Financing & Investment Models
Flexible commercial structures to fit your cash flow
Whether you want maximum 25-year ROI through direct ownership or zero upfront investment via BOOT/OPEX, we have a structure designed for you.
Model 1
CAPEX (Outright Purchase)
You purchase and own 100% of the solar asset from Day 1.
- Lowest 25-year lifecycle cost per kWh generated
- Eligible for PM Surya Ghar subsidy (Homes)
- 40% Accelerated Depreciation tax write-off (Commercial)
Most Popular
Model 2
Solar Loan / EMI
Low down payment with monthly EMI payments offset by electricity savings.
- 7% - 9% collateral-free solar loans from partner banks
- Tenures from 3 to 7 years to align with payback
- Monthly bill reduction usually covers the monthly EMI
Model 3
OPEX / BOOT / PPA
Zero capital expenditure. Pay only for energy generated under contract.
- Zero upfront investment required
- Contractual solar tariff discount (e.g. ₹4.50 vs ₹9 grid)
- Sanarka manages all operations, maintenance & insurance
Investment Models
CAPEX vs Loan/EMI vs OPEX/BOOT
Choose the financial structure that aligns with your capital availability.
Interactive Loan & EMI Simulator (Sample 5 kWp System)
Loan Tenure (Years)5 Years
Interest Rate (% p.a.)8.5%
Simulated Monthly EMI₹5,745 / mo
Model 1
Calculate CAPEX ROI CAPEX (Ownership)
Upfront investment with lowest 25-year levelized cost of energy.
- 100% Asset ownership Day 1
- PM Surya Ghar subsidy eligible
- 40% Accelerated Depreciation
Recommended
See My EMI Solar Loan / EMI
Low down payment with monthly payments covered by bill savings.
- Collateral-free solar bank loans
- Flexible 3 to 7 year tenures
- Monthly savings exceed EMI
Model 3
Check OPEX Eligibility OPEX / BOOT
Zero capital investment. Pay only for energy generated.
- Zero upfront CAPEX required
- Contractual tariff discount vs grid
- Full O&M & insurance included