HBL Solar Loan Calculator
Calculate subsidized monthly installments under HBL Solar Financing and the State Bank of Pakistan Renewable Energy Scheme (~8.50% p.a.). Model monthly generation, electricity bill savings, and net metering surplus.
HBL Solar Financing Calculator & Electricity Savings
Select your system size (kW) to see monthly HBL installment versus electricity bill savings:
Solar PV Financing & Payback Calculator
SBP Renewable Energy Refinance Scheme Category IIHBL Solar ROI & Electricity Bill Savings (5kW to 20kW Matrix)
Estimated monthly generation and savings based on average Pakistani grid tariff of PKR 60 per unit:
| System Size | Estimated Cost (PKR) | Monthly Generation | Monthly Bill Saved | HBL Loan EMI (5 Yrs) | Net Monthly Surplus |
|---|---|---|---|---|---|
| 5 kW On-Grid | PKR 750,000 | ~600 Units | PKR 36,000 | PKR 12,300 | +PKR 23,700 / mo |
| 10 kW On-Grid (Most Popular) | PKR 1,400,000 | ~1,250 Units | PKR 75,000 | PKR 23,000 | +PKR 52,000 / mo |
| 15 kW On-Grid | PKR 2,000,000 | ~1,850 Units | PKR 111,000 | PKR 32,800 | +PKR 78,200 / mo |
| 20 kW Commercial / Large House | PKR 2,650,000 | ~2,500 Units | PKR 150,000 | PKR 43,500 | +PKR 106,500 / mo |
HBL Solar Payback Period & 25-Year ROI Calculator
See how a 5-year HBL solar loan pays for itself in 3 years, generating over PKR 18 Million in free power over 25 years.
📜HBL SBP Renewable Energy Solar Scheme Rules
Official guidelines for HBL SBP Category I, II, and III solar schemes, net metering permits, and AEDB-certified installers.
Frequently Asked Questions (PAA Answers)
What is the interest rate on HBL Solar Financing?
Under the SBP Renewable Energy Refinancing Scheme (Category II), HBL offers concessional rates of approximately 6.00% to 8.50% per year for residential and commercial solar installations.
How long is the payback period for a residential solar system with HBL financing?
With electricity tariffs at PKR 55 to PKR 65 per unit, a typical 5kW to 10kW on-grid solar system financed through HBL pays for itself in just 2.5 to 3.5 years through net metering savings.
Does the HBL solar loan installment get covered by power bill savings?
Yes! In most cases, your monthly savings on electricity bills exceed the bank's monthly loan installment from Month 1, giving you an immediate net monthly cash surplus.