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PM Surya Ghar Subsidy Calculator 2026

Enter your system size, state and monthly electricity use below to get your PM Surya Ghar subsidy, net installed cost and payback period — computed live from the MNRE Central Financial Assistance schedule (2026-09-16), not read off a fixed table. The central subsidy tops out at ₹78,000 at 3 kW in most States and UTs, ₹85,800 in the special-category States and UTs, and does not grow above 3 kW.

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Your plant

01Who is applying

Changes the schedule. A household is paid on slabs that stop growing at 3 kW; a society or RWA gets a flat rate per kW for common facilities, capped at 3 kW per house and 500 kW overall.

Your own home's rooftop, on your own electricity connection.

02State or UT

The central rate is 10% higher in the special category States and UTs. A state top-up is added only where it has been read to that state's own nodal agency.

03Plant size

Household: the DC module capacity the subsidy is paid on, plus your monthly units for savings and payback. Society: the common-facility plant and the number of houses, which sets its ceiling.

What size rooftop plant, in kW?

Total plant size after this installation. The subsidy stops growing at 3 kW.

Tap to edit

110

How many units does your home use a month?

From your electricity bill. Used for savings and payback, not for the subsidy.

Tap to edit

501500

04Earlier subsidised plants

Central assistance already received counts against the ceiling — a household plant enlarged from 1 kW to 4 kW earns it on 2 more kW. Leave at 0 if there are none.

Already have a subsidised rooftop plant? Its size in kW

Leave at 0 for a first installation.

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Total subsidy

₹78,000

Maharashtra: standard rate

Central subsidy (CFA)₹78,000

Capacity the CFA is paid on3 kW

Installed cost (new capacity)₹1.8 L – ₹1.95 L

Net cost after subsidy₹1.02 L – ₹1.17 L

Shade-free roof needed323 sq ft

Estimated generation360 units/month

Bill savings a year₹21,900 – ₹32,850

Payback period3.1 – 5.3 years

How this was worked out

•3 kWp straddles the 2 kWp boundary: 2 × ₹30,000 + 1 × ₹18,000 = ₹78,000.

Your bill suggests about 2.5 kW. Savings count only the units the plant offsets against your own use; export credit depends on your DISCOM’s net-metering terms and is not added.

Where these figures come from

Central subsidy (CFA): MNRE Guidelines for PM-Surya Ghar, page 6 §(h), checked 2026-09-16.
Net cost after subsidy: installed cost band ₹60,000–₹65,000 per kW is UPNEDA’s published installation cost range (checked 2026-09-14), a Uttar Pradesh figure. MNRE’s benchmark cost is lower, at ₹50,000 per kW for the first 2 kW, and is the basis the subsidy is computed on, not a price.
Shade-free roof needed: UPNEDA Muft Bijli Yojana booklet, checked 2026-09-14: 10 sq m (~107.6 sq ft) per kW.
Estimated generation: 4 units/kW/day, UPNEDA’s published low end of a 4–5 range.
Payback period: at ₹6–₹9/unit, this site’s own tariff band, not a DISCOM figure.
Assistance is paid only for grid-connected plants with DCR modules installed by an empanelled vendor; apply at pmsuryaghar.gov.in.

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Max ₹78,000 per household · up to ₹90 L for a housing society or RWA · rates checked 2026-09-16

Central subsidy ceiling — reached at 3 kW, not above it

₹78,000

Most States and UTs

₹85,800

Special category States and UTs

~7%

PM Jan-Samarth loan rate in the guidelines

Subsidy by system size — 2026

PM Surya Ghar Subsidy Table 2026

System size	Central subsidy (CFA)	Net cost after subsidy	Shade-free roof needed	Units/month
1 kW	₹30,000	₹30,000 – ₹35,000	90 – 108 sq ft	~120 units
2 kW	₹60,000	₹60,000 – ₹70,000	150 – 215 sq ft	~240 units
3 kW	₹78,000 (ceiling)	₹1.02 L – ₹1.17 L	240 – 323 sq ft	~360 units
4 kW	₹78,000 (capped)	₹1.62 L – ₹1.82 L	300 – 431 sq ft	~480 units
5 kW	₹78,000 (capped)	₹2.22 L – ₹2.47 L	390 – 538 sq ft	~600 units

Budget the upper roof figure, not the lower one. The roof column is a band: the lower end is a best-case panel layout at 400 W per panel, and the upper end — 108 sq ft per kW, so 323 sq ft for a 3 kW system — is UPNEDA’s published requirement and is the number to plan against. Source: Uttar Pradesh New and Renewable Energy Development Agency (UPNEDA), “PM Surya Ghar: Muft Bijli Yojana — Information Booklet”: “Approx. 10 sq. m. of shade-free roof space is needed for installing a 1 kW solar plant.” 10 sq m is about 107.6 sq ft — the figure whose unit was dropped in the table this page shipped with (B-260). Read at upneda.org.in/MediaGallery/Documents/MuftBijliYojanBooklet.pdf, checked 2026-09-14. Net cost is the installed band less the central subsidy. The installed band of ₹60,000 to ₹65,000 per kW is UPNEDA's published installation cost range — a state nodal agency stating what installation costs, in its PM Surya Ghar booklet at upneda.org.in, checked 2026-09-14 — and is a Uttar Pradesh figure applied here for want of a national one. MNRE's benchmark cost is a different and lower number, ₹50,000 per kW for the first 2 kW and ₹45,000 for the additional kW (MNRE PM-Surya Ghar guidelines §(g), cdnbbsr.s3waas.gov.in, checked 2026-09-16): it is the basis the subsidy is computed against, not a market price.

The rate is 10% higher in the special category States and UTs

PM Surya Ghar Central Financial Assistance by tier

Where the property is	First 2 kW	Third kW	Ceiling at 3 kW
All States and UTs except those opposite	₹30,000 per kW	₹18,000 per kW	₹78,000
Uttarakhand, Himachal Pradesh, J&K, Ladakh, the North Eastern States including Sikkim, and the UTs of A&N and Lakshadweep	₹33,000 per kW	₹19,800 per kW	₹85,800

The uplift applies to the whole schedule, not just the ceiling — ₹33,000 per kW on the first 2 kW against ₹30,000. Source: Guidelines for PM-Surya Ghar: Muft Bijli Yojana — Central Financial Assistance to Residential Consumers, Ministry of New and Renewable Energy, Government of India. Scheme approved 29 February 2024; CFA effective 13 February 2024. Pages 5–8, §(e) CFA Structure, §(g) Benchmark Cost, §(h) Effective CFA and §(n) Pre-existing RTS. Read at cdnbbsr.s3waas.gov.in/s3716e1b8c6cd17b771da77391355749f3/uploads/2024/07/202407021768035484.pdf, checked 2026-09-16.

State top-up subsidies

State top-up subsidies read to a state government source

State	State top-up	Applies up to	Combined benefit at 3 kW	Read to
Uttar Pradesh	₹15,000 per kW	2 kW	₹1,08,000 (₹1.08 L)	upneda.org.in/MediaGallery/Documents/MuftBijliYojanBooklet.pdf — checked 2026-09-14

One state, and that is the honest count. A state top-up is set by the state, so it has to be read to that state’s own nodal agency rather than inferred. Rajasthan, Gujarat, Maharashtra, Tamil Nadu, Karnataka, Delhi are not quoted here — this page previously printed a rupee figure for each of them with no source, and those figures have been withdrawn rather than restated. Their absence means “not read to a state source”, never “no top-up exists”. List last reviewed 2026-09-14.

Payback period

Solar Payback Period — India 2026

System size	Net cost (after subsidy)	Annual savings	Payback period
1 kW	₹30,000 – ₹35,000	₹8,760 – ₹13,140	2.3 – 4.0 years
2 kW	₹60,000 – ₹70,000	₹17,520 – ₹26,280	2.3 – 4.0 years
3 kW	₹1.02 L – ₹1.17 L	₹26,280 – ₹39,420	2.6 – 4.5 years
4 kW	₹1.62 L – ₹1.82 L	₹35,040 – ₹52,560	3.1 – 5.2 years
5 kW	₹2.22 L – ₹2.47 L	₹43,800 – ₹65,700	3.4 – 5.6 years

Net cost is the installed band less the central subsidy, and savings assume ₹6–₹9 per unit (this site’s own tariff band, not a DISCOM figure) and 4 units per kW per day. That generation figure is the low end of UPNEDA’s own published range of 4 to 5 units per kW daily, so the payback shown is the slower end rather than the flattering one. The installed band of ₹60,000 to ₹65,000 per kW is UPNEDA's published installation cost range — a state nodal agency stating what installation costs, in its PM Surya Ghar booklet at upneda.org.in, checked 2026-09-14 — and is a Uttar Pradesh figure applied here for want of a national one. MNRE's benchmark cost is a different and lower number, ₹50,000 per kW for the first 2 kW and ₹45,000 for the additional kW (MNRE PM-Surya Ghar guidelines §(g), cdnbbsr.s3waas.gov.in, checked 2026-09-16): it is the basis the subsidy is computed against, not a market price. Actual savings vary by DISCOM tariff slab, shading and net-metering terms.

By RealCost Editorial TeamReviewed by RealCost Editorial TeamLast updated September 21, 2026 with September 2026 data

The subsidy is only half the eligibility test: your panels also have to sit on MNRE's Approved List of Models and Manufacturers (ALMM) List-I, or the installation doesn't qualify for net-metering, open access or the CFA at all. A housing society can fold EV-charging points into the same GHS/RWA subsidy category as its rooftop system, capped within the same 3 kWp-per-house allocation. And this page's own payback assumption is a national illustration — a real Mumbai bill, worked below, shows where that assumption sits against an actual DISCOM slab.

The ALMM requirement: which panels actually qualify

ALMM was created under the "Approved Models and Manufacturers of Solar Photovoltaic Modules (Requirement for Compulsory Registration) Order, 2019". List-I covers solar PV modules; List-II covers solar PV cells. "Only the models and manufacturers included in ALMM List-I (of solar PV modules) are eligible for use in Government Projects/ Government assisted Projects/ Projects under Government Schemes & Programmes/ Open Access / Net-Metering Projects" — which covers a PM Surya Ghar rooftop installation directly, since it is both a government-assisted scheme and, almost always, a net-metering project.

List-II is the more volatile of the two: MNRE's own page currently states no blanket extension of List-II enforcement past 1 June 2026, with a separate limited window to 31 December 2026 for commissioning specific net-metering and open-access projects. The list itself is revised close to monthly — a 9th revision dated 21 August 2026 and an 8th dated 22 July 2026 both supersede the one before. If a dealer quotes a solar-cell origin exemption date, verify it against the live MNRE page before signing anything; an older cached date is not reliable.

A housing society can fold EV charging into the same subsidy category

The Group Housing Society/RWA Central Financial Assistance — ₹18,000/kWp (₹19,800/kWp in special-category States/UTs), up to 500 kWp total for the society — is not restricted to rooftop generation alone. MNRE's own guidelines describe this category as covering "facilities including EV charging up to 500 kWp (@3 kWp per house)". A society planning both a shared solar system and EV charging points for residents' cars should size the two together against that 3 kWp-per-house cap, not budget for EV charging as a separate allocation on top of it.

How the electricity a charging point actually draws gets billed is a separate question, governed by the Ministry of Power's own 2024 EV charging guidelines rather than the MNRE scheme — see our EV home charger cost calculator for the ACoS-linked tariff formula that applies to a dedicated charging connection.

A real DISCOM bill against this page's payback assumption

The payback table above runs on this site's own illustrative tariff band, because domestic electricity tariffs are slabbed and vary by DISCOM. For a sense of a real slab: Tata Power's Mumbai distribution tariff for FY2025-26 charges ₹2.00/kWh plus ₹2.76/kWh wheeling for the first 100 units a month, rising to ₹5.20 + ₹2.76 for 100–300 units, ₹10.79 + ₹2.76 for 301–500, and ₹11.79 + ₹2.76 above 500 — combined rates from roughly ₹4.76 up to ₹14.55 per unit.

A household already in the 301–500 unit slab is saving against a combined rate near ₹13.55/unit for every unit its solar system offsets — well above this page's own illustrative band — while one that stays under 100 units a month is saving against roughly a third of that. Check which slab your last few bills actually sit in before you use this page's payback figure; the true number moves with your own consumption, not with a national average.

Methodology

ALMM structure and current enforcement dates are read from MNRE's own ALMM page. The GHS/RWA EV-charging provision is read from the MNRE PM Surya Ghar guidelines PDF. The DISCOM comparison is read directly from Tata Power-D's MERC-approved FY2025-26 tariff order for Mumbai; the EV tariff cross-reference is read from the Ministry of Power's 2024 EV charging guidelines. Checked 21 September 2026.

Sources

MNRE — Approved List of Models and Manufacturers (ALMM) — accessed 2026-09-21
MNRE — PM Surya Ghar: Muft Bijli Yojana Guidelines (GHS/RWA CFA, EV-charging provision) — accessed 2026-09-21
Ministry of Power — Guidelines for Installation and Operation of EV Charging Infrastructure-2024 — accessed 2026-09-21
MERC — Final MYT Order, Tata Power-D Mumbai, Case No. 210 of 2024 — accessed 2026-09-21

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Disclaimer: Central subsidy amounts are read to the MNRE scheme guidelines cited above (2026-09-16), not to a secondary summary. The subsidy applies only to grid-connected residential rooftop using domestically manufactured modules on the MNRE ALMM list, and only to installations by an MNRE-empanelled vendor. Apply only through pmsuryaghar.gov.in. This page is not affiliated with MNRE or with any DISCOM.

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Frequently asked questions

Does this page calculate my exact subsidy, or just show typical figures?

Enter your system size, state and monthly units above for a live calculation from the same MNRE Central Financial Assistance schedule this page cites (Guidelines for PM-Surya Ghar: Muft Bijli Yojana — Central Financial Assistance to Residential Consumers, Ministry of New and Renewable Energy, Government of India. Scheme approved 29 February 2024; CFA effective 13 February 2024. Pages 5–8, §(e) CFA Structure, §(g) Benchmark Cost, §(h) Effective CFA and §(n) Pre-existing RTS. Checked 2026-09-16.) The subsidy, net cost, roof area and payback below the tool are the same primitives, so the number you see is not a separate estimate.

What is the PM Surya Ghar subsidy amount in 2026?

PM Surya Ghar: Muft Bijli Yojana pays ₹30,000 per kW for the first 2 kW of capacity or part thereof — ₹60,000 for a full 2 kW — and ₹18,000 for the third kW, so the ceiling is ₹78,000 and it is reached at exactly 3 kW. Above 3 kW there is no additional central assistance: a 4 kW or a 6 kW system draws the same ₹78,000 as a 3 kW one. In the special category States and UTs — Uttarakhand, Himachal Pradesh, J&K, Ladakh, the North Eastern States including Sikkim, and the UTs of A&N and Lakshadweep — the rates are ₹33,000 and ₹19,800 per kW, ceiling ₹85,800. The scheme is for grid-connected residential rooftop only, using modules on the MNRE ALMM list, and the assistance is credited to the consumer's bank account after installation is verified. Source: Guidelines for PM-Surya Ghar: Muft Bijli Yojana — Central Financial Assistance to Residential Consumers, Ministry of New and Renewable Energy, Government of India. Scheme approved 29 February 2024; CFA effective 13 February 2024. Pages 5–8, §(e) CFA Structure, §(g) Benchmark Cost, §(h) Effective CFA and §(n) Pre-existing RTS. Read at cdnbbsr.s3waas.gov.in/s3716e1b8c6cd17b771da77391355749f3/uploads/2024/07/202407021768035484.pdf, checked 2026-09-16.

What is the total cost of rooftop solar after PM Surya Ghar subsidy in 2026?

Rooftop solar in 2026, all-in — panels, inverter, mounting, wiring and net metering — at ₹60,000 to ₹65,000 per kW installed, with the PM Surya Ghar central subsidy deducted: 1 kW costs ₹60,000–₹65,000 before subsidy, and ₹30,000–₹35,000 net after ₹30,000 of assistance; 2 kW costs ₹1.2 L–₹1.3 L before subsidy, and ₹60,000–₹70,000 net after ₹60,000 of assistance; 3 kW costs ₹1.8 L–₹1.95 L before subsidy, and ₹1.02 L–₹1.17 L net after ₹78,000 of assistance; 4 kW costs ₹2.4 L–₹2.6 L before subsidy, and ₹1.62 L–₹1.82 L net after ₹78,000 of assistance; 5 kW costs ₹3 L–₹3.25 L before subsidy, and ₹2.22 L–₹2.47 L net after ₹78,000 of assistance. The subsidy stops growing at 3 kW, so the net cost of a 4 kW or 5 kW system rises by the full installed price of the extra capacity. Where the per-kW band comes from, because these are derived rupee figures and the basis matters: The installed band of ₹60,000 to ₹65,000 per kW is UPNEDA's published installation cost range — a state nodal agency stating what installation costs, in its PM Surya Ghar booklet at upneda.org.in, checked 2026-09-14 — and is a Uttar Pradesh figure applied here for want of a national one. MNRE's benchmark cost is a different and lower number, ₹50,000 per kW for the first 2 kW and ₹45,000 for the additional kW (MNRE PM-Surya Ghar guidelines §(g), cdnbbsr.s3waas.gov.in, checked 2026-09-16): it is the basis the subsidy is computed against, not a market price. Get proposals from at least three MNRE-empanelled vendors rather than budgeting from either end of a band.

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?

Savings depend on system size and on your DISCOM's tariff slab. At 4 units per kW per day — the low end of UPNEDA's published range of 4 to 5 — and ₹6 to ₹9 per unit (this site's own tariff band, not a DISCOM figure): 1 kW generates about 120 units a month, worth ₹720–₹1,080 a month; 2 kW generates about 240 units a month, worth ₹1,440–₹2,160 a month; 3 kW generates about 360 units a month, worth ₹2,160–₹3,240 a month; 4 kW generates about 480 units a month, worth ₹2,880–₹4,320 a month; 5 kW generates about 600 units a month, worth ₹3,600–₹5,400 a month. With net metering the surplus goes back to the grid and is credited against later bills, and most states allow credits to be carried for twelve months. Savings are capped by your own consumption plus whatever your DISCOM credits for export, so a system larger than your bill does not save proportionally more.

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