Financing Architectures.
Tailored credit lines for residential villas and industrial complexes.
Rooftop Loans
- ✓ Up to 5-year tenure with minimal EMI
- ✓ No collateral required for loans up to ₹10 Lakhs
- ✓ Integrated with PM Surya Ghar portal
- ✓ 48-hour approval cycle via Varka Concierge
Enterprise Credit
- ✓ Accelerated 40% depreciation tax benefits
- ✓ SIDBI funding at preferential industry rates
- ✓ Structured as OPEX or low-cost CAPEX debt
- ✓ Balance sheet optimization via energy savings
Pay from
Savings.
Our engineering team performs a Fiscal Audit of your property. We ensure your solar generation yield is high enough to cover your EMI payments, effectively making the system free from Day 1.
Ready for Audit?
Our financial consultants will prepare a 25-year ROI dossier including EMI schedules and tax benefits.
Questions, Answered.
Straight answers from our engineers - no jargon, no sales speak.
What solar loan interest rates are available in India? +
SBI Green Energy Loan: 7.9% p.a., Bank of Baroda Solar Loan: 8.5% p.a., NABARD refinance schemes: 8-9% p.a. Varka helps with documentation and pre-approval.
Can I get solar installed with zero upfront cost? +
Yes. Varka offers RESCO and Lease models where you pay zero upfront and only a fixed monthly charge, guaranteed lower than your current bill.
What is the typical EMI for a 5kW solar system? +
A 5kW system costs approximately Rs.2.5-3 lakh after subsidy. At 9% for 5 years, the EMI is Rs.5,500-6,500 per month, which is typically less than your current electricity bill savings of Rs.4,000-6,000/month.
What documents do I need for solar financing? +
Usually: identity and address proof, property ownership papers, your latest 6-12 months of electricity bills, and bank statements. Varka's finance desk prepares the complete file so you only sign.
How fast can loan approval happen? +
With our banking partners, pre-approval typically lands in 3-7 working days from a complete file - and we can start the engineering work in parallel so no time is wasted.
Is financing available for commercial rooftop projects too? +
Yes - factories and offices can access equipment financing and lease/RESCO structures, often sweetened by 40% accelerated depreciation; we model the optimum structure for your balance sheet.
What happens if I want to prepay the solar loan? +
Most partner banks allow prepayment with minimal or no charges after the first year; solar projects also resell with the property, so prepayment is rarely a concern - but we cover the specifics per bank during the proposal.
Homeowners who made the smart switch.
Real installations, real bills, real savings - verified across Delhi NCR.
“Varka delivered our 12kW Gurgaon plant in 21 days, including all DISCOM paperwork. Generation has matched the 3D simulation at 99.2%.”
“The 45kW rooftop on our factory has cut our grid bill by 78%. Their team handled accelerated depreciation documentation too.”
“Clean installation, professional engineers. Net metering took a bit longer than promised but support stayed with us throughout.”