The document discusses how financing options for solar water heaters in India have increased their usage. Low interest loans from banks, with interest rates subsidized by the Ministry of Non-Conventional Energy Sources and 80% depreciation allowed, have made solar water heaters more affordable. A policy shift from capital subsidies to interest rate subsidies in the mid-1990s led more banks to finance the industry and new manufacturers to enter the market, such as V Guard Industries. This sustainable financing model and quality assurances have increased solar water heater installation across homes, institutions, factories and other facilities in India.