NBP ROSHAN GHAR - SOLAR FINANCE

NBP Roshan Ghar – Solar Scheme

NBP Roshan Ghar Solar Finance is an innovative initiative by the National Bank of Pakistan that helps households shift to clean, affordable solar energy. This product is designed for individuals who wish to reduce their electricity bills, enjoy uninterrupted power, and invest in an eco-friendly solution for their homes. With flexible instalments and lower markup rates, NBP makes it easier for families to install solar systems, secure long-term savings, and contribute to a sustainable future.
This scheme allows Pakistani homeowners to install solar systems through easy monthly instalments instead of paying a large lump sum. In this complete guide, you will learn everything about NBP Roshan Ghar financing, including eligibility, benefits, costs, and how to apply.

What is NBP Roshan Ghar Solar Financing?

Rising electricity prices and frequent power outages have pushed many households in Pakistan toward solar energy. However, the high upfront cost of installing a solar system remains a major barrier. To solve this problem, the National Bank of Pakistan introduced the Roshan Ghar Solar Financing Scheme. NBP Roshan Ghar Solar Financing is a consumer financing program designed to help individuals install solar energy systems at home. The bank provides funding for complete solar setups, which customers repay over a fixed period. Instead of paying PKR 800,000 to 2,000,000 upfront, you can spread the cost into manageable monthly payments. This scheme focuses on:

  • Reducing electricity bills
  • Promoting renewable energy in Pakistan
  • Making solar systems affordable for middle-income households

Eligibility Criteria For NBP Roshan Ghar

  • All men & women having a CNIC and Pakistani resident
  • Having a clean ECIB report and meeting 50% DBR (Debt burden ratio)
  • NBP account holders or those receiving any type of salary, such as private or government job holders
  • The minimum income required for government employees is 25,000, and for private employees, 35,000 PKR
  • The minimum net income for self-employed or business professionals is 70,000
  • For salaried persons, the age bracket is from 22 years to 60 years
  • For business professionals, the age bracket is from 22 to 65 years
  • Three years of employment experience are required for salaried individuals, one year for federal government employees, and three years of experience for business owners.
  • A property should be residential and mortgageable

NBP Roshan Ghar Financing Scheme Features & Benefits

  • NBP solar financing amount limit is from 400,000 to 5,000,000
  • Only Pakistani nationals can avail of this financing facility
  • The tenure of solar financing is up to 7 years
  • The benchmark of markup rates is 1 year’s KIBOR + 2%
  • No grace period is available under NBP Roshan Ghar
  • NBP offers relatively affordable markup rates compared to other banks, making the scheme accessible to a wider audience.
  • The maximum finance amount is 80% of the solar invoice, and the 20% is equity
  • The processing fee will be 2% of the loan amount
  • Early settlement is allowed without any penalty charges
  • In case of late payment, penalty charges will be applied as per the bank’s prevailing schedule of charges
  • AEDB (Alternate Energy Development Board) will approve solar vendors
  • NBP Roshan Ghar solar finance is only for residential, not for commercial
  • Solar systems can reduce your electricity bill by up to 70% or more.
  • Protection from Load Shedding
  • Net Metering Compatibility
  • Environment-Friendly Solution
  • Increased Property Value
  • Solar energy reduces carbon emissions and supports clean energy goals.

Documents Required For NBP Roshan Ghar Scheme

  • For Salaried Applicant
  • Filled out the loan application form with the undertaking form.
  • Product Disclosure Sheet (signed copy).
  • Valid CNIC (original + attested copy) of applicant and co-applicant (if any).
  • 3 recent passport-size photos of the applicant and the co-applicant.
  • Valid CNIC of two references (original + attested copy).
  • Last 3 months’ salary slips (attested).
  • Last 3 months’ bank statement (attested).
  • Employer’s undertaking letter (if required).
  • Service/Employee card (copy).
  • Property ownership papers (if a mortgage is required).
  • Last 3 months’ paid utility bills (copy).
  • Direct Debit Authority (DDA) (signed original).
  • Proof of employment and job duration
  • Appointment/Employment Letter
  • Employment Certificate
  • Any valid document from the employer
  • Income proof showing salary details and deductions
  • Last 3 months’ salary slips
  • Salary certificate
  • For Businessman / Self-Employed
  • Filled out the loan application form with the undertaking form.
  • Product Disclosure Sheet (signed copy).
  • Valid CNIC (original + attested copy) of the applicant and the co-applicant.
  • 3 recent passport-size photos of the applicant and the co-applicant.
  • Valid CNIC of references (original + attested copy).
  • Direct Debit Authority (DDA) (if required).
  • Last 3 months’ paid utility bills (copy).
  • Property ownership papers (if a mortgage is required).
  • Proof of Business (showing ownership and duration)
  • Proprietorship certificate from the bank (for sole proprietor)
  • Partnership deed (for partnership firms)
  • Tax returns & NTN certificate
  • Professional degree, license, or membership (if applicable)
  • Any other valid business document from the relevant authority
  • Income proof
  • Account maintenance letter
  • Last 6 months’ bank statement (with bank stamp)
  • Additional Documents For Both Salaried & Businessmen
  • Proof of property ownership for the area where solar will be installed.
  • Undertaking not to sell the property until the loan is cleared.
  • Solar system quotation from the vendor.
  • NOC from the electricity company for net metering (if required).
  • 12 blank signed cheques in favour of NBP.
  • Permission from the relevant authority/society (if required).
  • Gold valuation certificate (if gold is kept as security).
  • Any other documents the bank may request

How to apply for NBP Roshan Ghar Financing Scheme – Step by Step

  • Step 1: Application Submission
    • Visit your nearest NBP branch and submit your application with the required documents.
  • Step 2: Credit Evaluation
    • The bank reviews your financial profile, income stability, and repayment capacity.
  • Step 3: Vendor Selection
    • You must choose a solar system from NBP-approved vendors.
  • Step 4: Loan Approval
    • Once approved, the bank issues financing for your solar system.
  • Step 5: Installation
    • The vendor installs the solar system at your home.
  • Step 6: Monthly Repayment
    • You repay the loan in fixed monthly instalments.

Tips Before Applying For NBP Solar Financing Scheme

  • Analyse your electricity usage carefully
  • Check system warranties (panel, inverter, battery)
  • Compare multiple vendor quotations
  • Confirm net metering eligibility
  • Choose high-quality equipment for long-term performance
  • Loan approval may take time depending on documentation and verification. keep in mind.
  • You must select vendors approved by NBP.
  • Some customers may need to pay a portion upfront.

NBP Solar financing calculator

The NBP Solar Financing Calculator is a useful online tool provided by the National Bank of Pakistan to help customers estimate the cost and monthly instalment of installing a solar energy system through the bank’s financing scheme. By entering details such as the loan amount, repayment period, and markup rate, users can instantly calculate their expected monthly payments. This calculator enables homeowners and businesses to plan their solar investment more efficiently, ensuring affordability and transparency. With NBP’s solar financing options, switching to clean energy becomes easier and financially manageable for individuals across Pakistan.

Conclusion

NBP Roshan Ghar Solar Finance offers a practical solution for households looking to transition to renewable energy without the burden of the full upfront cost. By providing easy instalments, lower markup rates, and flexible repayment options, the National Bank of Pakistan has expanded access to solar energy for families across the country. This initiative not only helps in reducing electricity bills but also supports a greener and more sustainable future. With reliable financing and customer-friendly terms, NBP ensures that more people can enjoy the benefits of clean energy. It is a step towards energy independence and a brighter tomorrow for Pakistan.

If you want to apply, visit the nearest branch of the National Bank of Pakistan.

Frequently Asked Questions About NBP Roshan Ghar
What is NBP Roshan Ghar Solar Financing?

NBP Roshan Ghar is a solar financing scheme offered by the National Bank of Pakistan to help households install solar power systems at affordable monthly instalments.

How do I apply for the NBP Roshan Ghar Solar Scheme?

Applicants can initiate the process online through the NBP official website by completing the Roshan Ghar financing form. After submission, the bank contacts the applicant to verify details and guide them about the next steps, such as document submission and vendor selection.

What is the interest rate for NBP Roshan Ghar Solar Financing?

The interest rate is based on the terms defined by the National Bank of Pakistan under the State Bank’s renewable energy financing policy. Rates are kept competitive to make solar affordable, and they may vary depending on loan tenure and system size.

NBP Roshan Ghar Apply Online – How to Do It?

Applicants can initiate the process online through the NBP official website by completing the Roshan Ghar financing form. After submission, the bank contacts the applicant to verify details and guide them about the next steps, such as document submission and vendor selection.

What documents are required for NBP Roshan Ghar Solar Financing?

To apply for NBP Roshan Ghar Solar Financing, applicants typically need to provide:

> A valid CNIC (Computerised National Identity Card)
> Proof of income or salary slips/business documents, Latest utility bills (electricity, gas, or telephone)
> Property ownership documents or rental agreement (if applicable)
> Two recent passport-sized photographs
> Completed application form provided by the bank

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