: Solar Power System ; floating and fixed option tables
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Minimum incomeUp to ₹2,00,000: no minimum income and no income assessment. Above ₹2,00,000 through ₹6,00,000: minimum annual income ₹3,00,000.View source

The scheme explicitly sets no minimum income/no assessment up to ₹2 lakh and ₹3 lakh annual minimum above ₹2 lakh through ₹6 lakh.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Net Annual Income
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Maximum loan amountUp 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.View source

The scheme lists a ₹2 lakh cap through 3 kW, a ₹6 lakh cap above 3 to 10 kW, and ₹50,000–₹70,000 per-kW guidance.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Purpose and Loan Amount
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Repayment tenureMaximum 10 years (120 months), inclusive of the six-month moratorium; repayment with interest must end by borrower age 75.View source

PNB states maximum 10 years inclusive of moratorium and requires repayment before age 75.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Repayment Tenure and Moratorium
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Processing/upfront feeNil processing and upfront fees.View source

PNB states the processing and upfront fees are nil; no separate documentation-fee waiver is inferred.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems — current full-page review
Page / section: Processing fees/upfront fees
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Prepayment / foreclosure chargeFloating-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.View source

The current tariff exempts floating-rate non-business loans to individuals from prepayment charges regardless of source of funds and lock-in; fixed/dual-rate applicability is conditional as stated by PNB.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems; PNB Credit Related Service Charges
Page / section: Service charges §10.15(a), (c)(1)(a), last updated 01-10-2026; product page confirms residential individual purpose and its floating/fixed rate options
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Up to 3 kW: maximum loan ₹2,00,000; above 3 kW through 10 kW: maximum ₹6,00,000.
Published floating : 5.75% p.a. up to ₹2,00,000; 7.25%–9.85% p.a. above ₹2,00,000 through ₹6,00,000. Fixed in the higher band: 8.25%–10.85% p.a.
MNRE residential subsidy: ₹30,000 at 1 kW, ₹60,000 at 2 kW, ₹78,000 at 3 kW and capped at ₹78,000 above 3 kW through 10 kW.
Six-month moratorium; maximum repayment period 10 years inclusive of moratorium; nil processing/upfront fee.

Eligibility

Individual applicant alone or jointly with parents, spouse, earning children (married or unmarried) or an earning daughter-in-law; applicant(s) must have / TU 680 or equivalent, including −1/0/Nil/no-hit.
Applicant or co-applicant must own the residential property and rooftop rights, have sufficient roof area under MNRE requirements, and provide the latest electricity bill confirming property ownership. Applicant must hold a PNB savings account; maximum applicant age is 75.
For loans above ₹2,00,000 through ₹6,00,000: minimum annual income ₹3,00,000; all deductions including the proposed instalment must not exceed 50% of gross annual salary/income; regular income over the tenure must be established. No minimum income or income assessment is required up to ₹2,00,000.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Application form and sanction letter; documents including Aadhaar and other applicable records.
Latest electricity bill and proof of residential-property ownership (for example, tax receipt or sale deed); vendor quotation and the feasibility reports required by MNRE.
For loans above ₹2,00,000 through ₹6,00,000: minimum one-year /Form 16 and the last six months' account statement. is optional up to ₹2,00,000 and mandatory above ₹2,00,000.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹17,552seventeen thousand five hundred fifty-two rupees

Interest paid over the full loan₹17,12,501seventeen lakh twelve thousand five hundred one rupees

Everything you repay₹42,12,501forty-two lakh twelve thousand five hundred one rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableParameter

Eligibility · Published termResidential-property owner with rooftop rights, latest electricity bill, / 680 or equivalent, age up to 75, PNB savings account

This value is copied from PNB Rooftop Solar Loan — published terms. Check the table notes before relying on it.

Source: PNB Scheme for Financing of Rooftop Solar Power Systems · Complete scheme page Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsPNB Rooftop Solar Loan — published termsCapacity, income, funding, subsidy, tenure and security terms.View tableHide table

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PNB Rooftop Solar Loan — published terms
Parameter	Published term
Eligibility	Residential-property owner with rooftop rights, latest electricity bill, /CIBIL 680 or equivalent, age up to 75, PNB savings account
Capacity and limit	Up to 3 kW: ₹2 lakh; above 3 kW to 10 kW: ₹6 lakh
Income	No minimum up to ₹2 lakh; ₹3 lakh annual minimum above ₹2 lakh
Margin	10% up to ₹2 lakh; 20% above ₹2 lakh to ₹6 lakh
Tenure/moratorium	Maximum 10 years including six-month moratorium; repay by age 75
Subsidy	1 kW ₹30,000; 2 kW ₹60,000; 3 kW and above capped at ₹78,000
Insurance	Not mandatory up to ₹2 lakh; required above ₹2 lakh for capacity over 3 kW
Charges	Nil processing/upfront fee
Security	Equipment hypothecation; third-party guarantee above ₹2 lakh

PNB Scheme for Financing of Rooftop Solar Power Systems · Complete scheme page · accessed 30 Aug 2026Open official source ↗

Table 2 · 17 rows · 6 columnsPNB Rooftop Solar Loan — published interest-rate matrixEvery current row from PNB's solar rate section. The up-to-₹2 lakh band is floating only in the reviewed table; above ₹2 lakh has fixed and floating options with CIBIL and borrower-relationship tiers.View tableHide table

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PNB Rooftop Solar Loan — published interest-rate matrix
Loan amount	TU/equivalent	Rate option	PNB home-loan relationship	Benchmark / spread	Published
Up to ₹2,00,000	Not banded in this row	Floating	Not differentiated in this row	Repo Rate + 0.50% (5.25% + 0.50%)	5.75% p.a.
Above ₹2,00,000 to ₹6,00,000	800 and above	Floating	Existing/fresh home-loan borrower	+ − 0.85%	7.25% p.a.
Above ₹2,00,000 to ₹6,00,000	800 and above	Floating	Non-home-loan borrower	+ + 0.15%	8.25% p.a.
Above ₹2,00,000 to ₹6,00,000	750–799, including −1/0/no-hit/Nil	Floating	Existing/fresh home-loan borrower	+ − 0.80%	7.30% p.a.
Above ₹2,00,000 to ₹6,00,000	750–799, including −1/0/no-hit/Nil	Floating	Non-home-loan borrower	+ + 0.20%	8.30% p.a.
Above ₹2,00,000 to ₹6,00,000	700–749	Floating	Existing/fresh home-loan borrower	+ − 0.35%	7.75% p.a.
Above ₹2,00,000 to ₹6,00,000	700–749	Floating	Non-home-loan borrower	+ + 0.65%	8.75% p.a.
Above ₹2,00,000 to ₹6,00,000	681–699	Floating	Existing/fresh home-loan borrower	+ + 0.75%	8.85% p.a.
Above ₹2,00,000 to ₹6,00,000	681–699	Floating	Non-home-loan borrower	+ + 1.75%	9.85% p.a.
Above ₹2,00,000 to ₹6,00,000	800 and above	Fixed	Existing/fresh home-loan borrower	Fixed ; no benchmark formula stated	8.25% p.a.
Above ₹2,00,000 to ₹6,00,000	800 and above	Fixed	Non-home-loan borrower	Fixed ; no benchmark formula stated	9.25% p.a.
Above ₹2,00,000 to ₹6,00,000	750–799, including −1/0/no-hit/Nil	Fixed	Existing/fresh home-loan borrower	Fixed ; no benchmark formula stated	8.30% p.a.
Above ₹2,00,000 to ₹6,00,000	750–799, including −1/0/no-hit/Nil	Fixed	Non-home-loan borrower	Fixed ; no benchmark formula stated	9.30% p.a.
Above ₹2,00,000 to ₹6,00,000	700–749	Fixed	Existing/fresh home-loan borrower	Fixed ; no benchmark formula stated	8.75% p.a.
Above ₹2,00,000 to ₹6,00,000	700–749	Fixed	Non-home-loan borrower	Fixed ; no benchmark formula stated	9.75% p.a.
Above ₹2,00,000 to ₹6,00,000	681–699	Fixed	Existing/fresh home-loan borrower	Fixed ; no benchmark formula stated	9.85% p.a.
Above ₹2,00,000 to ₹6,00,000	681–699	Fixed	Non-home-loan borrower	Fixed ; no benchmark formula stated	10.85% p.a.

PNB Interest Rates on Advances — current rooftop solar section · Solar Power System , full published section · accessed 7 Oct 2026Open official source ↗

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PNB Rooftop Solar Loan (PM Surya Ghar)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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