NBP Loan Scheme 2025 for Roshan Ghar Solar Finance – Download Application Form
The National Bank of Pakistan (NBP) has introduced the Roshan Ghar Solar Finance Scheme for 2025. This program helps people install solar systems in their homes at affordable rates. It is designed to cut down electricity costs, promote renewable energy, and give easy financing options to salaried individuals, business owners, and government employees. Check Mera Ghar Mera Ashiana Loan Scheme 2025 by SBP State Bank of Pakistan.
NBP Loan Scheme 2025 for Roshan Ghar Solar Finance
- Nature of Finance: Term Loan
- Financing Limit: Rs. 400,000 to Rs. 5,000,000 (Govt employees max Rs. 3,000,000)
- Loan Tenor: Up to 7 years
- Markup Rate: 1-Year KIBOR + 2% (floating)
- Fixed Rate Offer: 12.49% for first 2 years (limited time)
- Debt Burden Ratio (DBR): Up to 50%
- Loan to Value (LTV): Up to 80% of solar equipment value
- Repayment: Monthly installments through direct debit from NBP account
- Processing Fee: 2% of loan amount or maximum Rs. 20,000
- Early Settlement: Allowed without penalty
- Late Payment: Penalty as per Schedule of Charges
Eligibility Criteria for NBP Loan Scheme 2025 Roshan Ghar Solar Finance
- Must be a Pakistani resident national with a valid CNIC
- Must have a clean e-CIB report and meet income, DBR, and collateral requirements
- Salaried Class:
- Age: 22 to 60 years
- Service Length: At least 1 year with current employer, 3 years continuous employment
- Minimum Net Salary: Rs. 25,000 (Govt/Autonomous), Rs. 35,000 (Private Sector)
- Self-Employed / Business Persons (SEB/SEP):
- Age: 22 to 65 years
- Business Experience: At least 3 years
- Minimum Net Income: Rs. 70,000
- Co-Applicants: Allowed (spouse, parents, adult male children). Brothers and sisters are not allowed.
Collateral Requirements
- Mortgage of property (equitable mortgage allowed)
- Lien on NBP deposits / TDRs
- Pledge of gold ornaments, DSCs, SSCs
- For Govt Employees: No mortgage required. Instead, letter of hypothecation, personal guarantee, and employer undertaking are accepted.
Loan Schedule & Repayment
- Financing up to 80% of equipment cost, customer contributes 20% equity.
- Loan tenor is up to 84 months (7 years).
- Monthly installments are deducted directly from the applicant’s NBP account.
- For government employees, deductions are made directly from the salary account.
Documentation Requirements
Salaried Applicants
- Loan Application Form (LAF) with Undertaking
- Product Disclosure Sheet
- Attested CNIC of applicant and co-applicant
- 3 passport size photos
- 3 months’ salary slips
- 3 months’ bank statements
- Employer undertaking (if required)
- Service card and proof of employment
- Title document of property to be mortgaged (if applicable)
- Last 3 months’ utility bills
- Direct Debit Authority
- Undertaking not to sell property till loan adjustment
- Quotation of solar system
- NOC from electric distribution company (for net metering)
- 12 blank undated cross cheques
Self-Employed / Business Persons
- Loan Application Form (LAF) with Undertaking
- Product Disclosure Sheet
- Valid CNIC of applicant and co-applicant
- 3 passport size photos
- Last 3 months’ paid utility bills
- Title document of property (if applicable)
- Proof of business (ownership, partnership deed, tax returns, NTN, professional license)
- Last 6 months’ bank statement with branch stamp
- Undertaking not to sell property till loan adjustment
- Quotation of solar system
- NOC from electric distribution company (if applicable)
- 12 blank undated cross cheques
Insurance
- First year insurance premium to be paid in advance.
- Post-dated cheques required for next years’ premiums.
Solar Vendors
- Equipment must be purchased from AEDB-approved vendors or other listed vendors acceptable to NBP.
How to Apply for NBP Roshan Ghar Solar Finance 2025
Applying for the NBP Roshan Ghar Solar Finance is a simple process. Follow these steps to complete your application.
- Visit Your Nearest NBP Branch
Go to any National Bank of Pakistan branch in your city or district. All NBP branches are authorized to process solar finance applications. The official link is https://www.nbp.com.pk/RoshanGharSolarFinance/Index.aspx. - Get the Loan Application Form (LAF)
Collect the Loan Application Form along with the Product Disclosure Sheet from the bank officer. - Prepare the Required Documents
- For salaried applicants: CNIC, salary slips, bank statements, employer undertaking, utility bills, property documents.
- For business/self-employed applicants: CNIC, NTN, tax returns, proof of business, bank statements, utility bills, property documents.
- Additional documents: Solar system quotation, NOC for net metering (if required), and 12 blank cheques.
- Submit the Application
Fill out the Loan Application Form and attach all the required documents. Submit the file at your NBP branch. - Verification and Assessment
- The bank will check your credit history, income, and Debt Burden Ratio (DBR).
- Property documents will be verified by the bank’s legal advisor.
- If needed, NBP may ask for more documents.
- Approval and Offer Letter
Once your application is cleared, NBP will issue an approval letter stating loan amount, markup rate, and terms of repayment. - Disbursement of Loan
Loan amount is disbursed in two tranches directly to the approved solar vendor after documentation and agreement signing. - Install Solar System
After disbursement, you can proceed with installation through the selected AEDB-approved vendor.
FAQs
1. Who can apply for NBP Roshan Ghar Solar Finance?
Resident Pakistanis with valid CNIC, good credit history, and sufficient income can apply.
2. Can overseas Pakistanis apply?
No, only resident Pakistanis with local income are eligible.
3. What is the financing limit?
Rs. 400,000 to Rs. 5,000,000 (Govt employees up to Rs. 3,000,000).
4. Can I apply with a co-applicant?
Yes, co-applicants can be spouse, parents, or adult male children.
5. What is the maximum tenure?
Up to 7 years (84 months).
6. What is the mode of repayment?
Installments are directly deducted from the NBP account.
7. Is early settlement allowed?
Yes, without penalty.
8. What if I miss an installment?
Late payment penalty applies, payable at the end of financing tenure.
9. Can I finance solar panels on an apartment roof?
Yes, if NOC is provided by the builder or management.
10. Is mortgage of property mandatory?
Yes, unless you are a government employee, where alternative guarantees are accepted.
Final Words
The NBP Roshan Ghar Solar Finance Scheme 2025 is a strong opportunity for households to switch to renewable energy with easy monthly payments. With flexible financing, low markup, and simple requirements, this program makes solar energy accessible for both salaried and business individuals across Pakistan.
