HBL SBP Renewable Energy Solar Scheme Guide 2026
Official borrower guidelines for the State Bank of Pakistan (SBP) Refinance Scheme for Renewable Energy facilitated by Habib Bank Limited.
HBL SBP Solar Loan Guidelines & Concessional Rates
Calculate your subsidized installment under the SBP scheme:
☀️
Concessional Rate ~8.5% p.a.Solar PV Financing & Payback Calculator
SBP Renewable Energy Refinance Scheme Category II10 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
HBL SBP Category II Solar Financing & Net Metering Rules
Overview of SBP Renewable Energy Refinancing Categories available at HBL:
| Category | Target Segment | Capacity Limit | Refinance Rate | Max Tenure |
|---|---|---|---|---|
| Category I | Large Utility Scale IPPs | Up to 50 MW | 6.00% p.a. | 12 Years (incl 2 Yrs Grace) |
| Category II (Consumer & SME) | Homes, Businesses, Commercial Plazas | Up to 1 MW (1,000 kW) | ~6.00% to 8.50% p.a. | 5 Years (60 Months) |
| Category III | Renewable Vendors & Suppliers | Working Capital / Inventory | 6.00% p.a. | 10 Years |
Frequently Asked Questions (PAA Answers)
What is SBP Category II Solar Financing with HBL?
Category II is designed for residential, commercial, and small industrial solar projects up to 1 MW capacity, offering subsidized rates (~6.00% to 8.50% p.a.) with up to 5-year repayment tenures.
Do I need an AEDB-approved solar installer for an HBL loan?
Yes, to qualify for concessional SBP solar financing at HBL, your solar vendor must be certified by the Alternative Energy Development Board (AEDB) under Category C-3 or higher.