1Y KIBOR: 12.16% | SBP Policy: 11.5% | Effective:
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HBL Solar Financing Calculator

Calculate subsidized monthly installments under HBL Solar Financing and the SBP Renewable Energy Refinance Facility (~8.50% p.a.). Compare monthly grid savings against loan payments.

Solar System Finance Calculator

Select your kW capacity to calculate monthly installments and power bill savings:

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Solar PV Financing & Payback Calculator

SBP Renewable Energy Refinance Scheme Category II
Concessional Rate ~8.5% p.a.
10 kW
3 kW (Small Home)10 kW (Medium)25 kW (Commercial / Villa)
PKR 1,600,000
PKR 65,000
Estimated Payback Period2.1 Years
Monthly Loan Installment:
PKR 26,261
Estimated Monthly Bill Savings:PKR 65,000
Net Monthly Cashflow:+PKR 38,739 / mo
Annual Power Savings:PKR 780,000 / yr
25-Year Lifetime Savings:PKR 17,900,000

Solar Loan Monthly EMI vs Electricity Bill Savings

A 10 kW solar system costs around PKR 1,400,000 and generates ~1,250 units of electricity per month. At PKR 60/unit, your monthly power bill drops by PKR 75,000, while your 5-year bank loan installment is only PKR 23,000 per month (giving you an immediate net savings of PKR 52,000 every single month).

Frequently Asked Questions (PAA Answers)

What is HBL Solar Financing markup rate?

Under the SBP Renewable Energy Refinancing Scheme, HBL offers concessional financing at approximately 6.00% to 8.50% per year for residential and commercial solar installations.

What size solar system can I finance?

You can finance on-grid and hybrid solar installations from 3kW up to 50kW for homes and up to 1MW for commercial businesses.