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HSBC Energy Efficiency Loan at 6% p.a.

Get a preferential rate for solar panels, solar water heaters, electric and plug-in hybrid vehicles.

Energy Efficiency Loan

Whether you're looking to save on your electricity bills, reduce your fuel consumption, or redeem government incentives, you'll get to enjoy our preferential interest rates when you buy the following items:

  • home photovoltaic system (including home electric vehicle chargers)
  • solar water heaters
  • electric vehicles
  • plug-in hybrid vehicles

Available for home and personal use only.

Reduce your electricity bills, fuel usage, and get government incentives

Solar panels

Install solar panels at home to reduce your electricity cost.

Solar water heaters

Get solar water heaters to save money on your household bills.

Electric vehicles

Reduce your fuel consumption by investing in an electric vehicle.

Plug-in hybrid vehicles

Buy a plug-in hybrid vehicle to minimise your fuel usage.

Our preferential Energy Efficiency Loan offer

  • Variable rate at only 6% p.a. for unsecured loans up to Rs. 2.5 million
  • Flexible loan repayments for a period of up to 7 years
  • No handling fees or other charges
  • No fees for full early repayments or partial early repayments

How much will you repay?

We've provided an illustration of estimated monthly repayment amounts for different loan amounts and terms based on an indicative interest rate of 6% per annum.
Loan tenor (years)
Rs.1 million Rs.2.5 million
3 3,042 15,210 30,421 76,054
4 2,348 11,742 23,485 58,712
5 1,933 9,666 19,332 48,332
We've provided an illustration of estimated monthly repayment amounts for different loan amounts and terms based on an indicative interest rate of 6% per annum.
Loan tenor (years)
Rs.1 million 30,421
Rs.2.5 million 76,054
Loan tenor (years)
Rs.1 million 23,485
Rs.2.5 million 58,712
Loan tenor (years)
Rs.1 million 19,332
Rs.2.5 million 48,332

Note: Annual Percentage Rate (APR) is 6%. Rates are variable and subject to change at any time.

Eligibility criteria

To apply for an Energy Efficiency Loan, you must satisfy the following criteria:

  • Resident of Mauritius
  • Aged between 18 to 65 years (loan to terminate at 65 years or retirement age)
  • Earn a minimum monthly income of MUR 25,000

Criteria mentioned above are for indicative purposes only. Customers are recommended to talk to a branch representative for more details.

Documents required for an Energy Efficiency Loan application:

  • Proof of identity – (National Identity Card or Passport)
  • For fixed income: last 3 salary slips (or latest month salary slip if salary is credited to an HSBC account)
    For variable income: last 12 months' salary slips.
  • Bank statements for the last 2 months (if salary is not credited to a HSBC account)
  • Latest utility bill - e.g. Central Electricity Board (CEB), Central Water Authority (CWA), or Mauritius Telecom (MT)


To avail of the Energy Efficiency Loan interest rate and benefits, a copy of the original receipt of the product purchased should be produced (after your loan is disbursed)

We may in some cases, require other documents from you. Our staff will advise you accordingly.

Why does HSBC offer an Energy Efficiency Loan?

Today, we finance a number of industries that significantly contribute to greenhouse gas emissions. We have a strategy to help our customers to reduce their emissions and to reduce our own. For more information, please visit our sustainability website.

Terms and conditions apply.

Note: We draw your attention to the existence of the Mauritius Credit Information Bureau (MCIB). Please click here to find out more about Mauritius Credit Information Bureau This link will open in a new window to find out more about Mauritius Credit Information Bureau. Rates are variable and linked to either HSBC Base Lending Rate or Bank of Mauritius Key Rate. These are subject to fluctuations anytime.

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