PM Surya Ghar Govt. Subsidized Loan Scheme • UP

Zero-Collateral Solar Loans at Just 5.75% Annual Interest

Install rooftop solar with zero security deposit and 5.75% annual interest* via Government Banks on the Jan Samarth Portal. Combined with up to ₹1,08,000 Govt. DBT Subsidy, your monthly electricity savings easily surpass the loan EMI!

5.75%
Govt Bank Annual Rate
₹0
Collateral (No Mortgage)
84 Mo.
Max Repayment (7 Yrs)
₹1,08,000
Max Central + UP Subsidy
Govt Bank Concessional Scheme

3 kW Solar Loan Sample

Plant Capacity: 3.0 kW (Standard Home)
Gross Plant Cost: ₹1,85,000
Central + UP State Subsidy: - ₹1,08,000
Net Loan Amount Financed: ₹77,000
EMI @ 5.75% (5 Years)
₹1,479/mo
Power Bill Saved
+₹3,800/mo
You save more than double of what you pay in EMI each month!
Interactive Financing Tool

Calculate Your Solar Loan EMI & Savings

Select your system capacity and repayment tenure. Live calculations use the official 5.75% annual interest rate for government banks under PM Surya Ghar.

3 kW
1 kW (Small Home) 3 kW (Most Popular) 5 kW 10 kW (Commercial)
5 Years (60 Months)
5.75% Concession & Subsidy: Central subsidy is ₹30,000 for 1kW, ₹60,000 for 2kW, and ₹78,000 for 3kW+. Uttar Pradesh gives an additional ₹15,000/kW (max ₹30,000 state subsidy), for total ₹1,08,000 DBT benefit!
Estimated Monthly Repayment
₹1,479 / month
Interest Rate: 5.75% p.a. (PM Surya Ghar)
Gross Project Cost: ₹1,85,000
Eligible Central + UP Subsidy: - ₹1,08,000
Net Financed Amount: ₹77,000
Monthly Cash Flow Status:
Power Bill Saved: +₹3,800/mo
Loan EMI Paid: -₹1,479/mo
Net Monthly Pocket Profit: +₹2,321/mo
Empanelled Portals & NBFCs

3 Official Solar Financing Channels

Select the ideal channel for your home, solar flour mill, or commercial factory.

National Govt Portal

Jan Samarth Portal

PM Surya Ghar Scheme (SBI / PNB / Canara)

Government single-window portal offering subsidized loans from SBI, PNB, Canara Bank, and BoB at the concessional rate of 5.75% p.a. with zero collateral.

Interest Rate
5.75% p.a.
Max Tenure
Up to 7 Years
Collateral
Zero (Nil)
DBT Subsidy
₹1,08,000
  • 5.75% annual interest on residential rooftop
  • No property or third-party guarantee needed
  • Official EPC quotation provided by J.S. Enterprises
3-Minute Digital Approval

Ecofy Climate Finance

Instant Fast-Track Green NBFC

India's dedicated green climate finance institution. Provides in-principle digital sanction in just 180 seconds with bundled comprehensive asset insurance.

Interest Rate
From 7.99%
Sanction Time
180 Seconds
Asset Insurance
Included
Paperwork
100% Paperless
  • Instant digital decision on Aadhaar & PAN
  • Covers natural calamity & theft protection
  • Flexible tenures from 6 months to 5 years
Commercial, Chakki & MSME

Aerem Commercial Credit

For Factories, Flour Mills & Cold Storages

Specialized commercial solar financing for diesel-free Solar Atta Chakkis, cold storages, agro businesses, and factories with 40% tax depreciation benefits.

Ticket Size
₹5L – ₹5 Crores
Tax Benefit
40% AD Write-Off
GST Credit
100% ITC
System Scale
10 kW – 1 MW+
  • Ideal for Solar Atta Chakki (5HP to 25HP)
  • Turnkey Bank-Ready DPR prepared by engineers
  • CAPEX & OPEX (PPA / RESCO) models
Turnkey Approval Process

How We Help You Get 5.75% Loan Sanctioned

You do not need to run around bank branches. We handle the technical paperwork and portal filings for you.

1

Technical Survey & Quote

Our certified solar engineer visits your site, verifies roof area and shadow, and issues the official bank-ready EPC quotation.

2

Jan Samarth Registration

We assist in digital filing on the PM Surya Ghar and Jan Samarth portals, linking your DISCOM consumer number with 5.75% loan schemes.

3

Bank Digital Sanction

Your chosen bank (SBI, PNB, Canara, etc.) reviews credit scores and generates the in-principle digital sanction letter within 24-48 hours.

4

Installation & Subsidy DBT

Plant installed, DISCOM net metering tested, and up to ₹1,08,000 subsidy credited directly to your bank account!

Required Documents Checklist

Only 5 basic documents required for collateral-free 5.75% solar loan approval.

Aadhaar Card
Identity & address verification of applicant
Latest Electricity Bill
With matching address & DISCOM consumer number
Bank Passbook / Cheque
For subsidy direct bank transfer (DBT) & EMI debit
Passport Size Photo
Required for bank KYC & PM Surya Ghar profile
Roof Ownership Proof
Registry copy, khatauni, or property tax receipt
J.S. Vendor Quotation
Certified report provided directly by our engineers
Empanelled Banking Network

Our Financing & Banking Partners

Major nationalized and climate finance institutions supporting 5.75% solar loans in UP.

State Bank of India
5.75% p.a.
Punjab National Bank
5.75% p.a.
Canara Bank
5.75% p.a.
Union Bank of India
5.75% p.a.
Bank of Baroda
5.75% p.a.
Bank of India
5.75% p.a.
Ecofy Climate NBFC
3 Min Sanction
Aerem Clean Energy
C&I / Chakki
Indian Bank
5.75% p.a.
IDBI Bank
Concessional
Central Bank of India
5.75% p.a.
15+ More Banks
Jan Samarth
Fast-Track 5.75% Loan Processing

Request Solar Loan & Bank Quotation

Fill this quick form. Our solar financing desk will verify your details, issue the official vendor quotation, and guide your digital Jan Samarth application.

100% confidential. Authorized PM Surya Ghar EPC assistance.
Got Questions?

Frequently Asked Questions on Solar Financing

Clear answers regarding 5.75% interest rates, subsidies, and bank sanction procedures.

What is the annual interest rate for solar rooftop loans in government banks?
Under the PM Surya Ghar Muft Bijli Yojana, nationalized government banks (such as State Bank of India, Punjab National Bank, Canara Bank, and Bank of Baroda) offer a special subsidized interest rate of just 5.75% p.a. for residential solar rooftop installations up to 3kW.
Is collateral required for a 5.75% PM Surya Ghar solar loan in UP?
No collateral or property mortgage is required. For solar systems up to 3kW (covering loans up to ₹2 Lakhs), loans are 100% collateral-free. Even for systems up to 10kW (loans up to ₹6 Lakhs), the installed solar plant itself acts as hypothecated security without needing personal property pledge.
How does the government subsidy reduce my loan EMI?
You receive up to ₹78,000 Central DBT subsidy plus ₹30,000 UP State subsidy (total up to ₹1,08,000). When you apply for a loan, banks finance up to 90% of the project cost. Once your installation is verified, the subsidy is credited directly to your bank account, which can be adjusted against the principal to lower your EMI.
What documents do I need to prepare for solar loan sanction in Uttar Pradesh?
You only need 5 basic documents: 1) Aadhaar Card, 2) Latest 3 months electricity bill with consumer number, 3) 6-month bank statement / passbook copy, 4) Passport size photo, and 5) Official Vendor Quotation & Technical Feasibility Report issued by J.S. Enterprises & Solar Tech.
What is the loan tenure and how does the EMI compare to electricity bills?
Loan tenures range from 3 years (36 months) up to 7 years (84 months). At 5.75% interest, the monthly EMI for a standard 3kW system is just ~₹1,480/month (for 5 years) or ~₹1,115/month (for 7 years). In comparison, your solar system saves ₹3,500 to ₹4,500 on your power bill every month, giving you a net profit from Month 1.
How does J.S. Enterprises & Solar Tech help with bank loan sanction?
As an authorized empanelled solar EPC vendor across DVVNL, MVVNL, PVVNL, and PuVVNL, we provide the certified technical feasibility report, load verification certificate, detailed quotation, and upload all vendor-side compliance documents onto the PM Surya Ghar and Jan Samarth portals for seamless sanction.

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