PM Surya Ghar Subsidy Calculator 2026 — Rooftop Solar India
PM Surya Ghar Muft Bijli Yojana gives you up to ₹78,000 central subsidy on rooftop solar — plus SBI solar loans at ~7%, and state top-ups in UP, Rajasthan, Gujarat, and others. A 2kW system can cost as little as ₹50,000 after subsidy and pay for itself in 3 years.
Scheme status — June 2026
40L+
Households solarised
₹78,000
Max central subsidy (3kW+)
~7%
SBI Surya Ghar loan rate
Subsidy by system size — 2026
PM Surya Ghar Subsidy Table 2026
| System size | Central subsidy | Net cost after subsidy | Area needed | Units/month |
|---|---|---|---|---|
| 1 kW | ₹30,000 | ₹30K–₹40K | 10–12 sqft | 90–110 units |
| 2 kW | ₹60,000 | ₹50K–₹70K | 20–24 sqft | 180–220 units |
| 3 kW | ₹78,000 (max) | ₹72K–₹1.02L | 30–36 sqft | 270–330 units |
| 4 kW | ₹78,000 (capped) | ₹1.22L–₹1.62L | 40–48 sqft | 360–440 units |
| 5 kW | ₹78,000 (capped) | ₹1.72L–₹2.22L | 50–60 sqft | 450–550 units |
State top-up subsidies
State-wise Solar Top-up Subsidies — 2026
| State | State top-up subsidy | Combined benefit |
|---|---|---|
| Uttar Pradesh | ₹15,000/kW (up to 3kW) | Up to ₹1.23L for 3kW |
| Rajasthan | ₹17,000 additional | ₹78,000 + ₹17,000 = ₹95,000 max |
| Gujarat | ₹10,000 flat | ₹88,000 max for 3kW |
| Maharashtra | Interest subvention on loan | Cheaper loan, not direct subsidy |
| Tamil Nadu | ₹10,000 additional (select categories) | ₹88,000 max |
| Karnataka | Net metering credits (no cash top-up) | Strong net metering policy |
| Delhi | ₹2,000/kW (up to 3kW) | ₹84,000 max for 3kW |
Payback period
Solar Payback Period — India 2026
| System size | Net cost (after subsidy) | Monthly savings | Payback period |
|---|---|---|---|
| 1 kW | ₹35,000 | ₹800/month | ~44 months (3.6 yrs) |
| 2 kW | ₹60,000 | ₹1,600/month | ~38 months (3.2 yrs) |
| 3 kW | ₹87,000 | ₹2,400/month | ~36 months (3 yrs) |
| 5 kW | ₹1,97,000 | ₹4,000/month | ~49 months (4.1 yrs) |
Assumes ₹8/unit average tariff and 5 sun-hours/day (Indian average). Actual savings vary by location, DISCOM, and shading.
Frequently asked questions
What is the PM Surya Ghar subsidy amount in 2026?
PM Surya Ghar Muft Bijli Yojana subsidy in 2026: For the first 2kW of capacity: ₹30,000 per kW (total ₹60,000 for 2kW). For the 3rd kW only: ₹18,000 (total subsidy for 3kW = ₹78,000). For capacity above 3kW: no additional central subsidy (4kW and above get the same ₹78,000 as 3kW). The subsidy is disbursed directly to your bank account after installation verification. As of June 2026, over 40 lakh households have been solarised under this scheme.
What is the total cost of rooftop solar after PM Surya Ghar subsidy in 2026?
Rooftop solar installation cost in 2026 (all-in, including panels, inverter, mounting, wiring, net metering): 1kW: ₹60,000–₹70,000 before subsidy. After ₹30,000 subsidy = ₹30,000–₹40,000 net. 2kW: ₹1,10,000–₹1,30,000 before subsidy. After ₹60,000 subsidy = ₹50,000–₹70,000 net. 3kW: ₹1,50,000–₹1,80,000 before subsidy. After ₹78,000 subsidy = ₹72,000–₹1,02,000 net. 5kW: ₹2,50,000–₹3,00,000 before subsidy. After ₹78,000 subsidy = ₹1,72,000–₹2,22,000 net.
How do I apply for the PM Surya Ghar subsidy?
Step-by-step application: (1) Register on pmsuryaghar.gov.in with your electricity consumer number and mobile number. (2) Apply for net metering with your DISCOM (distribution company) online — submit application number in the portal. (3) Select a MNRE-empanelled vendor from the portal (only registered vendors are eligible). (4) Get the system installed by the vendor. (5) DISCOM inspection and net meter installation. (6) Submit installation report and bank details on the portal. (7) Subsidy credited to your bank within 30 days of DISCOM approval. The entire process typically takes 30–60 days.
What are the monthly electricity bill savings from rooftop solar in India?
Monthly savings depend on system size and your current bill: 1kW solar generates ~90–110 units/month (average Indian conditions). At ₹8/unit average tariff: ₹720–₹880 saved/month. 2kW generates ~180–220 units/month: ₹1,440–₹1,760 saved/month. 3kW generates ~270–330 units/month: ₹2,160–₹2,640 saved/month. With net metering, excess units go back to the grid and are credited against future bills. In most states, net metering allows you to carry over credits for 12 months. A household with a ₹3,000–₹4,000/month bill can reduce it by 70–90% with a 3kW system.
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Disclaimer: Subsidy amounts as per MNRE guidelines June 2026. State subsidies may change. Only MNRE-empanelled vendors qualify. Apply only through pmsuryaghar.gov.in.