Paid up front
We pay for the system, so you don’t have to find the full amount while the subsidy is on its way.
Solar on your roof now. Don’t wait for the subsidy.
We pay for your 1–2 kW rooftop system up front, so you don’t have to find the money while the PM Surya Ghar subsidy is on its way.
- Loan amount
- ₹80,000 – ₹1,50,000
- Interest a year
- 14%
- One-time processing fee
- 1%
- Rooftop system size
- 1–2 kW
A loan built around the subsidy
The subsidy arrives after installation. With us, you don’t have to wait for it.
First-time borrowers welcome
No credit history? You can still apply. If you have one, a score of 600 or above is enough.
Regulated and clear
We’re registered with the RBI. Your Key Fact Statement lists every charge before you sign.
How it works
Five steps from application to a working solar roof.
Step 1: Register on PM Surya Ghar
Sign up on the national rooftop solar portal and get your DISCOM’s approval for your roof.
Step 2: Apply on JanSamarth
Choose us as your lender. We check your credit score and documents.
Step 3: Panels go up
Once your loan is approved, we pay for the system and your vendor installs it.
Step 4: Net meter and subsidy
Your DISCOM inspects the system and fits a net meter. Then the subsidy is credited.
Step 5: Repay monthly
Pay back in monthly instalments, as set out in your Key Fact Statement.
Who can apply
- You own your house, with a roof that can take a 1–2 kW system.
- The electricity connection is in your name.
- You live in a district we cover in Chhattisgarh or Odisha.
Chhattisgarh
Selected districts. Ask us whether yours is covered.
Odisha
Selected districts. Ask us whether yours is covered.
Questions
Something else on your mind? Ask us to call you.
What is a subsidy bridge loan?
Under PM Surya Ghar, the government subsidy is paid only after your system is installed and inspected. A bridge loan pays for the system up front, so you don’t need to find the full amount from savings while you wait.
I have never taken a loan. Can I still apply?
Yes. If you have no credit history, you can still apply. If you do have one, we need a score of 600 or above.
What does the loan cost?
Interest is 14% a year, plus a one-time processing fee of 1% of the loan amount. Before you sign, you get a Key Fact Statement listing the total cost and every charge.
Are you regulated?
Yes. We are a non-banking financial company registered with the Reserve Bank of India. You can check our registration on theRBI website.
Ask us to call you
Leave your number. We’ll explain the loan, check that your district is covered, and help you apply.