Finance your rooftop solar system with zero collateral up to ₹6,00,000 under the central PM Surya Ghar: Muft Bijli Yojana. SBI Surya Ghar Rin, PNB, and Canara Bank tie-ups with 10-year repayment windows, zero prepayment penalties, and monthly power bill savings that exceed your EMI from Day 1.
Enter your details below to receive your exact system sizing, PM Surya Ghar subsidy (up to ₹78,000), and net cost sent directly to your WhatsApp.
What you'll receive on WhatsApp: Detailed kW sizing, ₹78k subsidy paperwork, DHBVN net-metering savings & free site visit slot.
Under PM Surya Ghar financing, your solar system pays for itself. The monthly electricity bill savings exceed the loan EMI, leaving extra money in your pocket from the very first month.
2–3 BHK Builder Floor (Bill: ₹3k–₹5k)
3–4 BHK Floor / Villa (Bill: ₹6k–₹9k)
Duplex Villa / Large Kothi (Bill: ₹10k–₹15k)
Independent Bungalow / Commercial Office
Voltmen Solar has direct integration with all major public sector banks on the Jan Samarth national portal, speeding up loan sanctions to under 72 hours.
| Bank & Scheme | Interest Rate | Max Loan Amount | Processing Fee |
|---|---|---|---|
State Bank of India (SBI) SBI Surya Ghar Rin Scheme | 6.00% – 7.00% p.a. | Up to ₹6,00,000 | Nil (Zero processing charge) |
Punjab National Bank (PNB) PNB Solar Rooftop Financing | 7.00% – 7.25% p.a. | Up to ₹6,00,000 | Nil via Jan Samarth digital window |
Canara Bank Canara Solar Shikhar Scheme | 7.00% – 7.40% p.a. | Up to ₹6,00,000 | Waived for PM Surya Ghar beneficiaries |
Bank of Baroda (BoB) BoB Rooftop Solar Energy Loan | 7.00% – 7.50% p.a. | Up to ₹6,00,000 | Minimal / Waived on digital portals |
* Interest rates linked to RBI Repo Rate and applicant CIBIL score (680+). Zero prepayment charges apply across all empaneled public sector lenders.
Get Exact Bank Rate for Your Home →Voltmen Solar assists you through the entire online workflow from engineering survey to digital sanction and direct DBT subsidy linking.
Our in-house engineer inspects your terrace in Gurgaon, models your 3D shadow profile, and provides your official system proposal.
We register your consumer ID on pmsuryaghar.gov.in, submit feasibility to DHBVN, and receive your Application Reference Number.
Log in to jansamarth.in under the "Solar Rooftop Loan" tab. Select your preferred bank (SBI, PNB, Canara) and upload basic KYC.
Receive your instant in-principle sanction letter within 48–72 hours with zero branch visits. The bank directly issues the loan order.
Voltmen installs your plant in 2–3 days. DHBVN net meter is energized, and ₹78,000 DBT subsidy credits to your account within 30 days.
Is collateral or a property mortgage required for a PM Surya Ghar solar loan?
No collateral or property mortgage is required for loans up to ₹2 Lakhs, and up to ₹6 Lakhs the solar plant equipment itself acts as hypothecation security. Your home, land, or building is completely safe and unencumbered.
What is the exact interest rate for rooftop solar loans in Haryana?
Under the PM Surya Ghar framework, public sector banks (SBI, PNB, Canara Bank) offer concessional floating interest rates pegged at Repo + 0.5% (currently approximately 6.00% to 7.00% p.a.). For borrowers with a CIBIL score above 750, rates are locked at the lowest benchmark tier.
Can I prepay or close the loan early using my ₹78,000 government subsidy?
Yes, 100%! All empaneled national banks under the Jan Samarth PM Surya Ghar framework offer zero prepayment penalty and zero foreclosure charges. When your ₹78,000 direct bank transfer (DBT) subsidy arrives, you can immediately pay down your loan principal to slash your tenure and interest.
Will my monthly loan EMI be lower than my current DHBVN electricity bill?
Yes. For a standard 3 kW system, the monthly EMI over a 10-year repayment schedule is approximately ₹1,180 to ₹1,350/mo. That same 3 kW system generates 360 to 420 units of power monthly, saving ₹2,900 to ₹3,500/mo on your DHBVN bill. You enjoy immediate net-positive monthly cash flow from Day 1.
What documents are required to apply for the solar loan on Jan Samarth?
You only need 5 basic documents: 1) Latest 3 months DHBVN electricity bill, 2) Proof of house/roof ownership (sale deed, registry, or allotment letter), 3) Aadhaar Card, 4) PAN Card, and 5) Last 6 months bank statement. Voltmen Solar provides your official system quotation and Single Line Diagram (SLD).
Can residents of builder floors and kothis in Gurgaon get this bank loan?
Yes. Any homeowner in Gurgaon, Manesar, Sohna, or Faridabad with an independent DHBVN electricity meter and legal rooftop access or mutual RWA NOC can apply for the loan.
Get an instant pre-eligibility review and customized EMI plan from Voltmen Solar’s dedicated bank liaison desk in Gurgaon.
Enter your details below to receive your exact system sizing, PM Surya Ghar subsidy (up to ₹78,000), and net cost sent directly to your WhatsApp.
What you'll receive on WhatsApp: Detailed kW sizing, ₹78k subsidy paperwork, DHBVN net-metering savings & free site visit slot.