Roshan Gharana Solar Loan Scheme 2025 – Eligibility, Tubewell & Bank Financing in Pakistan
Pakistan is facing one of the toughest energy crises in South Asia. High electricity bills, constant load-shedding, and rising fuel prices have left households and businesses struggling. To address this, the government and private partners have launched various solar financing programs. Among them, the Roshan Gharana Solar Loan Scheme from Agahe Pakistan is a game-changer.
This scheme is designed to make solar systems with installment payments accessible to families and farmers across Punjab and other provinces. With the support of partner banks like Faysal Bank, UBL, NRSP, and Punjab National Bank, citizens can now install solar panels and even solar tubewells in Pakistan through flexible loans.
In this article, we’ll cover the details of the Roshan Gharana Solar Scheme, its eligibility, application process, financing calculators, and benefits.
What is the Roshan Gharana Solar Scheme?
The Roshan Gharana Roshan Pakistan initiative is aimed at promoting renewable energy by financing solar systems. The scheme provides loans to households and small businesses so they can reduce their reliance on expensive electricity and shift towards clean solar energy.
The loan can be used for:
- Home solar panels for lighting and appliances
- Solar tubewells for farmers to cut irrigation costs
- Small business solar systems to ensure uninterrupted operations
It is part of a larger government vision to reduce the national grid’s burden, cut down on fossil fuel imports, and create a greener Pakistan.
Why Pakistan Needs Solar Loan Schemes
The purpose of the solar loan scheme is clear:
- Lower Electricity Bills – Families can generate their own electricity.
- Promote Renewable Energy – Encourages a shift away from fossil fuels.
- Energy Security – Solar reduces reliance on grid supply.
- Job Creation – New employment in solar installation and maintenance.
- Better Lifestyle – Consistent electricity improves education and business.
Key Features of the Roshan Gharana Solar Loan Scheme (2025)
- Concessional Interest Rates
Subsidized markup rates make the scheme more affordable compared to commercial loans. - Flexible Repayment Plans
Loan periods range from 5 to 15 years, with easy monthly installments. - Increased Loan Limits
Loan amounts range from Rs. 40,000 to Rs. 500,000, covering small homes to large farms. - Minimal Documentation
The application process is simple, with only basic documents required. - Quick Processing
Loan approvals usually take 10–15 working days.
Eligibility Criteria for Roshan Gharana Scheme
To qualify for the loan, applicants must meet certain requirements:
- Age between 21 to 60 years
- Pakistani citizen with valid CNIC
- Permanent residence verification
- Regular source of income (salaried or self-employed)
- Property or land ownership proof for solar tubewell loans
Required Documents
Applicants need to provide:
- Copy of CNIC
- Proof of residence
- Two passport size photographs
- Latest electricity bill
- Proof of income (salary slip or business documents)
- Affidavit and two surety bonds
How to Apply for the Solar Loan
Applying for the Roshan Gharana Solar Loan Scheme is simple:
- Get a Quotation: Contact an authorized solar energy partner and get a quotation for the required system.
- Submit Application Form: Obtain and fill the NRSP Solar Scheme application form or the respective bank’s solar financing form.
- Attach Documents: Submit CNIC copy, residence proof, electricity bill, and income documents.
- Loan Processing: The bank verifies details and approves the loan.
- Installation: Once the loan is disbursed, the solar system is installed by approved vendors.
Banks Supporting Solar Financing
- Faysal Bank Solar Financing: Faysal Bank provides customized loans for solar installation. Customers can also use the Faysal Bank Solar Financing Calculator on their website to estimate monthly installments.
- UBL Solar Financing: United Bank Limited offers solar financing under flexible terms. Their UBL Solar Financing Calculator helps customers calculate repayment amounts based on system size and tenure.
- Punjab National Bank Solar Loan: Punjab National Bank (PNB) supports farmers and households with affordable loans for solar tubewells and home solar systems.
- NRSP Solar Scheme: The National Rural Support Programme (NRSP) focuses on providing loans to rural families for solar home systems and tubewells. Applicants can download the NRSP Solar Scheme Application Form directly from NRSP’s official site or regional offices.
Solar Tubewell Loan in Pakistan
One of the most attractive parts of this scheme is the Solar Tubewell Loan. Farmers spend a major part of their income on diesel or electricity to run tubewells. With this loan:
- Farmers can switch to solar-powered irrigation.
- Monthly installment plans reduce financial stress.
- Long-term savings increase agricultural profits.
Benefits of Roshan Gharana Solar Loan Scheme
- Affordable Installments – Pay monthly instead of a heavy upfront cost.
- Energy Independence – No more dependence on fluctuating electricity supply.
- Support for Rural Areas – Farmers benefit through solar tubewell loans.
- Environmental Protection – Reduced carbon emissions through clean energy.
- Government Subsidies – Lower interest rates make solar adoption easier.
Solar System with Installment Payment
Many families in Pakistan hesitate to invest in solar panels due to high upfront costs. Through this scheme, you can now get a solar system with installment payment, making it as simple as paying your monthly utility bill — but instead of paying the government, you pay towards owning your solar setup.
How to Calculate Your Loan Installments
Using tools like the Faysal Bank Solar Financing Calculator or UBL Solar Calculator, you can easily check:
- Loan amount eligibility
- Tenure period
- Monthly installment amount
- Interest rate applicable
These calculators help customers plan according to their budget before applying.
Future of Solar Financing in Pakistan
With rising energy prices and the global focus on renewable energy, solar financing in Pakistan is expected to grow rapidly. Schemes like the Roshan Gharana Solar Loan will play a crucial role in:
- Reducing the import bill of fossil fuels
- Providing cheaper electricity to families
- Encouraging local solar manufacturing
- Creating thousands of jobs in installation and maintenance
Conclusion
The Roshan Gharana Solar Loan Scheme from Agahe Pakistan is a visionary step toward affordable and clean energy. By offering flexible loans, concessional interest rates, and simple documentation, the scheme makes solar systems possible for both urban families and rural farmers.
Whether you are looking for a solar tubewell loan in Pakistan, a solar system with installment payment, or financing calculators from banks like Faysal Bank and UBL, this scheme covers it all.
It is not just about reducing electricity bills; it is about empowering families, supporting farmers, protecting the environment, and building an energy-independent Pakistan.
FAQs
1. What is the Roshan Gharana Solar Loan Scheme?
It is a financing program by Agahe Pakistan and partner banks to provide affordable loans for solar systems in homes and farms.
2. Who is eligible for the scheme?
Pakistani citizens aged 21–60 with valid CNIC, income proof, and residence verification can apply.
3. Can farmers apply for solar tubewell loans?
Yes, farmers are eligible for subsidized loans to install solar tubewells.
4. Which banks support the solar loan scheme?
Faysal Bank, UBL, Punjab National Bank, and NRSP are among the main financing partners.
5. How can I calculate my installments?
You can use tools like the Faysal Bank Solar Financing Calculator or UBL Solar Financing Calculator to check monthly payments before applying.
