PM Surya Ghar: PSBs sanction 5.79 lakh rooftop solar loans
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Asked by UPSCPrelims 2025Mains 2025 (GS1)2 PYQs
UPSC has already asked about this. Read the story with these questions in mind.
What happened
- By September 2025, public sector banks had sanctioned over 5.79 lakh loan applications worth ₹10,907 crore under PM Surya Ghar Muft Bijli Yojana [PIB].
- Collateral-free loans up to ₹2 lakh are offered, processed through the JanSamarth portal linked with pmsuryaghar.gov.in [PIB].
Background
- The model loan scheme also gives a six-month moratorium and long tenure linked to electricity savings [PIB].
Why it matters
- Easy credit removes the up-front cost barrier, the main reason households skip rooftop solar.
How to use this in Mains
- As per PIB (2025-10-07): by September 2025, public sector banks had sanctioned over 5.79 lakh loan applications worth ₹10,907 crore under PM Surya Ghar Muft Bijli Yojana.
- Easy credit removes the up-front cost barrier, the main reason households skip rooftop solar.
Quotable data pointCollateral-free loans up to ₹2 lakh are offered, processed through the JanSamarth portal linked with pmsuryaghar.gov.in.
PIB: Finance: PM Surya Ghar loans by PSBs, 7 Oct 2025
Exam angle
UPSC
Prelims: PM Surya Ghar.
Practice MCQs
Original practice questions (not PYQs).
Practice · UPSC
Loans sanctioned by PSBs (Sep 2025)
Answer (b) & explanation
PIB.
Practice · UPSC
Collateral-free loan limit
Answer (b) & explanation
PIB.
Practice · UPSC
Portal processing the loans
Answer (a) & explanation
PIB.
Go deeper
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Official source: PIB: Finance: PM Surya Ghar loans by PSBs, 7 Oct 2025
facts from cited sources only; faculty review pending