6 kW Solar EMI — Monthly Kitna Banega aur Bill se Kitna Adjust Hoga
6 kW par financed amount lagbhag ₹2,58,000. Alag-alag tenure par EMI kaisi banti hai, aur woh aapki bijli bachat ke saamne kahan baithti hai.
Seedha jawab
6 kW par aam taur par ₹2,58,000 finance hota hai — yaani ₹3,66,000 gross minus ₹1,08,000 ka expected support. 9% illustrative rate par 5 saal ki EMI lagbhag ₹5,356 per month baithti hai, jabki isi system se bijli bill mein lagbhag ₹6,480 tak ki kami expected hai.
6 kW ka loan structure
6 kW par principal itna ho jaata hai ki tenure ka chunav seedha aapke monthly cash flow se juda hota hai. Saat saal ki tenure EMI ko aaram se chhota kar deti hai, lekin total interest kaafi badhata hai. Is size par hum quotation ke saath teen tenure ka comparison dete hain, aur saath mein yeh bhi likhte hain ki rate hamara assert kiya hua nahi hai.
| Tenure | Monthly EMI | Kul repayment |
|---|---|---|
| 3 saal (36 mahine) | ₹8,204 | ₹2,95,344 |
| 5 saal (60 mahine) | ₹5,356 | ₹3,21,360 |
| 7 saal (84 mahine) | ₹4,151 | ₹3,48,684 |
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 ₹3,66,000 par loan dete hain aur subsidy aane par aap prepay karte hain, jabki kuch ₹2,58,000 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
6 kW se lagbhag 900 units per month expected hain — value mein roughly ₹6,480. 5 saal ki EMI ₹5,356 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
Barah modules, do strings
Barah modules aam taur par do strings mein jaate hain, do MPPT par. Is size par agar chhat par kahin bhi partial shadow hai, to string grouping se woh nuksan kaafi kam kiya ja sakta hai — shaded panels ko ek string mein rakh kar baaki array ko bachaya jaata hai. Yeh design ki cheez hai, aur uska plan drawing mein dikhna 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.
- 6 kW ke liye three-phase zaroori hai?
- Aam taur par haan. 5 kW se upar CSPDCL three-phase sanction maangta hai. Agar aapka ghar single-phase par hai, to conversion ki application project ka hissa ban jaati hai.
- 6 kW par subsidy 5 kW se zyada milegi?
- Nahi. Support 3 kW ke slab par cap ho chuka hota hai — 5 kW aur 6 kW dono par wahi amount milta hai.
Sources
Related guides
Generation & savings
6 kW Solar Kitni Units Banata Hai? — Durg-Bhilai ka Realistic Output
Technical
6 kW Solar ke liye Kitni Chhat Chahiye? — Area, Layout aur Shadow
Equipment
6 kW Solar ke liye Kitne Panels? — Module Selection Guide
Financing
5 kW Solar EMI — Monthly Kitna Banega aur Bill se Kitna Adjust Hoga
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