Meta Title: SBI Surya Ghar Yojana 2025 – Easy Solar Rooftop Loan up to ₹6 Lakh | Full Details
Meta Description: Know everything about SBI Surya Ghar Yojana 2025 – eligibility, interest rate, subsidy, documents, loan amount, and online application steps for solar rooftop installation.
Slug: sbi-surya-ghar-yojana-solar-loan-2025
What is SBI Surya Ghar Yojana?
The SBI Surya Ghar Yojana is a special loan scheme launched by the State Bank of India (SBI) to promote solar rooftop installations across India.
Under this scheme, you can get a loan of up to ₹6 lakh for installing a solar rooftop system at your home. It’s a step towards clean energy, saving electricity bills, and supporting the PM Surya Ghar Muft Bijli Yojana initiative by the Government of India.
Loan Categories under SBI Surya Ghar Yojana
| Loan Category | Loan Amount | Installation Capacity | Effective Interest Rate | Maximum Tenure | Processing Fee |
| Category 1 | Up to ₹2 lakh | Up to 3 kW | 6.00% (EBLR – 2.15%) | 10 years (with 6-month moratorium) | Zero |
| Category 2 | Above ₹2 lakh and up to ₹6 lakh | 3 kW to 10 kW | 8.15% (EBLR + 0%) | 10 years (with 6-month moratorium) | Zero |
Eligibility Criteria
For Loan up to ₹2 Lakh:
- Individual applicants up to 65 years of age (loan to close before 70 years).
- No minimum CIBIL score required.
- Must have sufficient rooftop space and permission to install solar panels.
- Must hold a Savings Account in SBI.
- Latest electricity bill required.
For Loan above ₹2 Lakh and up to ₹6 Lakh:
- Applicant’s age up to 75 years (with co-borrower).
- Minimum CIBIL score of 650.
- Minimum net annual income – ₹3 lakh.
- Adequate roof area and authority/permission to install the system.
- Latest electricity bill and active SBI savings account are mandatory.
Who Can Apply?
All resident individuals who have rights over their house roof or land are eligible. Both ground-mounted and elevated solar panel installations are allowed.
Loan Amount and Margin
- Minimum Loan: No minimum limit
- Maximum Loan: ₹6 lakh
- Margin (Own Contribution): Minimum 10% of project cost
Interest Rate (as on June 15, 2025)
- For loans up to ₹2 lakh – 6.00% p.a.
- For loans above ₹2 lakh to ₹6 lakh – 8.15% p.a.
(Floating Rate of Interest – may change as per EBLR)
Repayment and Moratorium Period
- Maximum Tenure: 10 years (including moratorium period)
- Moratorium: 6 months after loan disbursement
- No prepayment charges – you can repay early without penalty
Security and Insurance
- Loan secured through Hypothecation of Solar Assets.
- Insurance:
- Not mandatory for systems up to 3 kW (loan up to ₹2 lakh).
- Mandatory for systems above 3 kW (loan above ₹2 lakh).
- Insurance cost to be borne by the customer.
- Not mandatory for systems up to 3 kW (loan up to ₹2 lakh).
Government Subsidy on Solar Rooftop
The Government of India offers direct subsidy under the MNRE (Ministry of New and Renewable Energy) scheme.
| Capacity | Subsidy Amount |
| 1 kW | ₹30,000 |
| 2 kW | ₹60,000 |
| 3 kW and above | ₹78,000 |
Borrowers must claim the subsidy on the official MNRE website:
👉 https://pmsuryaghar.gov.in
Provide your loan account number so that the subsidy gets credited directly to your loan account.
Documents Required
For Loans up to ₹2 Lakh:
- KYC documents (ID and address proof)
- Latest electricity bill
For Loans above ₹2 Lakh and up to ₹6 Lakh:
- KYC documents (ID and address proof)
- Electricity bill
- Income proof (ITR or Form 16 for last 2 years)
- 6 months salary slip (for salaried)
- Minimum annual income ₹3 lakh
How to Apply for SBI Surya Ghar Yojana
Step 1: Register your rooftop solar project at
🔗 https://pmsuryaghar.gov.in
Step 2: After registration, apply for the loan online via
🔗 https://www.jansamarth.in
Step 3: SBI will verify your documents and approve the loan.
Step 4: Loan amount (along with your margin) will be disbursed directly to the vendor or EPC contractor after MNRE approval.
Customer Support
For queries or clarifications, you can reach SBI through:
Toll-Free Numbers: 1800 1234 / 1800 2100 / 1800 112211
Email: cm4.retailloans@sbi.co.in or dgmecom.pbbu@sbi.co.in
FAQs on SBI Surya Ghar Yojana
1. What is the maximum loan limit?
You can get up to ₹6 lakh for rooftop solar installation.
2. Is there any processing fee?
No, SBI offers zero processing fee under this scheme.
3. What is the repayment period?
Maximum 10 years including 6 months moratorium.
4. Is CIBIL score required?
- Up to ₹2 lakh: No minimum score needed.
- Above ₹2 lakh: Minimum CIBIL 650 required.
5. How to claim the subsidy?
Visit pmsuryaghar.gov.in and submit your loan account number.
6. Is insurance mandatory?
Only for installations above 3 kW (loan above ₹2 lakh).
Why You Should Choose SBI Surya Ghar Yojana
- ✅ Low interest rates starting from 6%
- ✅ Zero processing fees
- ✅ Up to ₹78,000 government subsidy
- ✅ Easy online application process
- ✅ 100% transparent terms and conditions
Conclusion
The SBI Surya Ghar Yojana 2025 is an excellent opportunity for homeowners to switch to renewable energy and save on electricity bills. With affordable loans, government subsidies, and easy application steps, SBI makes it simple to power your home with solar energy.
So, if you’re planning to install a solar rooftop system, now is the right time to take advantage of this eco-friendly and cost-saving scheme.Apply Today: https://www.jansamarth.in