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Financing

Make solar affordable with easy EMI and financing options in Kerala. Learn about solar loans from banks, NBFC financing, and subsidy-linked loan schemes. Go solar with zero or low upfront cost.

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Pay from Your Savings! Easy EMI & Financing Options

The upfront cost of solar should never be a barrier to energy independence. Aadithya Innovations works with leading banks and financial institutions to offer easy solar loans and EMI options that make your solar investment affordable — often with EMI amounts that are lower than your current electricity bill!

Financing Options Available

Flexible solar financing solutions tailored for every homeowner

1
Government-Backed Solar Loans
Under the PM Surya Ghar scheme, tied-up bank loans at competitive interest rates. Collateral-free up to a certain limit with simplified documentation.
PM Surya Ghar Scheme
2
Nationalized Bank Solar Loans
Banks including SBI, Bank of Baroda, Canara Bank and others offer dedicated solar loans with repayment of 5–10 years at attractive interest rates.
5–10 Year Repayment
3
NBFC Financing
Non-Banking Financial Companies offer quick approval solar loans with flexible repayment options tailored to your financial needs.
Quick Approval
⭐ Most Popular
4
Subsidy + Loan Combination
Apply for PM Surya Ghar subsidy and finance the rest through a bank loan. Subsidy credited directly to your account post-installation to prepay part of the loan.
Maximum Savings
Maximum Subsidy Available
₹78,000
Combine the PM Surya Ghar subsidy with a bank loan — subsidy credited directly to your account post-installation, reducing your loan burden instantly.
SOLAR
Sample EMI Calculation
5kW Solar
System
Finance breakdown · 7-year plan
System Cost
₹3,40,000
Total installed
Govt. Subsidy
₹78,000
Deducted upfront
Loan Amount
₹2,62,000
After subsidy · 7 yrs
Monthly Breakdown
Your EMI
₹4,200
You Save
₹5,700
Net Monthly Gain
₹800 – ₹1,500 / Month
Earning from Day 1

Your EMI is fully covered by your electricity savings — and then some. You're not paying for solar — solar is paying you. The system earns its keep from the very first month.

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Solar Finance Plan
Personalised loan, subsidy claim & full installation guidance — tailored to your budget.
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Aadithya innovations is an young renewable energy startup established in the year 2019 with Trivandrum as its Headquarters.

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