NBP Solar Financing Calculator 2026: Roshan Ghar EMI & Rate
Calculate NBP Roshan Ghar Solar Finance EMI. 1-Year KIBOR + 2 percent (about 14.09 percent), Rs 400,000 to Rs 5 million, up to 7 years, and the lowest income bar of any Pakistani bank at Rs 25,000 for government employees.
About the NBP Solar Financing Calculator 2026: Roshan Ghar EMI & Rate
Free NBP solar financing calculator for Pakistan, built on NBP's own published terms for Roshan Ghar Solar Finance. NBP prices this as a formula rather than a vague band: 1-Year KIBOR plus 2 percent, floating and reset annually, which works out to about 14.09 percent at the 1-Year KIBOR offer of 12.09 percent read on 17 August 2026. That makes Roshan Ghar one of the cheapest published solar rates in the country. Financing runs from a minimum of Rs 400,000 up to Rs 5 million, over 12 to 84 months, with a 20 percent down payment. Its real distinction is accessibility: the minimum income is Rs 25,000 a month for government and autonomous-body employees, Rs 35,000 for private employees and Rs 70,000 for the self-employed, which is the lowest bar of any bank covered here, and the debt-burden allowance is 50 percent against the usual 40. The trade-offs are a Rs 3 million cap for government employees against Rs 5 million for private and business applicants, a documentation-heavy application, and processing that runs 3 to 6 weeks. This page also models the SBP Financing Scheme for Renewable Energy at 6 percent, but that is an SME and business facility rather than a household route.
NBP Roshan Ghar Solar Finance Calculator
Rates are as published by NBP and benchmarked to KIBOR read on 17 August 2026. Your own figure comes on the offer letter.
NBP publishes this as a formula rather than a band: 1-Year KIBOR plus 2 percent, floating and reset annually. At the 1-Year KIBOR offer of 12.09 percent that is 14.09 percent, which makes Roshan Ghar one of the cheapest published solar rates in Pakistan. Your instalment changes each time KIBOR resets.
A Pakistani household on a Rs 25,000 to 40,000 monthly bill usually lands on 5 kW.
On-grid without batteries runs roughly Rs 110,000 to 200,000 per kW installed.
NBP requires a minimum of 20 percent.
Replace this with the rate printed on your own offer letter.
Roshan Ghar (standard) allows up to 7 years.
Used only to compare the instalment against what you already pay.
Your instalment is Rs 32,876 less than the Rs 45,000 bill you pay now, so the financing is self-funding from month one and you end up owning the system.
NBP has the lowest income bar of any bank on this site at Rs 25,000 for government and autonomous-body employees, and the widest debt-burden headroom at 50 percent, but government employees are capped at Rs 3 million against Rs 5 million for private and business applicants, and the minimum loan is Rs 400,000 so very small systems do not qualify. Minimum income for this product is Rs 25,000 a month. Confirm every figure against NBP's own Roshan Ghar FAQ before you sign anything.
Compare this against every other Pakistani bankHow to use the NBP Solar Financing Calculator 2026: Roshan Ghar EMI & Rate
- Pick your track. Roshan Ghar (standard) is the household product at 1-Year KIBOR plus 2 percent. The SBP scheme track at 6 percent is shown for completeness but is an SME facility, not a retail one.
- Set the system size in kW. A Pakistani household on a Rs 25,000 to 40,000 monthly bill usually lands on 5 kW.
- Set the installed cost per kW. On-grid without batteries runs roughly Rs 110,000 to 200,000 per kW.
- Set the down payment. NBP requires a minimum of 20 percent.
- Set the markup. The default is 1-Year KIBOR plus 2 percent; replace it with the figure on your own offer letter, and remember it resets annually.
- Set the tenure, up to 7 years. Longer tenure lowers the instalment and raises total markup.
- Enter your current monthly bill to see whether the instalment is self-funding.
- Check the cap warning. Government employees are limited to Rs 3 million even though the product ceiling is Rs 5 million.
Frequently Asked Questions
Sources
Rates, slabs and formulas used in this calculator are cross-checked against the following official sources. Always verify the latest number on the original page before making a financial decision.
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