PNB Solar Loan — what you actually get
Under the PM Surya Ghar scheme, Punjab National Bank lends against your rooftop solar system on reducing-balance terms with a 10-year tenure. Real rate, eligibility bar, and the application flow we run for you.
PNB EMI calculator
PSU Bank · 6.5% reducing · zero foreclosure
Indicative EMI on post-subsidy loan amount. Final sanction, rate, and processing charges depend on credit profile and PNB branch discretion. Subsidy amounts shown are PM Surya Ghar central subsidy only — state top-ups are filed separately.
Get pre-qualified for PNB Surya Shakti / PM Surya Ghar Loan
We file the PM Surya Ghar application, package the PNB dossier, and walk it into the branch. You sign once.
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Chat on WhatsAppEligibility — quick check
- Indian resident, age 18–70 at loan maturity
- Own the rooftop where the system will be installed
- Active electricity connection in your name
- Stable income — salaried, self-employed, pensioner, or farmer
- CIBIL score 675+ preferred
- Existing PNB account is helpful but not mandatory
Documents to keep ready
- PAN and Aadhaar
- Last 6 months of bank statements
- Latest 3 months of salary slips, or last 2 years ITR for self-employed
- Electricity bill from your discom
- Title deed or sale agreement of the property
- PM Surya Ghar registration ID (we file this for you)
How the PNB application actually runs
Free site assessment
We visit your rooftop, measure shadow-free area, and lock in a system size that matches your monthly bill.
PM Surya Ghar filing
Bridgeway registers your application on the PM Surya Ghar portal and pulls the reference ID PNB needs.
PNB application dossier
We compile quotation, technical drawings, vendor invoice, and your KYC pack and submit to your PNB branch.
Sanction and disbursement
PNB sanctions in 2–3 weeks and disburses to Bridgeway against installation milestones — never as a lump sum to you.
Installation, net metering, handover
Install in 7–14 days, file net metering with your discom, and you start generating credits the same week.
FAQs — PNB solar loan
What is the PNB solar loan interest rate?+
PNB's rooftop solar loan under PM Surya Ghar is offered at 6.5% reducing-balance interest, tenure up to 10 years, with zero foreclosure charges. Branch-level discretion applies for credit-profile pricing.
How do I apply for a PNB solar loan online?+
PNB accepts applications through any branch and through the PM Surya Ghar national portal. Bridgeway files the portal application for you and walks the dossier into your branch — you don't chase the bank, we do.
Is there a PNB EMI calculator for solar loans?+
Use the calculator on this page. It uses PNB's published 6.5% reducing-balance terms on a 10-year tenure to estimate monthly EMI on the post-subsidy project cost.
Does PNB offer commercial solar loans?+
Yes, PNB lends to MSMEs and commercial customers under separate priority-sector renewable terms. Tenure, rate, and documentation differ from the residential PM Surya Ghar product — talk to our commercial team for a tailored quote.
Can I foreclose a PNB solar loan early?+
Yes. PM Surya Ghar PNB loans carry zero foreclosure charges. Many homeowners prepay using accumulated net-metering credits within 4–6 years.
Where Bridgeway fits
Bridgeway is empanelled with PM Surya Ghar and works with PSU banks (including PNB) and NBFCs. We don't earn referral fees from PNB — our revenue is the installation itself. The bank we recommend is the one that fits your tenure preference and cashflow, not the one paying us most.