A 3 kW rooftop solar system in Jaipur on SBI Solar Loan = ₹2,449/month for 5 years. Most customers save more on their JVVNL bill than they pay in EMI — so cash flow is positive from month one.
EMI on a 5-year, 9% pa solar loan for typical Jaipur system sizes:
| System | List | Net (post-subsidy) | EMI (5y @ 9% pa) |
|---|---|---|---|
| 2 kW | ₹1,34,000 | ₹57,000 | ₹1,184/mo |
| 3 kW | ₹1,96,000 | ₹1,01,000 | ₹2,098/mo |
| 4 kW | ₹2,58,000 | ₹1,63,000 | ₹3,385/mo |
| 5 kW | ₹3,20,000 | ₹2,25,000 | ₹4,672/mo |
(Net cost = list − ₹78,000 PM Surya Ghar subsidy − ₹17,000 Rajasthan RREC top-up. Subsidy is credited to your bank 30-45 days after commissioning, reducing the loan principal.)
MNRE-verified guidance and local Jaipur customer case studies
Side-by-side comparison of SBI, PNB, Canara, BoB and Union Bank solar loans. Best rates, tenures and processing times for PM Surya Ghar.
Read Success StoriesA 4 kW rooftop solar install in Mansarovar Jaipur cut a ₹6,800 monthly JVVNL bill to ₹420, with a 5-year SBI EMI of ₹3,737. Net positive cash flow from month one.
Read Success StoriesA retired Vaishali Nagar Jaipur couple cut their ₹5,200 JVVNL bill to ₹380/month with a 3 kW system, ₹78,000 subsidy, and ₹2,449/mo SBI EMI.
Read Success StoriesPremium Malviya Nagar bungalow with central AC + EV: 6 kW solar cuts ₹9,800 JVVNL bill to ₹420/month. ₹3,271 net positive cash flow per month from month one.
Read Success StoriesC-Scheme heritage bungalow installs 10 kW solar with JDA NOC, drops ₹14,500/mo bill to ₹680. ₹2,429 monthly savings during loan; ₹1,62,000 annual after.
Read Success StoriesMiddle-income Jhotwara teacher installs 2 kW solar at just ₹57,000 net cost. PNB ₹1,164/mo EMI replaces ₹3,350 JVVNL bill — saves ₹1,956/month from month one.
ReadYes for most homes — a 3 kW EMI is ₹2,098/mo vs typical Jaipur bill of ₹3,500-₹6,000.
For a typical Jaipur 3-BHK household paying ₹4,000-₹6,000/month JVVNL bill, a 3 kW system EMI of ₹2,098/month replaces ₹3,800-₹5,500 of grid cost — net positive cash flow of ₹1,700-₹3,400/month from month one. After loan tenure ends (year 5), savings become pure profit for the next 20 years.
PNB Surya Shakti is fastest at 7-9 working days; SBI offers the lowest rates.
PNB Surya Shakti typically disburses in 7-9 working days. SBI Solar Loan (Jansamarth portal) gives the lowest rates (5.75%–10.15% pa) and is best for amounts ≥ ₹2 lakh. Canara Bank and Bank of Baroda are good alternatives for ≥650 CIBIL applicants.
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