Solar Savings & SBI Loan EMI Calculator
Enter your electricity bill and see the exact system size, your PM Surya Ghar subsidy, your SBI loan EMI and how many years it takes to pay for itself. Everything updates as you type — no sign-up needed.
Your electricity bill
Karnataka LT-1 domestic tariff, FY2026–27
Your solar system
Sized to cover your usage — adjust if you want
How will you pay?
SBI rooftop solar loan under PM Surya Ghar
Maximum 10 years, including the moratorium.
What it costs
SBI loan — EMI breakdown
What you get back
Your money position over 25 years
Counts your down payment and every EMI going out, and your electricity savings coming in. Below the line you are still out of pocket; above it you are ahead.
Want the exact figure for your roof?
This is a close estimate. A free site visit gives you the real number — roof area, shadow-free space, structure and your sanctioned load all affect the final quotation. We handle the subsidy paperwork and the SBI loan application for you.
The numbers behind this calculator
Nothing is hidden — here is every rate used above.
| Karnataka LT-1 domestic tariff (FY2026–27) | |
|---|---|
| Energy charge | ₹5.80 / unit |
| Fixed charge | ₹150 / kW / month |
| Pension & Gratuity surcharge | ₹0.35 / unit |
| FY25 true-up charge | ₹0.56 / unit |
| FPPCA (average) | ₹0.35 / unit |
| Electricity tax | 9% on energy + fixed |
| Effective cost per unit | ₹0.00 |
| System, subsidy & SBI loan | |
|---|---|
| Generation | 4.5 units / kW / day |
| Panel degradation | 0.5% per year |
| Tariff increase assumed | 4% per year |
| PM Surya Ghar subsidy | ₹30,000/kW up to 2 kW, then ₹18,000/kW — max ₹78,000 |
| SBI rate, up to ₹2 lakh | 5.75% p.a. |
| SBI rate, ₹2–6 lakh | 7.90% p.a. |
| Maximum SBI loan | ₹600,000 · up to 90% of cost |
This tool gives an indicative estimate only. Actual generation depends on roof orientation, shading, weather and maintenance. Tariff components are revised by KERC and the FPPCA changes every month. SBI loan interest rates are linked to EBLR and are subject to change, eligibility and the bank's approval — the rate above ₹2 lakh requires a minimum CIBIL score of 650 and net annual income of ₹3 lakh or more. Loans up to ₹2 lakh are collateral-free; above that the solar system is hypothecated to the bank. Nothing here is a commitment of subsidy, loan sanction or savings. Please confirm current figures with your DISCOM and with SBI.