As solar energy gains traction across India, more homeowners and businesses are exploring ways to make the switch. One key question often arises:
Should I pay the full amount for my solar system upfront, or opt for an EMI plan?
The answer depends on your financial goals and flexibility. At Dadhichi Solar, we offer both options with complete transparency. Let’s break down the solar cost comparison and see which path truly saves you more.
Option 1: Full Payment – Pay Once, Save Forever
When you choose to pay the entire cost upfront, you:
- Avoid any interest on financing.
- Begin saving on electricity bills from Day 1.
- Receive your government subsidy (up to ₹78,000) directly in your account.
- Enjoy higher long-term ROI because there are no monthly liabilities.
Example:
A 3kW system costs ₹1.65 lakh (approx.)
After subsidy: ₹87,000 (net cost)
✅ No EMI
✅ No interest
✅ Break-even in 3–4 years
✅ 20+ years of pure savings
This is ideal for those who have ready capital and are looking for the highest return on investment.
Option 2: Solar EMI – Easy on Pocket, Instant Setup
Not everyone can shell out a lump sum amount. That’s why Dadhichi Solar has partnered with SBI & Bank of India to provide affordable solar EMI options. With zero downpayment, you can:
- Install solar today.
- Pay monthly EMIs ranging from ₹1,500 to ₹3,500 depending on the system size.
- Start saving from the very first month.
Example:
Same 3kW system, ₹1.65 lakh
Loan tenure: 5 years
Monthly EMI: ₹2,500 approx.
Electricity bill savings: ₹3,000/month
Net gain: ₹500/month even while paying EMI!
Once the loan is repaid, you enjoy full monthly savings of ₹3,000 for the next 20 years.
This plan is perfect for middle-income families or businesses who want to adopt solar without burdening their savings.
Solar EMI vs Full Payment – Quick Comparison
| Criteria | Full Payment | EMI Option |
|---|---|---|
| Initial Cost | High | ₹0 Downpayment |
| ROI | Higher | Moderate (after interest) |
| Monthly Outflow | None | EMI till loan ends |
| Savings Start | Immediate | Immediate (but partial till loan ends) |
| Ideal For | Investors, homeowners with funds | Salaried users, shop owners, SMEs |
So, Which Saves You More?
In pure numbers, full payment saves you more in the long run due to zero interest and faster breakeven. However, solar EMI helps you start saving without upfront capital, and still yields excellent benefits over 25 years.
The smart move?
If you can afford full payment, go for it. If not, don’t wait—solar EMI is still better than continuing to pay rising electricity bills every month.
Conclusion: Don’t Delay Solar, Choose What Fits You
Both options are great. What matters is starting your solar journey now. With Dadhichi Solar, you’re guaranteed top-quality installation, fast EMI processing, and ongoing support—whichever plan you choose.
