Service

Finance that gets the plant built.

Kyra Photon partners with SIDBI, IREDA and PFC to structure solar financing that considers ownership structure, tax reliefs, prevailing electricity prices and ROI — so the numbers on paper actually become a running plant.

Overview

What we deliver.

A compelling solar business case is worth nothing if the CAPEX gates the project. Kyra Photon Tech works with three of India's most active infrastructure financiers — SIDBI, IREDA and PFC — to structure loans, moratoriums and repayment schedules around the project's real cashflow, not a generic template.

The right facility depends on project type. Rooftop C&I projects typically fit SIDBI (up to ₹25M) or IREDA (above ₹25M) — collateral-free, with 3, 5 or 7-year tenures and EMIs structured at or below the customer's current monthly electricity bill. Utility-scale ground-mount projects generally use PFC with a 20/80 equity/debt split and 12–24 month moratorium.

In every case, the goal is the same: monthly outflow that the site's own generation covers, so the plant funds itself from day one.

Finance paths

Two structures. Pick the one that matches your project.

Path 01

Rooftop Solar Finance

For residential and C&I rooftop plants — via SIDBI and IREDA.


  • SIDBI loans for rooftop plants up to ₹25M
  • IREDA loans for rooftop plants above ₹25M
  • Tenure options of 3, 5 or 7 years
  • Collateral-free — margin money only
  • EMI structured at or below current monthly electricity bill
Path 02

Ground Mount Solar Finance

For utility-scale ground-mounted plants — via Power Finance Corporation (PFC).


  • Financing via PFC (Power Finance Corporation)
  • Structured as 20% equity / 80% debt funded
  • Flexible tenure up to 2 years
  • Moratorium option of 12–24 months
  • Repayment aligned to commissioning and evacuation timeline

Ready to switch on your rooftop?

Send us your electricity bill and a rooftop photograph — we'll come back with a feasibility report, generation estimate and indicative CAPEX within 48 hours.