DRAFT — outline only. Do not publish until the figures below are verified. Keep this guide inactive until it is written.
Angle: The honest arithmetic of borrowing vs paying upfront when you have the cash.
This guide must answer: - How does the EMI compare to the monthly bill saved? - What's the opportunity cost of the cash? - How does subsidy timing affect the decision? - When does paying cash clearly win?
Writing rules: answer the question in the first two sentences, put a real number in the opening paragraph, name the specific city or DISCOM where the answer varies, and link to two related guides and the relevant category page.
Verify before publishing: Loan rate and saving figures — keep consistent with the loan guide.
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Last updated 4 August 2026 · Reviewed by the RenSetu team