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PNB Rooftop Solar Loan ( Surya Ghar)

Finance for a new residential rooftop solar system up to 10 kW, with ₹2 lakh/₹6 lakh loan bands, six-month moratorium and Surya Ghar subsidy support.

RateCurrent PNB solar-power rate table starts at 5.75% p.a. for loans up to ₹2 lakh; higher loan bands are priced by CIBIL and borrower status in the current table.Maximum amountUp to ₹2 lakh for systems up to 3 kW; up to ₹6 lakh for systems above 3 kW through 10 kW (₹50,000–₹70,000 per kW guidance).TenureMaximum 10 years including the six-month moratorium; repayment must finish by age 75.
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Quick eligibility check

PNB Rooftop Solar Loan ( Surya Ghar)

0 of 2 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: minimum annual income ₹3 lakh for loans above ₹2 lakh up to ₹6 lakh?

Published source: Minimum income

2Do you meet this requirement: Applicant or co-applicant must own the residential property and rooftop rights, have a latest electricity bill, sufficient MNRE-mandated roof area, / score 680 or equivalent (including -1/0/Nil/No hit), be no older than 75 and hold a savings account?

0 of 2 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 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.

Loan typeResidential rooftop-solar equipment loan, secured by hypothecation of the equipment; classified under priority sector.View source
PNB finances new residential rooftop systems up to 10 kW and specifies equipment hypothecation.
Source
PNB Scheme for Financing of Rooftop Solar Power Systems
Page / section
Purpose, Classification and Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateCurrent PNB solar-power rate table starts at 5.75% p.a. for loans up to ₹2 lakh; higher loan bands are priced by CIBIL and borrower status in the current table.View source
PNB's current rate sheet labels Solar Power System starting from 5.75% p.a.
Source
PNB Retail Advances Interest Rates
Page / section
SOLAR POWER SYSTEM
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRepo Rate + 0.50% (presently 5.75% p.a.) for the up-to-₹2 lakh floating band; larger bands use the published RLLR+BSP/CIBIL table.View source
The current rate sheet publishes Repo Rate + 0.50% for the up-to-₹2 lakh solar band and separate bands above it.
Source
PNB Retail Advances Interest Rates
Page / section
SOLAR POWER SYSTEM
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR percentage or calculation.View source
The official product page and rate sheet publish but no calculation.
Source
PNB rooftop solar review
Page / section
Rate and terms
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo minimum income for loans up to ₹2 lakh; minimum annual income ₹3 lakh for loans above ₹2 lakh up to ₹6 lakh.View source
PNB expressly states no minimum income up to ₹2 lakh and ₹3 lakh minimum above that band.
Source
PNB Scheme for Financing of Rooftop Solar Power Systems
Page / section
Net Annual income
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹2 lakh for systems up to 3 kW; up to ₹6 lakh for systems above 3 kW through 10 kW (₹50,000–₹70,000 per kW guidance).View source
The official page publishes both capacity-linked caps and the ₹50,000–₹70,000 per kW estimate.
Source
PNB Scheme for Financing of Rooftop Solar Power Systems
Page / section
Purpose and loan amount
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 10 years including the six-month moratorium; repayment must finish by age 75.View source
PNB publishes a ten-year maximum inclusive of a six-month moratorium and age-75 limit.
Source
PNB Scheme for Financing of Rooftop Solar Power Systems
Page / section
Repayment Tenure and Moratorium
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil processing/upfront fee.View source
The official page states processing fees/upfront fees are nil.
Source
PNB Scheme for Financing of Rooftop Solar Power Systems
Page / section
Processing fees/upfront fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the rooftop-solar scheme page.View source
The scheme page publishes nil processing fee but no prepayment amount.
Source
PNB rooftop solar prepayment review
Page / section
Complete scheme page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 3 kW: loan up to ₹2 lakh; above 3 kW to 10 kW: up to ₹6 lakh
  • No minimum income for loans up to ₹2 lakh; ₹3 lakh minimum annual income above ₹2 lakh
  • Maximum tenure 10 years including moratorium; repayment before age 75
  • Six-month moratorium with interest serviced as charged
  • Nil processing/upfront fee
  • Surya Ghar subsidy up to ₹78,000 for systems above 3 kW

Eligibility

  • Applicant or co-applicant must own the residential property and rooftop rights, have a latest electricity bill, sufficient MNRE-mandated roof area, /CIBIL score 680 or equivalent (including -1/0/Nil/No hit), be no older than 75 and hold a savings account.

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

Documents the bank lists

  • , /Aadhaar and latest electricity bill
  • Property ownership proof and vendor quotation/feasibility reports
  • One-year /Form 16 and six-month account statement for loans above ₹2 lakh

Related official documents

PNB Scheme for Financing of Rooftop Solar Power Systemsofficial-product-page · current · accessed 30 Aug 2026
↗

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Loan repayment estimate

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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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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

Scroll sideways to view every column

PNB Rooftop Solar Loan — published terms
ParameterPublished term
EligibilityResidential-property owner with rooftop rights, latest electricity bill, /CIBIL 680 or equivalent, age up to 75, PNB savings account
Capacity and limitUp to 3 kW: ₹2 lakh; above 3 kW to 10 kW: ₹6 lakh
IncomeNo minimum up to ₹2 lakh; ₹3 lakh annual minimum above ₹2 lakh
Margin10% up to ₹2 lakh; 20% above ₹2 lakh to ₹6 lakh
Tenure/moratoriumMaximum 10 years including six-month moratorium; repay by age 75
Subsidy1 kW ₹30,000; 2 kW ₹60,000; 3 kW and above capped at ₹78,000
InsuranceNot mandatory up to ₹2 lakh; required above ₹2 lakh for capacity over 3 kW
ChargesNil processing/upfront fee
SecurityEquipment 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 ↗

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