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Gurgaon

Report on Training SBI officerson Grid connected RooftopSolar Proposal Evaluation

June 4 - 9, 2018

Hyderabad

ecognizing India’s vast potential for renewable, solar

Renergy, the Government of India initiated the Grid

connected Rooftop PV (GRPV) programme in 2015.

The programme is helping the government achieve its target

of 40 Gigawatts (GW) of solar rooftop by 2022; this is part

of its wider goal of 175 GW, under the Jawaharlal Nehru

National Solar Mission. SBI plays an important role in this

initiative, as it is tasked with disbursing a $625 million World

Bank loan for rooftop projects, as well as supporting the

stakeholders for effective delivery of outputs. The projects

have not seen high acceptance so far, primarily due to

financial restrictions. Despite strong policies in place, there is

a lack of awareness regarding the regulations and business

models, reluctance to pay the high upfront investments and

limited debt financing available to rooftop solar developers.

This has further highlighted the critical role played by bank

officials in the success of the initiative, as they are the ones

providing the funds to developers. Informing them about

these projects can ease the financial process and facilitate the

uptake of rooftop solar PV installations across the country.

CHARGING UPTHE FINANCE WORLD

India is in the solar belt of the world Acknowledging the immense potential and breadth of solar

projects in the country, the Ministry of New & Renewable

Energy (MNRE) and the World Bank have recognized the

need to familiarize the target stakeholders regarding the

policies and regulatory frameworks and, most importantly,

build the capacities of staff involved in the financial aspects of

these projects. To further this objective, the State Bank of

India (SBI), in collaboration with the World Bank and Ernst

and Young, successfully conducted a series of two-day

workshops on the financing of rooftop solar projects across

India. The workshops were the first of their kind, aimed at

providing a thorough understanding of the cost, financing

possibilities, risks and their mitigation strategies, and the

business models associated with rooftop solar projects.

Nearly 180 SBI officers, from various SBI branches across 16

states, were taken through the different aspects of solar

rooftop installations by 12 trainers, who had Master Trainer

accreditation from the Skill Council for Green Jobs. The

workshops were conducted in three batches, between the

4th-9th June, 2018, in Hyderabad and Gurugram.

The bank officers, at the end of the training workshops, are

qualified as Solar Proposal Evaluation Specialists. They are

able to check the technical and site feasibility, as well as the

financial viability of solar rooftop projects. These officers can

then disburse the required funds at attractive interest rates

to solar rooftop developers and end-users.

In order to train the officials, the appropriate course content

was developed using modules previously created by the

USAID PACE-D Program for the Solar Proposal Evaluation

Specialist Qualification Pack (QP) of Skill Council for Green

Jobs. This has been declared a National Qualification and is

part of the National Qualification Register. The knowledge

provided to the participants in these workshops gave them

an in-depth understanding of the project magnitude and

scope, thereby helping them in mobilizing finance for future

solar rooftop projects. A number of such workshops have

been planned, to empower more staff and facilitate the

uptake of solar rooftop infrastructure.

Key challenges confronting the financingof the solar rooftop sector in India

Ÿ Evolution of policy framework

Ÿ Interconnection process and charges

Ÿ Infrastructure up gradation requirement

Ÿ Site related risks

Ÿ Grid availability risks

Ÿ Contract sanctity & host credit-quality

Understanding of the emerging policy and regulatory scenario

Role of stakeholders starting from rooftop owners to developers

and the utility

Varied risks - development and operational stage/

understanding of risk mitigation strategies

Clear understandingof new and emerging

business models

Ÿ Policy & Implementation

Ÿ Role of utility / electrical inspector - timelines

Ÿ Standards & Certifications

Ÿ Empanelment of inverter/ meter manufacturers

Ÿ Lack of clarity onbusiness models

Ÿ Rooftop leasing

Ÿ Utility basedbusiness models

ecognizing India’s vast potential for renewable, solar

Renergy, the Government of India initiated the Grid

connected Rooftop PV (GRPV) programme in 2015.

The programme is helping the government achieve its target

of 40 Gigawatts (GW) of solar rooftop by 2022; this is part

of its wider goal of 175 GW, under the Jawaharlal Nehru

National Solar Mission. SBI plays an important role in this

initiative, as it is tasked with disbursing a $625 million World

Bank loan for rooftop projects, as well as supporting the

stakeholders for effective delivery of outputs. The projects

have not seen high acceptance so far, primarily due to

financial restrictions. Despite strong policies in place, there is

a lack of awareness regarding the regulations and business

models, reluctance to pay the high upfront investments and

limited debt financing available to rooftop solar developers.

This has further highlighted the critical role played by bank

officials in the success of the initiative, as they are the ones

providing the funds to developers. Informing them about

these projects can ease the financial process and facilitate the

uptake of rooftop solar PV installations across the country.

CHARGING UPTHE FINANCE WORLD

India is in the solar belt of the world Acknowledging the immense potential and breadth of solar

projects in the country, the Ministry of New & Renewable

Energy (MNRE) and the World Bank have recognized the

need to familiarize the target stakeholders regarding the

policies and regulatory frameworks and, most importantly,

build the capacities of staff involved in the financial aspects of

these projects. To further this objective, the State Bank of

India (SBI), in collaboration with the World Bank and Ernst

and Young, successfully conducted a series of two-day

workshops on the financing of rooftop solar projects across

India. The workshops were the first of their kind, aimed at

providing a thorough understanding of the cost, financing

possibilities, risks and their mitigation strategies, and the

business models associated with rooftop solar projects.

Nearly 180 SBI officers, from various SBI branches across 16

states, were taken through the different aspects of solar

rooftop installations by 12 trainers, who had Master Trainer

accreditation from the Skill Council for Green Jobs. The

workshops were conducted in three batches, between the

4th-9th June, 2018, in Hyderabad and Gurugram.

The bank officers, at the end of the training workshops, are

qualified as Solar Proposal Evaluation Specialists. They are

able to check the technical and site feasibility, as well as the

financial viability of solar rooftop projects. These officers can

then disburse the required funds at attractive interest rates

to solar rooftop developers and end-users.

In order to train the officials, the appropriate course content

was developed using modules previously created by the

USAID PACE-D Program for the Solar Proposal Evaluation

Specialist Qualification Pack (QP) of Skill Council for Green

Jobs. This has been declared a National Qualification and is

part of the National Qualification Register. The knowledge

provided to the participants in these workshops gave them

an in-depth understanding of the project magnitude and

scope, thereby helping them in mobilizing finance for future

solar rooftop projects. A number of such workshops have

been planned, to empower more staff and facilitate the

uptake of solar rooftop infrastructure.

Key challenges confronting the financingof the solar rooftop sector in India

Ÿ Site related risks

Ÿ Grid availability risks

Ÿ Contract sanctity & host credit-quality

Understanding of the emerging policy and regulatory scenario

Role of stakeholders starting from rooftop owners to developers

and the utility

Varied risks - development and operational stage/

understanding of risk mitigation strategies

Clear understandingof new and emerging

business models

Ÿ Policy & Implementation

Ÿ Role of utility / electrical inspector - timelines

Ÿ Standards & Certifications

Ÿ Empanelment of inverter/ meter manufacturers

Ÿ Lack of clarity onbusiness models

Ÿ Rooftop leasing

Ÿ Utility basedbusiness models

DISCOM, to be used during peak demand hours. The more

surplus energy the building generates, the lower its electricity

consumption bill. The revenue generated by this system

increases with an increase in tariffs. In the case of gross

metering, however, the entire energy generated is transferred

to the DISCOM, which then provides the required energy on

a fixed tariff. The electricity bill of the consumer is not based

on what they generate, but rather only on what they consume.

It was brought out in the session that even though DISCOMs

will lose revenue due to the reduced sale of conventionally

obtained power, with future increases in the cost of procuring

the latter, they stand to gain in the long term by switching to

solar rooftops.

DAY 1: UNDERSTANDINGTHE DETAILS OF SOLARROOFTOP PROJECTS

ay 1 of the workshops consisted of four technical

Dsessions, conducted by the Master Trainers. The

first session introduced the two day training and

presented the national and global scenario of solar projects, as

well as the key stakeholders, policies and regulations associated

with Indian projects. The participants were taken through the

nuances of net and gross metering, two of the models used in

solar rooftop projects, with the help of case studies.

In the case of net metering, end users can generate energy

when the building is not in use (for instance, offices can

generate over weekends and consume on weekdays, schools

can generate over vacations). The surplus is sent to the

Interconnection Options for Solar Rooftop System

DistributionUtility Grid

Gross Metering

Solar Rooftop Plant

Captive Plant

Net Metering

Internal GridElectricity

he training, conducted at SBI’s training centers in Tboth cities, began with an inaugural ceremony. The

Hyderabad session was attended by Smt. M Jayashree

Reddy (GM & Principal, SBIRB), Shri Deepak Kumar (CGM,

CPPD), Shri Madhukar Ranjan (DGM (R&A), SBIRB), and Smt.

Lalitha Rudrabhatta (DGM, SBIRB). The Master Trainers for

the sessions included Shri Nithyanandam Yuvaraj Dinesh

Babu, who has more than 24 years of experience in climate

change, sustainable development and clean energy projects

and is the team leader of the Technical Assistance Program

for the Grid Connected Rooftop Solar PV (GRPV) Project.

Several sessions were conducted by Mr Arvind Karandikar,

who has 20 years of experience in consulting on PV module

manufacturing, tariff determination and solar power

generation, and Mr Dipankar Bishnoi, a consultant with

experience in over 300MW of Solar power plants and of

training engineers, entrepreneurs and students from more

than 30 countries.

In Gurugram, the inaugural session was attended by Mr. B. K

Srisvastava (AGM, CPPD, Corporate Centre, SBI), Ms. Supriya

Dutta (DGM, PDA), Mr. Vishwanath Ramling (Chief General

Manager, SME Corporate Centre, SBI), and Mr. Bibek

Bandyopadhyay (former MNRE adviser). Mr. Praveen Saxena

(CEO, Skill Council for Green Jobs), who was present at the

Gurugram workshops, said that “SCGJ was pleased to

collaborate with the EY led Consortium on this important

initiative. Smarter financing mechanisms will not only result

in accelerated deployment but also facilitate India’s transition

to a low carbon economy by enabling large-scale integration

of solar rooftop projects into the grid”.

The sessions in Gurugram were conducted by a group of

Master Trainers that included Mr Vaman Kuber, a recipient of

the “50 Most Impactful Global Green Leaders Award,” with

over 8 years of experience in solar power systems design,

testing and monitoring. Other Trainers included Mr Dwipen

Boruah, the Deputy Team Leader of the MNRE-WB-SBI

Solar Rooftop TA Program, who has worked for more than

27 years in renewable energy planning, implementation and

capacity building, and Mr. Tanmay Bishnoi, who has conducted

techno-economic viability assessments for over 200MW

solar PV power plants across the world, and is a Galileo

Master Certificate holder in Renewable Energy.

AGENDA SETTING

Left to Right: Shri Nithyanandam Yuvaraj Dinesh Babu, Team leader , MNRE-WB-SBI Solar Rooftop TA program Smt. M Jayashree Reddy, GM &Principal , SBIRB, Shri Deepak Kumar CGM , CPPD, Shri Madhukar Ranjan, DGM (R&A), SBIRB, Smt. Lalitha Rudrabhatta ,DGM, SBIRB

Left to Right: Dr. Praveen Saxena (SCGJ), Mr. Binod K Srivastava (SBI), Mr. Vinod Rambling (SBI), Ms. Supriya Dutta (SBI),Dr. Bibek Bandhopadhyay (SBI), Mr. Dwipen Boruah (GSES), Mr. Tanmay (SCGJ)

DISCOM, to be used during peak demand hours. The more

surplus energy the building generates, the lower its electricity

consumption bill. The revenue generated by this system

increases with an increase in tariffs. In the case of gross

metering, however, the entire energy generated is transferred

to the DISCOM, which then provides the required energy on

a fixed tariff. The electricity bill of the consumer is not based

on what they generate, but rather only on what they consume.

It was brought out in the session that even though DISCOMs

will lose revenue due to the reduced sale of conventionally

obtained power, with future increases in the cost of procuring

the latter, they stand to gain in the long term by switching to

solar rooftops.

DAY 1: UNDERSTANDINGTHE DETAILS OF SOLARROOFTOP PROJECTS

ay 1 of the workshops consisted of four technical

Dsessions, conducted by the Master Trainers. The

first session introduced the two day training and

presented the national and global scenario of solar projects, as

well as the key stakeholders, policies and regulations associated

with Indian projects. The participants were taken through the

nuances of net and gross metering, two of the models used in

solar rooftop projects, with the help of case studies.

In the case of net metering, end users can generate energy

when the building is not in use (for instance, offices can

generate over weekends and consume on weekdays, schools

can generate over vacations). The surplus is sent to the

Interconnection Options for Solar Rooftop System

DistributionUtility Grid

Gross Metering

Solar Rooftop Plant

Captive Plant

Net Metering

Internal GridElectricity

he training, conducted at SBI’s training centers in Tboth cities, began with an inaugural ceremony. The

Hyderabad session was attended by Smt. M Jayashree

Reddy (GM & Principal, SBIRB), Shri Deepak Kumar (CGM,

CPPD), Shri Madhukar Ranjan (DGM (R&A), SBIRB), and Smt.

Lalitha Rudrabhatta (DGM, SBIRB). The Master Trainers for

the sessions included Shri Nithyanandam Yuvaraj Dinesh

Babu, who has more than 24 years of experience in climate

change, sustainable development and clean energy projects

and is the team leader of the Technical Assistance Program

for the Grid Connected Rooftop Solar PV (GRPV) Project.

Several sessions were conducted by Mr Arvind Karandikar,

who has 20 years of experience in consulting on PV module

manufacturing, tariff determination and solar power

generation, and Mr Dipankar Bishnoi, a consultant with

experience in over 300MW of Solar power plants and of

training engineers, entrepreneurs and students from more

than 30 countries.

In Gurugram, the inaugural session was attended by Mr. B. K

Srisvastava (AGM, CPPD, Corporate Centre, SBI), Ms. Supriya

Dutta (DGM, PDA), Mr. Vishwanath Ramling (Chief General

Manager, SME Corporate Centre, SBI), and Mr. Bibek

Bandyopadhyay (former MNRE adviser). Mr. Praveen Saxena

(CEO, Skill Council for Green Jobs), who was present at the

Gurugram workshops, said that “SCGJ was pleased to

collaborate with the EY led Consortium on this important

initiative. Smarter financing mechanisms will not only result

in accelerated deployment but also facilitate India’s transition

to a low carbon economy by enabling large-scale integration

of solar rooftop projects into the grid”.

The sessions in Gurugram were conducted by a group of

Master Trainers that included Mr Vaman Kuber, a recipient of

the “50 Most Impactful Global Green Leaders Award,” with

over 8 years of experience in solar power systems design,

testing and monitoring. Other Trainers included Mr Dwipen

Boruah, the Deputy Team Leader of the MNRE-WB-SBI

Solar Rooftop TA Program, who has worked for more than

27 years in renewable energy planning, implementation and

capacity building, and Mr. Tanmay Bishnoi, who has conducted

techno-economic viability assessments for over 200MW

solar PV power plants across the world, and is a Galileo

Master Certificate holder in Renewable Energy.

AGENDA SETTING

Left to Right: Shri Nithyanandam Yuvaraj Dinesh Babu, Team leader , MNRE-WB-SBI Solar Rooftop TA program Smt. M Jayashree Reddy, GM &Principal , SBIRB, Shri Deepak Kumar CGM , CPPD, Shri Madhukar Ranjan, DGM (R&A), SBIRB, Smt. Lalitha Rudrabhatta ,DGM, SBIRB

Left to Right: Dr. Praveen Saxena (SCGJ), Mr. Binod K Srivastava (SBI), Mr. Vinod Rambling (SBI), Ms. Supriya Dutta (SBI),Dr. Bibek Bandhopadhyay (SBI), Mr. Dwipen Boruah (GSES), Mr. Tanmay (SCGJ)

Array mounting structure - flat RCC roof

Ÿ Technical feasibility approval by Discom – system capacity within regulation permitted limits

Ÿ System design document

Ÿ Roof owner and their NOC, agreement or ownership documents

Ÿ Roof structural strength report by structural engineer

Ÿ Completion certificate from EPC / Installer

Ÿ Product and performance warranty certificates of components

Ÿ Earthing report showing resultant resistivity of earth pit

Ÿ Module mounting structure report – STAAD Pro or similar

Ÿ PPA / Interconnection agreement

Ÿ Licensed electrical contractor / (authorized) Discom engineer / Electrical Inspector certification

he second session was devoted to the major

Tcomponents of a solar project (photo-voltaic modules,

inverters, mounting frames) and their safety protocols.

The third session focused on site feasibility (presence of

shadow-free areas, roof structure and material, availability of

water) and the importance of technical due diligence, including

assessing grid connectivity, obtaining required permits and

clearances and fire and personnel safety.

By the end of these two sessions, the participants were able

to form a checklist of aspects, to be kept in mind while

evaluating a proposal.

he commercial checkpoints included approval of the

Tinstallation under net or gross metering system, the

state grid tariffs, component maintenance and

potential revenue and profits that could be generated from

the system. The technical checkpoints included component

certificate validity, roof structure, area of installation, grid

quality, and the protection and maintenance systems that will

be put in place around the installation. This checklist was put

to use in the next session, where the participants were taken

on a site visit to a solar power plant by their master trainers,

who showed them the various components and functioning

of the plant. On returning, the final session of the day was on

“Business models, contracting framework, associated risks

identification and mitigation techniques”.

he trainers introduced the commercial entities and

Tkey agreements essential to a project,and gave an

overview of different solar PV models across the

world. The Power-Purchase Agreement (PPA) is a contract

between the developer and the consumer, in which the tariff

is predetermined for the entire project tenure. The rooftop

lease/rent agreement decides whether the solar power

consumer has any legal rights over the rooftop. The

participants were then familiarized with various factors, such

as tariffs, finances, insurance, tenure and risks associated with

solar projects, as well as redressal strategies.

Compliances and Documents necessary for inspectionSolar implementation models

Solar panel installation at the SBI training academy in Gurugram

Array mounting structure - flat RCC roof

Ÿ Technical feasibility approval by Discom – system capacity within regulation permitted limits

Ÿ System design document

Ÿ Roof owner and their NOC, agreement or ownership documents

Ÿ Roof structural strength report by structural engineer

Ÿ Completion certificate from EPC / Installer

Ÿ Product and performance warranty certificates of components

Ÿ Earthing report showing resultant resistivity of earth pit

Ÿ Module mounting structure report – STAAD Pro or similar

Ÿ PPA / Interconnection agreement

Ÿ Licensed electrical contractor / (authorized) Discom engineer / Electrical Inspector certification

he second session was devoted to the major

Tcomponents of a solar project (photo-voltaic modules,

inverters, mounting frames) and their safety protocols.

The third session focused on site feasibility (presence of

shadow-free areas, roof structure and material, availability of

water) and the importance of technical due diligence, including

assessing grid connectivity, obtaining required permits and

clearances and fire and personnel safety.

By the end of these two sessions, the participants were able

to form a checklist of aspects, to be kept in mind while

evaluating a proposal.

he commercial checkpoints included approval of the

Tinstallation under net or gross metering system, the

state grid tariffs, component maintenance and

potential revenue and profits that could be generated from

the system. The technical checkpoints included component

certificate validity, roof structure, area of installation, grid

quality, and the protection and maintenance systems that will

be put in place around the installation. This checklist was put

to use in the next session, where the participants were taken

on a site visit to a solar power plant by their master trainers,

who showed them the various components and functioning

of the plant. On returning, the final session of the day was on

“Business models, contracting framework, associated risks

identification and mitigation techniques”.

he trainers introduced the commercial entities and

Tkey agreements essential to a project,and gave an

overview of different solar PV models across the

world. The Power-Purchase Agreement (PPA) is a contract

between the developer and the consumer, in which the tariff

is predetermined for the entire project tenure. The rooftop

lease/rent agreement decides whether the solar power

consumer has any legal rights over the rooftop. The

participants were then familiarized with various factors, such

as tariffs, finances, insurance, tenure and risks associated with

solar projects, as well as redressal strategies.

Compliances and Documents necessary for inspectionSolar implementation models

Solar panel installation at the SBI training academy in Gurugram

DAY 2: UNDERSTANDING THETECHNICALITIES OF PROJECTCOSTING & FINANCING

This was the focus of the sixth technical session of the

workshops, on “Energy generation analysis and performance”.

As the Master trainer explained, the inverter components of

solar PV projects are attached to data logging systems, which

record data and produce graphs on parameters such as the

daily energy yield for month / year, daily power generation,

insulation / irradiation, ambient temperature, module

temperature and wind speed. These can then be used to

calculate the performance of a power plant. The performance

ratio can compare the performance of plants that differ in

design, technology and location, as well as detect under-

performing plants.

The next technical session allowed the participants to apply

what they had learned to a real-time case study of a solar

project report. This helped them identify what factors need to

be kept in mind while evaluating a proposal. The final two

sessions of the workshops were on environmental social and

governance, and on SBI’s Solar Rooftop Lending Program and

solar project loan sanction procedures.

For instance, having an Aluminium mounting arrangement on a

sloping roof, as compared to a GI structure on a flat roof, can

reduce cost per kWp by 4%. Similarly, increasing the distance

between the array and inverter can increase the cost per

kWp by 8%. In their presentation, the trainers also brought

out the multiple investment models that are applicable to

solar rooftop projects. The Capex model provides the

working capital, until the system is commissioned and sold to

the customer. The Opex model is a long term investment, in

which the energy is sold to the customer.

As a long term project, solar rooftops do see a decrease in

efficiency, couple with an increase in expenses due to

replacements and maintenance. However, in a case study

utilizing net metering, it was seen that because of an increase

in tariffs, the revenue from energy sales improve over the

years, thus ensuring a steady gross income.

An efficient and accurate way of measuring the decrease in

efficiency of a project, are the performance indicators.

ay 2 began with a technical session on project

Dcosting and financial analysis. The master trainers

took the participants through an item-wise

breakdown of the project costs. They were then introduced

to the fixed and variable costs in a project, as well as the

different factors affecting the system capital costs.

kWp by 8%.In their presentation, the trainers also brought

Tanmay Bishnoi from Skill Council of Green Jobs interacting with the SBI participants in Gurugram

Deepanker Bishnoi from Skill Council of Green Jobs conducting the session in Hyderabad

SBI ofcers participating in the session

DAY 2: UNDERSTANDING THETECHNICALITIES OF PROJECTCOSTING & FINANCING

This was the focus of the sixth technical session of the

workshops, on “Energy generation analysis and performance”.

As the Master trainer explained, the inverter components of

solar PV projects are attached to data logging systems, which

record data and produce graphs on parameters such as the

daily energy yield for month / year, daily power generation,

insulation / irradiation, ambient temperature, module

temperature and wind speed. These can then be used to

calculate the performance of a power plant. The performance

ratio can compare the performance of plants that differ in

design, technology and location, as well as detect under-

performing plants.

The next technical session allowed the participants to apply

what they had learned to a real-time case study of a solar

project report. This helped them identify what factors need to

be kept in mind while evaluating a proposal. The final two

sessions of the workshops were on environmental social and

governance, and on SBI’s Solar Rooftop Lending Program and

solar project loan sanction procedures.

kWp by 8%. In their presentation, the trainers also brought

As a long term project, solar rooftops do see a decrease in

efficiency, couple with an increase in expenses due to

replacements and maintenance. However, in a case study

utilizing net metering, it was seen that because of an increase

in tariffs, the revenue from energy sales improve over the

years, thus ensuring a steady gross income.

An efficient and accurate way of measuring the decrease in

efficiency of a project, are the performance indicators.

ay 2 began with a technical session on project

Dcosting and financial analysis. The master trainers

took the participants through an item-wise

breakdown of the project costs. They were then introduced

to the fixed and variable costs in a project, as well as the

different factors affecting the system capital costs.

kWp by 8%.In their presentation, the trainers also brought

Tanmay Bishnoi from Skill Council of Green Jobs interacting with the SBI participants in Gurugram

Deepanker Bishnoi from Skill Council of Green Jobs conducting the session in Hyderabad

SBI ofcers participating in the session

THE PARTICIPANTS’PERSPECTIVES

he two day workshops concluded with a valedictory

Tsession, where the participants were commended, as

well as encouraged to share their knowledge with

their colleagues. Certifying the attendees as Solar Proposal

Evaluation Specialists will facilitate these bankers in providing

loans for grid connected rooftop solar installations in both

residential and commercial buildings. “The sessions were in-

depth, interactive and well-designed. It gave me an opportunity to

interact with the trainers for more clarifications on this most

important topic of GRPV financing,” said Jyoti Yadav, a Deputy

Manager and participant. This was corroborated by all

participants, who felt that the technical know-how they had

received during the workshops had given them the

confidence to assess and finance rooftop projects.

They believed the checklist of important aspects that they

were provided during the workshops, would help the bank

in the evaluation process. In addition, the knowledge of

project details can allow bank officials to encourage

prospective GRPV borrowers. The participants’ viewpoint

was perfectly summed up by Jyoti Yadav, who said that

“through this training, we feel empowered today to contribute

towards India’s energy mission”.

Training and Site Visit

TRAININGSNAPSHOT

Ms Mani Khurana, Senior Energy Specialist, The World Banksharing her views with the SBI ofcers

Mr Ananda Ganesan, DGM, SBI presenting on the SBI’s rooftop solarnancing scheme to SBI ofcers

Ms Mani Khurana, Senior Energy Specialist, The World Bank giving awaythe participation certicate to one of the SBI ofcers at the valedictory function.

Mr Ananda Ganesan, DGM, SBI giving away the participation certicateto one of the SBI ofcers at the valedictory function

THE PARTICIPANTS’PERSPECTIVES

he two day workshops concluded with a valedictory

Tsession, where the participants were commended, as

well as encouraged to share their knowledge with

their colleagues. Certifying the attendees as Solar Proposal

Evaluation Specialists will facilitate these bankers in providing

loans for grid connected rooftop solar installations in both

residential and commercial buildings. “The sessions were in-

depth, interactive and well-designed. It gave me an opportunity to

interact with the trainers for more clarifications on this most

important topic of GRPV financing,” said Jyoti Yadav, a Deputy

Manager and participant. This was corroborated by all

participants, who felt that the technical know-how they had

received during the workshops had given them the

confidence to assess and finance rooftop projects.

They believed the checklist of important aspects that they

were provided during the workshops, would help the bank

in the evaluation process. In addition, the knowledge of

project details can allow bank officials to encourage

prospective GRPV borrowers. The participants’ viewpoint

was perfectly summed up by Jyoti Yadav, who said that

“through this training, we feel empowered today to contribute

towards India’s energy mission”.

Training and Site Visit

TRAININGSNAPSHOT

Ms Mani Khurana, Senior Energy Specialist, The World Banksharing her views with the SBI ofcers

Mr Ananda Ganesan, DGM, SBI presenting on the SBI’s rooftop solarnancing scheme to SBI ofcers

Ms Mani Khurana, Senior Energy Specialist, The World Bank giving awaythe participation certicate to one of the SBI ofcers at the valedictory function.

Mr Ananda Ganesan, DGM, SBI giving away the participation certicateto one of the SBI ofcers at the valedictory function

State Bank of India (SBI) is the largest public-sector bank in India. The bank has played a pivotal role in establishing the

organized banking sector in India by offering a wide range of services to individuals as well as businesses. Headquartered

in Mumbai, Maharashtra and after its merger with five of its associate banks it now operates through a network of more

than 24,000 branches and 59,000 ATMs across the country. SBI presents a wide range of products and services for its

customers. It includes savings account, credit cards, fixed deposits, home loan, personal loan, debit card, loan against

property, car loan, gold loan and more.

About State Bank of India

Skill Council for Green Jobs (SCGJ) is the sector skill council supporting National Skill Development Mission and

National Solar Mission, and has been created under the aegis of NSDC and Ministry of Skill Development and

Entrepreneurship (MSDE), Government of India; and promoted by Ministry of New and Renewable Energy (MNRE),

Government of India and Confederation of Indian Industry (CII), with the mandate to develop National Occupational

Standards along with allied course curriculums and courseware to support the training and skill development activity in

the country. Skill Council for Green Jobs is the capacity building and skill development partner under The World Bank

SUPRABHA Technical Assistance Program.

About SCGJ

The Sustainable Partnership for Rooftop Solar Acceleration in Bharat (SUPRABHA) is a USD 13 Million five-year

bilateral program which is led by The World Bank and SBI and implemented in partnership with the Ministry of New and

Renewable Energy (MNRE). SBI has appointed Ernst & Young Consortium as the Project Management Consultant (PMC)

for managing the administration of this five-year TA program. SUPRABHA will be offering Technical Assistance to 14

Partner States (Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, Tripura, Bihar, Jharkhand, Odisha, Madhya Pradesh,

Chhattisgarh, Rajasthan, Chandigarh and Delhi) towards establishing an enabling ecosystem for accelerated deployment of

grid connected rooftop solar. EY Consortium comprises of EY, SCGJ, IDAM Infrastructure, Emergent Ventures India, GSES

and Edelman.

About SUPRABHA - The World BankSBI Rooftop Solar Technical Assistance Program