A term financing solution for customers looking to install solar energy systems ranging from 4 kW to 1000 kW, with net metering compatibility.
Clean e-CIB (credit report)
Business operational history of minimum 3 years (not applicable for agri clients)
12 months utility bills (waived for agri customers)
No-objection certificate if the property is jointly owned
Load assessment by DISCO and vendor survey report
Installment must not exceed 20–30% above the 3-month peak bill average (excludes agri)
Only suppliers registered with the Alternative Energy Development Board (AEDB) are eligible. Payments will be made directly to pre-approved vendors.
Markup: Variable (linked to KIBOR + approved spread)
Payment frequency:
Principal: Monthly / Quarterly / Bi-Annually
Mark-up: Monthly / Quarterly
Down Payment:
20% for owned premises & agri facilities
25% for rental or leased facilities
Hypothecation of equipment
Personal guarantees & security cheques
Insurance coverage
Property mortgage or cash equivalents (based on case)
Up to PKR 400 million per borrower
Collateral required for:
Residential (rental): above PKR 2.5 million
Residential (owned): above PKR 4.0 million
SME/Commercial: above PKR 10 million
Agri: Collateral equal to full loan amount
Processing charges as per official Schedule of Charges (SOC)
Insurance charged upfront for the first year; remaining years included in instalments