Loan EMI

How to Buy Solar Panel on Loan?

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The consumption of electricity in homes has been increasing over the years. It varies from season to season. If a household gets an electricity bill of Rs. 2000 during the rainy season, it can easily go up to Rs. 5000 during hot summer days, which is expensive for a common man. The family also does not want to run ACs at free will and is more cautious when running an AC at home because he is scared of the high electricity bill. In such a situation, a homeowner starts looking for alternatives to reduce his electricity bill. One such super-effective alternative is the application of solar energy and generating free power. But people often face a few challenges when installing a solar system. These are

i)No loan financing available for solar system installation 
ii)Availing Net Meters for the solar system.

Can we get a loan on the solar system?

Buying a solar system is just like buying any other product like a car. Come to think of it, the purchase and ownership of mobile phones, cars, or homes have become convenient these days due to the easy availability of loans and EMI options. Everyone knows how to buy mobile phones, cars, and homes on EMI but do you know how to buy a solar system on loan?

Anyone holding a credit card can easily avail of the EMI option on a solar system, but do debit cardholders have this facility? About 80 crores Indians are bank cardholders, out of which nearly 30 crores people own Pradhan Mantri Jan Dhan Yojana debit card (ATM card). Only 50 lakh people i.e. approximately 1% have credit cards that allow them to avail EMI option on the installation of solar systems. 

There are two ways of availing of loans on a solar system.

Option 1: Buy “Solar Panel” on EMI with Debit Card

A few banks such as SBIHDFC BankAxis BankICICI BankKotak Mahindra Bank, and Federal Bank have already made it easier to avail loan facility by allowing to check the Loan Eligibility Criteria to buy solar panels.

A potential customer has to send an SMS like DCEMI<SPACE><last digits of Debit Card Number> to 56767, in case he has an account with HDFC bank. One should use the same mobile number to send this text message, as is registered with the bank. You will get a reply with your loan status on the same number. If you will be eligible, you will get a message regarding your eligibility amount in the message itself. The chance of loan approval is just 0.02% and the cardholder’s approval for a loan depends on the bank’s internal database/ criteria.

Similarly, you can try for other banks like:

– SBI Bank – SMS DCEMI to 567676 from your registered mobile number 

– ICICI Bank – SMS DCEMI<SPACE><last 4 digits of Debit Card number> to 5676766

– Axis Bank – SMS DCEMI<SPACE><last 4 digits of Debit Card number> to 5676782

– Kotak Bank – SMS DCEMI<SPACE><last 4 digits of Debit Card number> to 5676788

– Federal Bank – SMS DC<SPACE>EMI to 9008915353 or give a missed call to 7812900900 

Option 2: Way to Get Home Improvement Loan from the Bank

A few banks like the State Bank of India grant loans of up to Rs.1 lakh for home improvement with an interest rate of nearly 8%. The loan term is 4-5 years or more. A customer can avail of such loans for installing the solar system. 

What does a customer need to avail of a loan for Home Improvement?

STEP 1. He needs to visit the nearest bank branch of his area and find out about the bank’s policy on the Home Improvement loan.

STEP 2. The next step is to contact any dealer or a distributor of a private solar company like Loom Solar in your area. They will give a quotation of the size of the solar system that the customer needs to install on their own letterhead. This letter is needed for availing of the loan.

STEP 3. Now the bank will transfer nearly 80% of the total price of the solar system to the private company’s reseller’s bank account. It might take around 5-7 days for the whole process.

STEP 4. Then the reseller of the private company will install the solar system at the customer’s premises. When the customer hands over the NOC to the reseller, the bank transfers the balance 20% to the reseller’s bank account.

List of Banks in India for Rooftop Solar Finance

In India, many banking and non-banking services offer easy solar finance for rooftop solar installation. Below is the list of banks that provide homes with solar loans / easy EMI,

1. HDFC Bank Rooftop Solar Finance

HDFC is the largest private sector bank of India in terms of its assets and market capitalization. It is the third-largest company listed by the Indian Stock Exchanges. HDFC Bank Limited offers banking and financial services to its customers and has its headquarters in Mumbai, Maharashtra. Find out more information

Read our Blog:-

2. SBI Rooftop Solar Finance

The Government of India has set an ambitious target of installation of Grid Connected Rooftop Solar Photovoltaic (GC-RSVP) projects with capacity aggregating 40 GW out of the total incremental target of 175 GW of Renewable Energy capacity by 2022. 

Read our Blog:-


The most common questions in installing a solar system are what will be the total cost, can I get a loan or EMI option and where can I get the net meters? You can contact Faridabad’s Loom Solar Company has installed grid-connected solar systems on loans and net meters at many customers’ home premises.

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