Subsidy & EMI Calculators 2026 | Arthika Sovereign Credit Portal

Government grant up to 35% on manufacturing units up to ₹50 Lakh and service units up to ₹20 Lakh.

Total Project Cost ₹25,00,000

₹1 Lakh ₹25 Lakh ₹50 Lakh

Sector / Activity

Manufacturing (Max ₹50L) Service Sector (Max ₹20L)

Project Location

Rural Area (+10% extra subsidy) Urban Area

Beneficiary Social Category

Special (Women / SC / ST / OBC / Ex-Serv) General Male

Subsidy Entitlement 35% Subsidy

Estimated Direct Government Grant:

₹8,75,000

Own Contribution Required: ₹1,25,000 (5%)

Bank Loan Facilitation: ₹15,00,000 (60%)

Lock-in Moratorium: 3 Years Term Deposit

Calculate direct central government bank subsidies and annual free electricity savings up to 300 units/month.

Select Rooftop Capacity

Average Monthly Electricity Bill

Current Monthly Power Spend ₹3,000

Direct Account Subsidy

Government Cash Back Grant:

₹78,000

Free Power Generated: Up to 360 Units / month

Annual Power Bill Savings: ₹32,400 / year

Estimated Payback Period: ~ 2.8 Years

Instant monthly repayment simulator for PMMY Shishu, Kishor, and Tarun loans up to ₹20 Lakh.

Borrowing Amount ₹10,00,000

Repayment Tenure 5 Years (60 Months)

Interest Rate (% per annum) 9.5% p.a.

Estimated Monthly Installment

Monthly Repayment (EMI):

₹21,002

Principal Borrowed: ₹10,00,000

Total Interest Payable: ₹2,60,119

Total Amount Over Tenure: ₹12,60,119

Central Subsidy & Loan Simulator