Solar financing that makes sense.
Pre-approved in 5 minutes. No branch visit. No paperwork. EMI that is lower than your current electricity bill for most 3 kW+ systems.
In 5 minutes, we tell you exactly what you need to know -- before any installer visits your home.
Your pre-approved limit based on a soft credit check. No impact to your CIBIL score.
Your actual rate, personalised to you -- not a range or an estimate. Disclosed upfront, no surprises.
Compare 5, 7, and 10-year options side by side. Choose the EMI that fits your budget.
Total interest paid, total outflow, full picture. Before you commit to anything.
Actual EMIs for common system sizes, at both available rates. After PM Surya Ghar subsidy applied.
At 7% -- PM Surya Ghar concessional rate, for systems up to 3 kW
| System After Subsidy | 5 Years | 7 Years | 10 Years |
|---|---|---|---|
| Rs 35,000 (1 kW) | Rs 693 | Rs 528 | Rs 406 |
| Rs 70,000 (2 kW) | Rs 1,386 | Rs 1,056 | Rs 813 |
| Rs 1,02,000 (3 kW) | Rs 2,020 | Rs 1,540 | Rs 1,184 |
At 10% -- NetZero Finance, for larger systems
| System After Subsidy | 5 Years | 7 Years | 10 Years |
|---|---|---|---|
| Rs 2,12,000 (5 kW) | Rs 4,502 | Rs 3,477 | Rs 2,803 |
| Rs 3,62,000 (8 kW) | Rs 7,691 | Rs 5,943 | Rs 4,792 |
| Rs 4,72,000 (10 kW) | Rs 10,022 | Rs 7,742 | Rs 6,243 |
How to read this: Your 3 kW system EMI starts at Rs 1,184/month (10 years at 7%). Most 3 kW systems save Rs 2,000-4,200/month in your city. Your saving minus your EMI is yours from day one.
PM Surya Ghar subsidy of up to Rs 78,000 already deducted from system cost. EMIs calculated using standard reducing balance method.
We show you exactly how we compare to other options. Including where we are not the cheapest.
| SBI Surya Ghar | HDFC Bank | ICICI Bank | Suryam (NetZero Finance) | |
|---|---|---|---|---|
| Rate (up to 3 kW) | 7% | 9-11% | 8.75-10.5% | 7-10% |
| Approval time | 4-6 weeks | 2-3 weeks | 2-3 weeks | 5 minutes |
| Branch visit | Yes | Sometimes | Sometimes | Never |
| Documents | Extensive | Moderate | Moderate | PAN + Aadhaar |
| Installer included | No | No | No | Yes -- certified, rated |
| PM Surya Ghar filing | No | No | No | Yes -- we handle it |
| Monitoring app | No | No | No | Yes -- free, lifetime |
"I was worried about the 10% rate. The approval came in literally one day. SBI took 12 days just to ask for more documents. My EMI is Rs 1,751 for 7 years -- still less than the Rs 4,200 I save monthly. Time value of money: I started saving 11 days earlier."
Manoj Kulkarni, PuneThree steps. No commitment. No paperwork. Just information to help you decide.
Enter your PAN, name, date of birth, income range, and pincode. That is all we need to get started.
Soft credit check runs automatically. Your CIBIL score will not change. No hard inquiry, no record on your credit file.
Your pre-approved limit, interest rate, and full EMI table for 5, 7, and 10-year tenures. No commitment required -- just information.
5 minutes. Soft check. Will not affect your CIBIL score.
The EMI we quote is the EMI you pay. No hidden charges.
"The EMI for our 3 kW system is Rs 1,540 a month through SBI at 7%. Our old electricity bill was Rs 3,800. We are pocketing Rs 2,260 every month and owning a solar plant. The math was so obvious."
Pooja Verma, NoidaKnow your EMI first. Then decide.
Check My Pre-Approval5 minutes. Soft check. Will not affect your CIBIL score.
Or ask us on WhatsAppFinancing by NetZero Finance Pvt Ltd -- RBI-Licensed NBFC