PM Surya Ghar Yojana: To save people from rising electricity bills, the Government of India has started the PM Surya Ghar Bijli Yojana to promote solar panels in homes. Under this scheme, the Government of India helps people to install solar panels in their homes. In February 2024, the Prime Minister Narendra Modi This scheme was started by. Under this scheme, a target has been set to install solar panels in the homes of one crore people in India.
Under the scheme, the government also provides 300 units of free electricity. If you want to install solar panels under this scheme, but you do not have enough money, then under the scheme you can also get a loan from the bank. How much and how can you get the loan? Let us tell you.
You can get a loan of up to Rs 6 lakh
Under the Pradhan Mantri Surya Ghar Yojana, subsidy is provided by the Government of India on getting a solar panel connection. So that more and more people can get solar panel connection. But there are many people who do not have money to buy solar panels. Let us tell you that in this scheme, you have to pay money yourself first. After that, you are given subsidy by the government only after the whole process is completed.
In a way, you can understand that subsidy is available like cashback. But there are many people who do not have money to get the connection installed. So from where should they get the subsidy? For such people, the bank has kept a loan option in the scheme. Under which a loan of up to Rs 6 lakh can be taken from the bank.
This will be the structure of the loan
Under the Surya Ghar Yojana, there is a provision to give you a loan for installing two types of solar panel connections. In this, you are given a loan for installing a 3 kW solar plant and a 10 kW solar plant. In which if you are installing a 3 kW solar plant, then you are given a loan of up to Rs 2 lakh.
In this, you have to bear 10% of the expenses yourself. Whereas 90% amount is paid through bank loan. If you are installing a 10kw solar plant, then you can get a loan of up to Rs 6 lakh. In this, you have to pay 20% yourself. Whereas loan is given for 80%.
How to apply for loan
If you want to take a loan to install a solar plant under the Surya Ghar Yojana, you can go to your nearest bank branch. You can get the form for this scheme there and fill the form and submit it along with all the relevant documents.
may prove to be a good option
Many people do not have enough money to install a solar plant. Such people can benefit from getting a loan under the scheme. Because the loan is being given under the government scheme. So you will not have to pay much interest in it. However, it is necessary to first find out about this by going to your bank. Only then proceed with the loan process.
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