SBI Bank Loan for 1 MW Solar Power Plant in India: Eligibility, Subsidy & Interest Rate 2025

 kaise milega SBI Bank Loan for 1 MW Solar Power Plant in India ? Jaane eligibility, interest rate, government subsidy aur repayment rules.

Introduction

India me renewable energy projects fast grow kar rahe hain, aur government bhi solar power ko promote kar rahi hai. Agar aap 1 MW solar power plant setup karna chahte ho, to sabse pehle requirement hoti hai finance/loan.

State Bank of India (SBI) apne Renewable Energy Financing Scheme ke through solar power plants ke liye loan provide karta hai, jisme aapko project cost ka major portion finance mil sakta hai.

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Cost of SBI Bank Loan for 1 MW Solar Power Plant in India (2025 Estimate)

• Approximate Cost: ₹3.5 crore – ₹4 crore (land cost alag hoti hai).

• Government Subsidy: 20% – 40% tak (state aur project type par depend karta hai).

• Payback Period: ~5-7 years (depending on tariff & generation).

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SBI Bank Loan for 1 MW Solar Power Plant in India – Key Features

1. Loan Coverage – Project cost ka 70% tak SBI finance karega.

2. Interest Rate – ~8% to 10.5% per annum (depend karta hai borrower profile aur project risk par).

3. Loan Tenure – 10-15 years tak ka repayment option.

4. Moratorium Period – 6 months to 1 year (plant ke commissioning ke baad repayment start).

5. Collateral – Project assets (land, equipment) + additional security (if required).

6. Eligible Borrowers – Individual entrepreneurs, companies, farmers groups, and renewable energy firms.

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Documents Required for SBI Solar Loan

• Detailed Project Report (DPR) of 1 MW plant

• Cost estimates and expected revenue (Power Purchase Agreement – PPA with DISCOM or third-party buyer)

• Land ownership/lease proof

• KYC of applicant/company

• GST/ITR statements (for businesses)

• Government approvals & clearances

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Government Subsidy on 1 MW Solar Plant

• Central Financial Assistance (CFA) – 20% subsidy on benchmark cost for certain projects.

• State Subsidy – States like Gujarat, Rajasthan, Maharashtra aur Tamil Nadu me additional subsidy available hai.

• Accelerated Depreciation – 40% depreciation benefit for businesses investing in solar power.

👉 Subsidy ke saath SBI loan lena aur bhi profitable ho jata hai.

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Repayment & ROI (Return on Investment)

• Agar ek 1 MW solar power plant average 14-15 lakh units per year generate karta hai

• Aur DISCOM se aapko ₹4–₹5 per unit ka tariff milta hai
  👉 To aap ₹60-70 lakh annual revenue generate kar sakte ho.

Matlab SBI loan + subsidy ke saath, aap 5-7 years me investment recover kar sakte ho.

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Benefits of Taking SBI Loan for Solar Plant

✅ Low interest rate financing
✅ Long tenure (up to 15 years)
✅ Government subsidy + tax benefits
✅ Green energy project support
✅ Stable long-term revenue

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FAQs – SBI Bank Loan for 1 MW Solar Power Plant in India

Q1. Kya SBI 1 MW solar plant ke liye loan deta hai?
👉 Haan, SBI apne renewable energy finance scheme ke under 1 MW aur bade solar projects ke liye loan provide karta hai.

Q2. 1 MW solar power plant ki cost kitni hoti hai?
👉 Approx ₹3.5 crore – ₹4 crore (excluding land).

Q3. Loan ke liye maximum amount kitna mil sakta hai?
👉 Project cost ka 70% tak SBI finance karta hai.

Q4. Interest rate kitna hota hai?
👉 ~8% se 10.5% tak (borrower profile par depend karta hai).

Q5. Government subsidy kaise milegi?
👉 Central aur State Renewable Energy Departments ke through, plus MNRE (Ministry of New and Renewable Energy).

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Conclusion

Agar aap 1 MW solar power plant setup karna chahte ho, to SBI bank ka renewable energy loan ek strong option hai. Subsidy + long tenure + low interest rate ke combination ke saath ye ek profitable investment ban sakta hai.

👉 Clean energy ke saath revenue generate karna aur sustainable future me contribute karna – dono ek saath possible hai! 🌞⚡

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