Personal, home, vehicle & other loans

Surya Ghar Rooftop Solar Loan

A floating-rate residential rooftop-solar loan with no stated minimum and borrowing up to ₹6 lakh, a 10% minimum margin, nil processing fee and repayment up to ten years.

Current published rate tiers5.75% p.a. up to ₹2 lakh, equal to EBLR minus 2.15%; 7.90% p.a. above ₹2 lakh and up to ₹6 lakh, equal to EBLR Maximum amountLoan up to ₹6 lakh Maximum repayment period120 months including a six-month moratorium; no published minimum period and no prepayment penalty

Official product page ↗Compare category

✓ Manually checked 13 Aug 2026 · active

Offered byState Bank of India

India through Surya Ghar registration and the JanSamarth application journey, with processing subject to technical feasibility and eligibility

Key facts

What the official sources publish

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

PurposeInstallation of an eligible residential solar rooftop system, including qualifying elevated ground-mounted installation where the applicant has land rightsView source

The installation must satisfy current MNRE technical and roof-area requirements.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features and — eligibility
Accessed: 13 Aug 2026
Confidence: high

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Published loan rangeNo published minimum; up to ₹2 lakh under the lower tier and above ₹2 lakh up to ₹6 lakh under the higher tierView source

Actual finance is limited by project cost, margin, feasibility and underwriting.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features — Loan Amount and
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Current published rate tiers5.75% p.a. up to ₹2 lakh, equal to EBLR minus 2.15%; 7.90% p.a. above ₹2 lakh and up to ₹6 lakh, equal to EBLREffective 15 Dec 2025View source

The live card and sustainability report supersede the product older 6.00% and 8.15% figures dated 15 June 2025.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Current Interest Rates card; FY2025-26 Sustainability Report
Accessed: 13 Aug 2026
Confidence: high

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Minimum borrower margin10% of project cost for both published loan tiersView source

Loan proceeds plus the borrower margin are paid directly to the approved vendor or contractor after required feasibility reports.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features — Margin
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Maximum repayment period120 months including a six-month moratorium; no published minimum period and no prepayment penaltyView source

Age-at-completion rules can shorten the available term.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features — Tenor and Moratorium
Accessed: 13 Aug 2026
Confidence: high

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Age, credit and income tiersSingle applicants up to age 65 with closure before 70; joint route up to age 75 subject to co-borrower closure rule; no minimum CIBIL or income up to ₹2 lakh, while the higher tier needs CIBIL 650+ and net annual income of at least ₹3 lakhView source

Applicants with a default or write-off are excluded even where no minimum score is prescribed.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features — Age and Other Eligibility Conditions
Accessed: 13 Aug 2026
Confidence: high

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Processing and prepayment chargesNil processing fee and no prepayment penaltyView source

Insurance cost is borne by the customer where insurance is mandatory for the higher tier.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features and
Accessed: 13 Aug 2026
Confidence: high

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Published central subsidy₹30,000 for 1 kW, ₹60,000 for 2 kW and ₹78,000 for 3 kW; the borrower claims it through PM Surya Ghar using the loan account numberView source

Subsidy eligibility and payment are governed by the government portal, not guaranteed by loan sanction.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features — Subsidy
Accessed: 13 Aug 2026
Confidence: high

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Application routeRegister first at PM Surya Ghar, then apply through JanSamarth using either self-service or assisted journeyView source

The bank page states all applications are first registered with Surya Ghar and then sourced through JanSamarth.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Other Covenants and Link for loan application
Accessed: 13 Aug 2026
Confidence: high

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FY2025-26 programme evidenceSBI reports a 67% market share in financing residential rooftop-solar installations under PM Surya Ghar and ₹13,721 crore of sanctioned limits as at 31 March 2026. During the year it liberalised sourcing, processing and sanctioning and allowed technically compliant elevated ground-mounted installations where the customer holds rights to the land.Effective 31 Mar 2026View source

All product-specific facts in the Surya Ghar case study are retained; unrelated institutional ESG disclosures across the remaining report pages were reviewed but not attached as consumer-product facts.

Source: Sustainability Report 2025-26 — Surya Ghar
Page / section: Report pages 40-42 — Green and Sustainable Products / Surya Ghar
Accessed: 13 Aug 2026
Confidence: high

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Reported concessional ratesThe report states EBLR less 2.15 percentage points, effective 5.75%, for loans up to ₹2 lakh; and EBLR, stated as 7.90%, for loans above ₹2 lakh and up to ₹6 lakh.Effective 31 Mar 2026View source

Both tiers, benchmarks, spread and effective rates are retained as report-dated evidence; the live rate page remains controlling for current comparison values.

Source: Sustainability Report 2025-26 — Surya Ghar
Page / section: Report pages 40-41 — Initiatives to Popularise Green Finance
Accessed: 13 Aug 2026
Confidence: high

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Prepayment / foreclosureNo prepayment penalty.View source

The manually reviewed product record states: “No prepayment penalty”. The issuer's current sanction terms should still be confirmed before applying.

Source: Surya Ghar Rooftop Solar Loan — official product page
Page / section: Fees and prepayment
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Tenure120 months including a six-month moratorium; no published minimum period and no prepayment penaltyView source

Age-at-completion rules can shorten the available term. This is the issuer-published maximumTenure value shown under the comparison field “Tenure”.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Features — Tenor and Moratorium — comparison field: Tenure
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Loan typeRooftop solar installation loanView source

official page titles this product Surya Ghar — Loan for Solar Roof Top and identifies it as a personal-finance loan for rooftop solar installations.

Source: Surya Ghar — Loan for Solar Roof Top
Page / section: Product title and Personal Finance Loans navigation
Accessed: 29 Aug 2026
Confidence: high

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Maximum amountLoan up to ₹6 lakhView source

The manually reviewed product summary states: “Loan up to ₹6 lakh”.

Source: Surya Ghar Rooftop Solar Loan — official product page
Page / section: Published loan terms in product summary
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

BenchmarkEBLR minus 2View source

The manually reviewed product record states: “5.75% p.a. up to ₹2 lakh, equal to minus 2.15%; 7.90% p.a. above ₹2 lakh and up to ₹6 lakh, equal to ”.

Source: Surya Ghar Rooftop Solar Loan — official product page
Page / section: Published product metadata
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeThe higher tier requires PAN, CIBIL 650+, annual income of ₹3 lakh or more and fuller income documents.View source

The manually reviewed product record states: “Single applicants up to age 65 with closure before 70; joint route up to age 75 subject to co-borrower closure rule; no minimum or income up to ₹2 lakh, while the higher tier needs CIBIL 650+ and net annual income of at least ₹3 lakh”.

Source: Surya Ghar Rooftop Solar Loan — official product page
Page / section: Published product metadata
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Loan up to ₹6 lakh
Current floating rates from 5.75% p.a.
Ten-year maximum repayment
Nil processing fee
No prepayment penalty
Published government-subsidy pathway

Eligibility

The applicant needs eligible roof or land rights, sufficient installation area, an electricity bill and an savings account.
The higher tier requires , CIBIL 650+, annual income of ₹3 lakh or more and fuller income documents.
Default or write-off credit histories are excluded.
Insurance is not mandatory for 1–3 kW capacity but is required above 3 kW, at customer cost.
Government subsidy is separately administered and not guaranteed by .

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

Documents the bank lists

and electricity-bill details
for the higher tier
Two years of Form 16 or income-tax returns for the higher tier
Six months' salary statement or applicable bank and income evidence for the higher tier
MNRE-mandated feasibility reports and vendor documentation

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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₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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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Topic

Scheme purpose · Published valueResidential rooftop-solar finance under the Government of India Surya Ghar Muft Bijli Yojana, designed to complement the capital subsidy.

This value is copied from Surya Ghar — report-dated loan tiers and scheme updates. Check the table notes before relying on it.

Source: Sustainability Report 2025-26 — Surya Ghar · Report pages 40–42 — Surya Ghar residential rooftop finance Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsSBI Surya Ghar — report-dated loan tiers and scheme updatesProduct-relevant figures from SBI Sustainability Report FY 2025-26, report pages 40–42.View tableHide table

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SBI Surya Ghar — report-dated loan tiers and scheme updates
Topic	Published value
Scheme purpose	Residential rooftop-solar finance under the Government of India Surya Ghar Muft Bijli Yojana, designed to complement the capital subsidy.
Loan up to ₹2 lakh	External Benchmark Lending Rate () less 2.15%; report-dated effective rate 5.75%.
Loan above ₹2 lakh up to ₹6 lakh	; report-dated effective rate 7.90%.
Portfolio sanctioned limit	₹13,721 crore as at 31 March 2026.
Market share	67% of financing for residential rooftop solar installations, as stated in the report.
Eligible installation update	Ground-mounted elevated installations meeting technical specifications are permitted when the borrower has rights to the ground/land.
Existing-customer	Revised norms were introduced for existing-to-bank customers to reduce redundant processing.
Women / youth concessions	10 bps interest concession for women beneficiaries (minimum 51% shareholding) and 10 bps for youth beneficiaries aged 18–35 (minimum 51% shareholding); 15 bps where both apply, subject to a floor of /6M .
pricing	Accounts covered under use /6M as the applicable-rate floor, as stated in the report.
Energy-efficient housing	5 bps concession for home-loan borrowers financing energy-efficient housing projects.
Vendor workflow	Jan Samarth integration is being used for vendor second-tranche processing, including Discom net-metering reports and post-installation site photographs.
Documentation and tenure	Report describes simplified documentation, competitive rates and flexible repayment tenures; it does not publish a universal maximum amount or tenure in these pages.

Rates and portfolio figures are report-dated ( 2025-26) and may change. Use the current product page or branch for live pricing and sanction terms.

Sustainability Report 2025-26 — Surya Ghar · Report pages 40–42 — Surya Ghar residential rooftop finance · effective 31 Mar 2026 · accessed 26 Aug 2026Open official source ↗

Surya Ghar Rooftop Solar Loan

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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SBI Surya Ghar Rooftop Solar Loan

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

Related products

SBI Aashray Home Loan

SBI Assured Car Loan

SBI Certified Pre-Owned Car Loan

SBI Combo Home Loan

Surya Ghar Rooftop Solar Loan