Net Billing & Financing
What replaced net metering, the K-Electric process and ways to pay for solar.
Net billing and financing · Installments
Solar System on Installments in Karachi
A monthly payment is easy to say yes to. The total, the terms and the small print decide whether the plan is fair.
- ✓ Seller plans versus bank loans
- ✓ A worked example
- ✓ Warning signs
Two routes to pay over time
There are two main ways to pay for a solar system over time. A bank can finance it, and you repay the bank. Or a seller can offer its own instalment plan, and you repay the seller.
Bank financing is covered in our solar loans guide. This page is about seller plans, which vary much more and are harder to compare.
Whichever route you take, the same three numbers matter: the cash price, the total you will pay and the monthly amount.
Seller plan or bank loan
General differences. The terms of any real offer must be read in the paper.
| Point | Bank financing | Seller instalments |
|---|---|---|
| Who you owe | The bank | The seller |
| Rules and paperwork | Standard and regulated | Set by the seller, check the paper |
| Insurance | Reported as mandatory | Ask |
| Equipment as security | Reported as hypothecated to the lender | Ask what the seller can do on missed payments |
| Comparability | Offers are easier to compare | Plans differ widely |
| Warranty | Unchanged, comes with the product | Make sure the plan does not change it |
A worked example of total cost
These figures are invented round numbers to show the arithmetic, not an offer. Suppose a system has a cash price of Rs 1,000,000. A seller offers 24 monthly payments of Rs 50,000 after an advance of Rs 100,000.
The total paid is Rs 100,000 plus 24 times Rs 50,000, which is Rs 1,300,000. That is Rs 300,000 above the cash price, or 30 percent. Spread over two years, it is a real cost, even if each month feels small.
Now compare that gap with your expected savings. If your bill falls by Rs 40,000 a month, the plan still costs you more each month than you save in the early months, so check how the sums look over the full period.
Questions to ask before signing
Get the answers in writing.
- What is the cash price, and what is the total price on the plan?
- How much is the advance, and what is the monthly amount?
- What happens if I miss a payment?
- Can I settle early, and is there a charge?
- Who owns the system until the last payment?
- Does the warranty stay the same?
- Is the plan Shariah-compliant, if that matters to me, and who certifies it?
Warning signs
Be careful when a plan names a monthly amount but not a total, when the advance is not written down, when the seller will not show the cash price, or when the plan asks you to pay the whole system price to another person. Do not sign anything that you cannot read in full.
What we offer, and what we do not
We do not offer payment instalments. Our systems are paid for directly, and we say so up front so that you are not left guessing.
What we do give you is an itemised written quote with every part, the warranty terms and tax. You can use it to compare any plan you are offered elsewhere, or to take to a bank if you want to finance the purchase.
FAQs
Questions people ask us
Short answers. For your own property, send us your electricity bill and roof details.
Ask on WhatsAppSome banks and sellers offer it, but we do not offer payment instalments ourselves. Compare the cash price, the total price and the monthly amount on any plan before you decide.
Usually, because you pay a markup or a higher price for time. Ask for the total on the plan and compare it with the cash price.
It depends on the terms. Ask in advance, and get the answer in writing.
They should not. Ask the seller to confirm that the warranty terms are the same as for a cash purchase.
No. We do not offer payment instalments. We can give you an itemised quote to compare other plans or to take to a bank.
Sources
Rules and figures on this page were checked in October 2026. They change, so confirm the current position before you commit money.
Related pages
Solar Loans
Bank solar loans in Karachi: what is offered, what changed and how to prepare.
3 kW, 5 kW, 6 kW Systems
3 kW, 5 kW and 6 kW systems: output, roof area, loads and quote checks.
Government Solar Schemes
Government solar programmes in Sindh, who they cover and how to check them.
Comparing payment plans?
We do not offer instalments, but we can size your system and give you an itemised quote to compare against any plan. The estimate is free.