A solar cell is disclosed. The solar cell includes a semiconductor substrate, a conductive region formed at the semiconductor substrate and having a conductive type identical to or different from that of the semiconductor substrate, a passivation film formed on the semiconductor substrate so as to cover the conductive region, and an electrode electrically connected to at least one of the semiconductor substrate and the conductive region. The passivation film includes a first layer formed on the conductive region and including silicon oxide, a second layer formed on the first layer and including an oxide having a negative charge, and a third layer formed on the second layer and having an index of refraction different from that of the second layer.