Subsidy & Bank Financing Guide
Everything you need to know about the central government ₹78,000 subsidy and subsidized bank loans starting from 5.75% p.a.
₹78,000 Central Government Subsidy
Under the PM Surya Ghar scheme, residential rooftop systems of 3 kW capacity and above receive a fixed central subsidy of ₹78,000. Surya Energy Infra provides guidance on portal submission, and the funds are credited directly to your bank account by the government.
- Direct credit to customer bank account
- Fixed ₹78,000 amount for 3 kW and above systems
- Applicable on 3 kW to 10 kW residential installations
Bank Loans from 5.75% Floating Rate
Most major public sector banks offer a subsidised floating rate of 5.75% p.a. for PM Surya Ghar loans up to ₹2,00,000. For systems where the loan exceeds ₹2 Lakh, rates typically range from 7.25% to 9.50% depending on the bank and customer CIBIL score.
- 5.75% p.a. floating rate up to ₹2,00,000
- 7.25% – 9.50% for loans exceeding ₹2 Lakh (depends on bank and CIBIL)
- Flexible tenures up to 10 years (120 months) with public sector banks
Detailed EMI & Loan Payment Calculator
Plan your solar financing and see how monthly electricity savings offset your loan payment.
Required Documents for PM Surya Ghar & Bank Loan
Keep these standard documents handy for PM Surya Ghar portal submission and bank loan processing.
Electricity Bill
Latest electricity bill showing consumer service number in the applicant's name.
Aadhaar Card
Aadhaar card copy linked with mobile number for national portal verification.
Bank Passbook / Cheque
Cancelled cheque or passbook copy showing account number & IFSC code for direct government subsidy credit.
PAN Card
PAN card copy required for bank loan KYC processing.
House Property Proof
Property tax receipt or ownership proof of the premises where the system is to be installed.
Passport Photographs
Passport size photographs for bank loan documentation.
The 5 Steps from Registration to Subsidy Disbursement
Site Survey & Technical Feasibility
Rooftop inspection and application submission on the PM Surya Ghar national portal.
System Installation
Surya Energy Infra completes physical installation with Topcon panels, inverters and mounting structures.
Net-Meter Inspection
Submission of work completion report and bi-directional net-meter installation by utility engineers.
Commissioning Certificate
Issuance of the online commissioning certificate on the national portal.
Direct Subsidy Disbursement
Central government transfers ₹78,000 directly into the customer's verified bank account.