What is the solar loan scheme in Guwahati, Assam?
Purchasing and installing a solar system can be just as expensive as purchasing a new car, mobile phone or even a motorcycle. However, solar energy is on the rise and as the Government of India promotes the installation of solar panels, convenient funding options for solar systems have cropped up. If you do not have the full amount required to purchase and install a solar system, you can apply for a solar loan.
Which banks offer solar loans in Guwahati, Assam?
Solar loan schemes are currently offered by many national, state and private banks in India including State Bank of India (national), Bank of Maharashtra (Maharashtra), Saraswat Bank (Maharashtra), Canara Bank (national) and even Central Bank of India (national). Many other banks including Axis Bank, HDFC Bank and ICICI bank offer solar loans; however, these are under the scheme “home improvement loans”.
In Guwahati, Assam, the following banks offer solar loans to customers:
- State Bank of India
- Punjab National Bank
- Canara Bank
- For any suggestion mail us at marketing@loomsolar.com
However, a solar loan can also be availed from other national or private banks as a home improvement loan. Some popular banks and non-banking institutes that offer home renovation and improvement loans are:
- HDFC Bank
- Axis Bank
- ICICI Bank
- Bajaj Finance
- Bank of Baroda
- Kotak Bank
- Paisabazaar
These are only some of the banking and non-banking institutions through which you can apply for a solar loan. When applying for a solar loan, you should also consider other factors like solar loan eligibility, interest rates, and EMI.
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How do you check the eligibility for a solar loan?
Given below are the criteria you have to fulfil to be eligible for a solar loan:
- Age: The applicant should be at least 18 years of age when applying for the solar loan. The maximum age limit is capped at 55-60 years, depending on the bank.
- Income: The income of the applicant should be at least Rs.15,000–20,000. The applicant should provide proof of sufficient income.
Special considerations: Some banks have separate schemes specifically for farmers, tenant farmers, panchayat members and agri-entrepreneurs.
What is the interest rate on the solar loan?
The interest rate on solar loans is between 1.5% to 10%. The interest rate for solar loans is decided individually in each case. Some factors that can affect the interest rate on solar loans are:
- Bank of choice: Different banks provide different interest rates on home improvement and solar loans. Therefore, you may receive different quotations from different banks.
- Credit score: Your credit score is an important eligibility criterion for a solar loan. A poor credit score (lower than 700) may mean you receive higher interest rates.
- Income: Some banks also consider your employment history when accepting offers; however, all banks will consider your income when you apply. Income history and stability is used to understand how long you may take to repay the loan.
Many other factors can affect interest rates on solar loans; however, these are three primary criteria.
What documents do you need to apply for a solar loan?
- Proof of Identity and address: You are required to provide proof of identity and address. You can select any two documents: PAN card, Aadhar card, driving license, ration card or voter ID.
- Proof of income: In order to be eligible for a solar loan, you have to provide proof of income. This is:
- For salaried persons: Three months’ payslips. These have to be consecutive and in the same financial year as the application.
- For self-employed: Bank statements from the last 6 months.
Other documents that some banks may ask for:
- Proof of property ownership or rent agreement (for tenant farmers).
- Employment certificate (for salaried persons).
- GST returns for 1-3 consecutive years (for self-employed).
- Income tax return proof for 2-3 years.
How to calculate EMI for a solar loan?
Solar loans and home improvement loans have a repayment period of 3 to 5 years. To calculate the EMI you need to pay, use the following formula:
Where P=principle amount, r=rate of interest, and n=number of months you have to pay the loan.
You can also use an EMI calculator to get the EMI amount on your solar loan.
Type of solar loans available in Guwahati, Assam
In Guwahati, Assam, you can avail two types of solar loans:
- EMI on debit cards:
Many banks allow their customers to purchase solar systems on their debit cards. This facility is provided by many major banks in India including ICICI Bank, HDFC Bank, Federal Bank, State Bank of India, etc. To understand whether you are eligible for this scheme, you can visit the bank’s website and search for “EMI on the debit card.” Standard EMI on the debit card has high-interest rates, between 7% and 16%.
- Solar or home improvement loans:
Alternatively, you can apply for either a home improvement loan or a solar loan directly from any bank. The application process for most banks is available both online and offline. You will be asked to show proof of income, identity and employment status. Solar and home improvement loans have lower interest rates, between 6% and 10%; however, they also have lower approval rates.
What is the process to avail solar loan in Guwahati, Assam?
The process to avail solar loan in Guwahati, Assam is as follows:
- Visit the bank’s nearest branch and inquire whether they provide solar loans. Alternatively, you can also visit the bank’s website to find this information.
- If the bank does not provide solar loans, inquire about the bank’s policy on “home improvement loans”.
- Contact a solar dealer or distributor in your neighbourhood or city and book an appointment.
- During the appointment, the dealer will provide you with an estimate for installing a solar system. The estimation will be sent as a formal quotation on the company’s letterhead.
- Complete the loan application online or physically. Submit the required documents.
- Your application will be scrutinized by the bank’s personnel and approved according to your eligibility.
- When you accept the loan, 80% of the loan amount will be transferred to your bank account. This can take 5–7 days after loan approval.
- You can contact the dealer and start the installation.
- Once solar system installation is complete, you will have to provide a No objection certificate (NOC) to the seller. The NOC informs the seller that the installation is complete and you do not see any problems.
- The bank will transfer the remaining 20% into your bank account.
This is the process of applying for a solar loan. On average, the process takes 2 weeks to one month.
119 comments
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I happened to fall for a crypto currency scam trick Late last year.Through a phishing scam, a Facebook imposter convinced me of how I would gain a large sum of profit from an authorized crypto company that he claimed helped traders invest and gain large profits. They ripped me of and made a way off with $114000 woth of crypto.I was in disbelief and discomfort as this was my hard earned funds.After reading positive articles and online testimonies about a licensed group OF COINS RECOVERY EXPERTS wizard of how they are experts in crypto/btc recovery and any form of hacking.After hitting a conversation with them,they were able to recover back my funds.As a form of appreciation this was the best I could do for them. Contact; Email COINSRECOVERYWORLDWIDE@gmail.com) or reach them through;WhatsApp number:+ 19496499963
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About 2 months ago my husband was convinced on Facebook to invest in a crypto investment that projected a huge profit in only few weeks. He went ahead and put in about $ 352, 000 worth of BTC. After waiting for more than a month and still nothing happen, it was apparent he had been sc^mmed. He approached me and explained everything to me. This really made me sad. I looked online and all the information I was getting says the BTC is gone. I met with my younger sister a few days later and explained to her and that is when she introduced me to a hacker named ‘REFUND POLICY’ whom she had known since her college days. I was reluctant at first to contact this hacker as I did not believe the situation was repairable, but it only took them less than 48hrs in recovering our BTC. It was like a miracle, I will forever be grateful to REFUND POLICY and that is why I am putting their contact details here in case anyone here need their services, they can also help you investigate your cheating partner. Email: COINSRECOVERYWORLDWIDE AT GMAIL DOT COM
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pincova eva
Dobrý den, uvažujete o půjčce na zaplacení některých účtů nebo pronájem bytu, máme pro vás nejlepší nabídku, naše služby jsou velmi spolehlivé, můžete mít půjčku od 20 000 Kč do 60 000 000 Kč s nízkou dostupnou sazbou, pro více informací kontaktujte nás prosím e-mailem: pincovaeva114@gmail.com
pincova eva
Dobrý den, uvažujete o půjčce na zaplacení některých účtů nebo pronájem bytu, máme pro vás nejlepší nabídku, naše služby jsou velmi spolehlivé, můžete mít půjčku od 20 000 Kč do 60 000 000 Kč s nízkou dostupnou sazbou, pro více informací kontaktujte nás prosím e-mailem: pincovaeva114@gmail.com
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Greetings,
my name is Mrs. Vivian Salem, I am the widow to the late Mr. Nasim Salem in Iraq. Over one year ago, I lost my husband Nasim and three children (Husam, 15 years old, Wasim, 12 years old and Merna, 6 years old) this happened when an American Combatant Military Tank shelled our car as my family attempted to flee heavy fighting in Baghdad.
My husband was a renowned Industrialist in Iraq, until his tragic death, he left sum manifold amounts with a Security & Finance Firm in Europe for safe keeping. My reason for contacting you is that Baghdad – Iraq is no longer a safe place for investment for the fear of encountering the same experience my late husband encountered. Since massive bomb attacks. my need to invest this money in your country, either in real estate or any viable business venture you may suggest is of vital importance. Based on this point I seek for your assistance as a reliable partner to proceed to complete this project with me abroad.
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Best Regards
Vivian Salem
Priyanka Raj
Everything occurred so quickly. I was at work one morning when I received an email from blockchain asking me to verify my wallet address for safety reasons, which I did thinking it was the appropriate blockchain email address sending the mail to me. I then clicked a file that was attached to the email, that’s when everything went wrong. My personal computer collapsed for a brief period, and then I got an alert that my Bitcoin had been submitted into a different wallet. I tried emailing the blockchain support since I was so enraged and perplexed to see if there was any chance I could get my bitcoins back, but they stated there was nothing they could do. I gave up on it for a little period of time. I was informed that I could actually find Bitcoin with the aid of a hacker. I requested assistance from jamesmckaywizard who was introduced to me through a colleague. They only required the information from my own wallet. The money was found in my wallet in less than 4 working days, and it turned out that the intruder had already spent some of it, leaving me with only about 53,820.00 bitcoins. I’m still pleased and happy, jamesmckaywizard@gmail.com deserves every bit of praise for the fantastic job they did. They are influential on WhatsApp and email. jamesmckaywizard@gmail.com or What’sapp +919863293475
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