5 kW Solar EMI — Monthly Kitna Banega aur Bill se Kitna Adjust Hoga
5 kW par financed amount lagbhag ₹1,97,000. Alag-alag tenure par EMI kaisi banti hai, aur woh aapki bijli bachat ke saamne kahan baithti hai.
Seedha jawab
5 kW par aam taur par ₹1,97,000 finance hota hai — yaani ₹3,05,000 gross minus ₹1,08,000 ka expected support. 9% illustrative rate par 5 saal ki EMI lagbhag ₹4,089 per month baithti hai, jabki isi system se bijli bill mein lagbhag ₹5,400 tak ki kami expected hai.
5 kW ka EMI aur bill ka comparison
5 kW par financed amount itna hota hai ki EMI aur bijli bachat ka comparison sach mein meaningful ban jaata hai. Paanch saal ki tenure par EMI aksar monthly bachat ke aas-paas baithti hai — lekin yeh tabhi sach hai jab aapka bill utna hai. Hum yeh comparison illustrative rate par dikhate hain, kyunki rate lender tay karta hai, hum nahi.
| Tenure | Monthly EMI | Kul repayment |
|---|---|---|
| 3 saal (36 mahine) | ₹6,265 | ₹2,25,540 |
| 5 saal (60 mahine) | ₹4,089 | ₹2,45,340 |
| 7 saal (84 mahine) | ₹3,170 | ₹2,66,280 |
Finance kis amount par hota hai
Yahan ek practical baat hai jo aksar chhoot jaati hai: subsidy commissioning ke baad DBT se aati hai, loan uske pehle sanction hota hai. Isliye kuch lenders poore ₹3,05,000 par loan dete hain aur subsidy aane par aap prepay karte hain, jabki kuch ₹1,97,000 par hi sanction karte hain. Dono mein aapka total outgo alag banta hai — sanction letter par yeh clearly padhiye.
EMI aur bijli bachat ka comparison
5 kW se lagbhag 750 units per month expected hain — value mein roughly ₹5,400. 5 saal ki EMI ₹4,089 ke saamne yeh bachat EMI se zyada ya barabar cover karti hai. Lambi tenure EMI ko chhota karti hai lekin total interest badha deti hai — 7 saal mein aap 5 saal ke muqable kaafi zyada interest dete hain.
Savings ka figure tabhi poora milta hai jab aapka current bill itna ya usse zyada ho — solar utni hi bijli ki bachat karta hai jitni aap actually use karte hain, aur CSPDCL ke fixed charges solar ke baad bhi bill par aate rehte hain.
Lender kya dekhta hai
- Credit score aur existing EMI load
- Income proof aur uski stability
- Roof ownership ya society NOC
- Vendor ka quotation aur uski proforma invoice
- Kuch schemes mein collateral-free limit — lekin yeh lender-specific hai
Das modules — layout aur string planning
Das modules aam taur par do strings mein baante jaate hain, khaas kar agar chhat do directions mein ho. Is size par string voltage aur inverter ka window match karna zaroori hai — galat string length par inverter subah der se chalu hota hai aur shaam jaldi band, aur mahine ke total mein yeh dikhta hai. Design drawing par string ka layout likha hona chahiye.
Aksar poochhe jaane waale sawaal
- Zero down payment milta hai kya?
- Hum iski guarantee nahi dete. Margin money ka percentage lender decide karta hai aur woh profile ke hisaab se badalta hai. Jo bhi actual option aapke case mein available hoga, wahi batayenge.
- Subsidy aane par loan prepay kar sakte hain?
- Aam taur par haan, lekin prepayment charges aur lock-in har lender ke alag hote hain. Sanction letter mein yeh clause specifically padh lijiye — yahi woh jagah hai jahan log baad mein surprise face karte hain.
- EMI start kab hoti hai — order par ya commissioning par?
- Zyadatar cases mein disbursement vendor ko milte hi EMI shuru ho jaati hai, chahe net meter baad mein lage. Timeline realistic rakhiye taaki ek-do mahine EMI aur purana bill dono na dena pade.
- 5 kW ka price confirmed kyun hai aur baaki ka nahi?
- 5 kW hamara business-confirmed reference configuration hai. Baaki capacities uske per-kW rate se nikali gayi hain, isliye unhe hum indicative kehte hain — final figure survey ke baad quotation mein aata hai.
- 5 kW par single-phase chalega ya three-phase chahiye?
- 5 kW tak aam taur par single-phase chal jaata hai. Yeh aapke existing connection aur CSPDCL ki sanction par depend karta hai — survey mein hum aapka bill dekh kar confirm karte hain.
Sources
Related guides
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