HBL Solar Payback Period Calculator
Calculate the exact break-even timeline and 25-year cumulative electricity savings from installing on-grid solar panels with HBL concessional financing.
HBL Solar ROI & Break Even Calculator
Customize your system size and financing terms to see your break-even year:
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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
25-Year Cumulative Solar Financial ROI Breakdown on HBL Loan
Financial cash flow model for a 10 kW system (PKR 1.4M cost) financed via 5-year HBL Solar Loan:
| Timeline Milestone | Annual Bill Savings | Annual HBL Loan Cost | Net Cumulative Cashflow |
|---|---|---|---|
| Year 1 | +PKR 900,000 | -PKR 276,000 | +PKR 624,000 (Positive Year 1) |
| Year 3 (Break-Even Reached) | +PKR 900,000 | -PKR 276,000 | +PKR 1,872,000 (Full Payback) |
| Year 5 (Loan Paid Off) | +PKR 900,000 | PKR 0 (Fully Paid) | +PKR 3,120,000 |
| Year 25 (End of Panel Life) | +PKR 18,000,000+ | PKR 0 | +PKR 21,120,000 (Net Profit) |
Frequently Asked Questions (PAA Answers)
What is the payback period of a 10 kW solar system financed with HBL?
At current average DISCO electricity rates (PKR 60/unit), a 10 kW system paying ~PKR 23,000/month on a 5-year HBL loan saves ~PKR 75,000/month, resulting in a net cash-positive balance immediately and full system payback within 2.5 to 3 years.