PM Surya Ghar Subsidy Calculator 2026
Find your exact rooftop solar subsidy under PM Surya Ghar: Muft Bijli Yojana — up to ₹78,000 — plus your net cost, monthly bill savings and payback period. Enter your electricity usage to get started.
Calculator inputs
Check any recent electricity bill for your monthly units.
Cost, generation and tariff vary by state, vendor and capacity. Adjust to match a real quote.
Central subsidy on a 2.5 kW system
₹69,000
55% of your ₹1.25 L system cost — paid to your bank account
| Gross system cost (before subsidy) | ₹1,25,000 |
|---|---|
| Central subsidy (PM Surya Ghar) | − ₹69,000 |
| Net cost to you | ₹56,000 |
Monthly savings
₹2,400
300 units generated/month
Annual savings
₹28,800
On your electricity bill
Payback period
1.94 yrs
To recover your net cost
25-year net benefit
₹6.64 L
Lifetime savings minus net cost
Savings are conservative — they count only the units you consume yourself. Surplus power exported to the grid earns extra credit under net metering, which varies by state and is not included above. Lifetime figures assume no panel degradation or tariff increase.
Key Takeaways
- •Subsidy is capped at ₹78,000 — ₹30,000/kW for the first 2 kW, ₹18,000 for the 3rd kW. Going above 3 kW adds capacity but not subsidy.
- •3 kW is the sweet spot for most homes — it unlocks the full ₹78,000 and suits a household using ~300–360 units a month.
- •Paid straight to your bank account after installation and DISCOM inspection — typically within 30 days.
- •Payback is usually 3–5 years, after which power is effectively free for the remaining ~20 years of panel life.
Max Subsidy
For 3 kW and above
Free Units/Month
Scheme target per household
Target Homes
Households to be covered
What is PM Surya Ghar: Muft Bijli Yojana?
PM Surya Ghar: Muft Bijli Yojana is a central government scheme launched on 13 February 2024 with an outlay of over ₹75,000 crore. Its goal is to install rooftop solar on 1 crore households and provide up to 300 units of free electricity per month to each.
The scheme works through a direct Central Financial Assistance (CFA) — a subsidy paid straight to the homeowner's bank account — combined with collateral-free, low-interest loans for the balance. You apply on the national portal, pick a registered vendor, and the subsidy lands after your DISCOM inspects the installation.
Under PM Surya Ghar: Muft Bijli Yojana (launched 13 Feb 2024), a residential consumer receives a central subsidy of ₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW, capped at ₹78,000 for systems of 3 kW or more. The subsidy is credited directly to the applicant's bank account after installation and inspection (Ministry of New & Renewable Energy, pmsuryaghar.gov.in).
How Much Subsidy Do You Get? (Slab Table)
The Central Financial Assistance is structured in slabs by system size. The key thing to understand: the subsidy is capped at ₹78,000, which you reach at exactly 3 kW. Installing more than 3 kW increases generation but not the subsidy.
₹30,000/kW (first 2 kW) + ₹18,000/kW (3rd kW) — capped at ₹78,000
| System Size | Central Subsidy | Suits Monthly Usage |
|---|---|---|
| 1 kW | ₹30,000 | ~120 units |
| 2 kW | ₹60,000 | ~240 units |
| 3 kW | ₹78,000 (max) | ~300–360 units |
| 4 kW | ₹78,000 (capped) | ~480 units |
| 5 kW | ₹78,000 (capped) | ~600 units |
A 1 kW rooftop system earns ₹30,000, 2 kW earns ₹60,000, and 3 kW or larger earns the maximum ₹78,000 under PM Surya Ghar. Because the subsidy is capped at 3 kW, most households maximise value by sizing at 3 kW unless their consumption clearly justifies more capacity.
Who is Eligible for PM Surya Ghar?
Residential consumers qualify if they meet all of the following:
- Indian citizen applying for a residential premises.
- Own a house with a roof structurally suitable for installing solar panels.
- Valid electricity connection in the applicant's name with the local DISCOM.
- No prior solar subsidy availed for the same premises under any earlier scheme.
Group Housing Societies (GHS) and Resident Welfare Associations (RWA) can also avail subsidy for common facilities and EV charging, subject to separate caps.
How to Apply (Step by Step)
- Register on the national portal pmsuryaghar.gov.in with your state, DISCOM and consumer number.
- Log in and apply for rooftop solar with your desired capacity.
- Wait for feasibility approval from your DISCOM.
- Get the system installed by a registered vendor.
- Submit plant details and apply for net metering.
- After inspection, the DISCOM generates a commissioning certificate.
- Submit bank details and a cancelled cheque — the subsidy is credited to your account, typically within 30 days.
How Much Will You Actually Save?
A 1 kW system generates roughly 120 units a month (about 4 units per kW per day, varying with location and season). At a typical residential tariff of ₹8/unit, a 3 kW system that offsets ~360 units saves close to ₹2,880 a month, or about ₹34,560 a year.
With a net cost near ₹72,000 after the ₹78,000 subsidy on a ₹1.5 lakh system, that's a payback of roughly 2–3 years — after which the electricity is effectively free for the remaining life of the panels. Use the calculator above to model your own usage and tariff.
Note: Our calculator counts only self-consumption savings. Surplus power exported to the grid earns additional net- metering credit at a rate fixed by your state regulator, so your real savings may be higher than shown.
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Back to Calculator ↑Frequently Asked Questions
What is the PM Surya Ghar: Muft Bijli Yojana?
PM Surya Ghar: Muft Bijli Yojana is a central government scheme launched on 13 February 2024 to provide rooftop solar to 1 crore households. It gives a direct subsidy (Central Financial Assistance) of up to ₹78,000 per home and aims to deliver up to 300 free units of electricity per month.
How much subsidy do I get under PM Surya Ghar?
The central subsidy is ₹30,000 per kW for the first 2 kW, plus ₹18,000 per kW for the third kW, capped at ₹78,000 for systems of 3 kW and above. So a 1 kW system gets ₹30,000, a 2 kW system gets ₹60,000, and a 3 kW or larger system gets the maximum ₹78,000.
Who is eligible for the PM Surya Ghar solar subsidy?
You must be an Indian citizen, own a house with a roof suitable for solar panels, have a valid electricity connection, and not have already availed any other solar subsidy for the same premises. The subsidy is for residential consumers.
How is the subsidy paid?
The Central Financial Assistance is credited directly to the consumer's bank account, usually within 30 days of successful installation and inspection by the DISCOM. You apply and choose a registered vendor through the national portal at pmsuryaghar.gov.in.
What size solar system do I need?
A rough rule is 1 kW of rooftop solar for every ~120 units of monthly consumption (about 4 units per kW per day). A household using ~300 units a month typically needs a 2.5–3 kW system. This calculator recommends a size from your monthly usage, which you can adjust.
Is the PM Surya Ghar subsidy taxable?
A government subsidy received for installing rooftop solar at your own residence is generally treated as a capital subsidy reducing the cost of the asset and is not taxed as income for an individual homeowner. Consult a tax professional for your specific situation.
Can I get a loan for the rest of the cost?
Yes. Collateral-free, low-interest loans are available for residential systems up to 3 kW under the scheme. Many banks offer these loans at concessional rates linked to the repo rate. The subsidy reduces the principal you need to finance.
What happens to extra electricity my panels generate?
Surplus electricity is exported to the grid under net metering, and you receive credit on your bill at a rate set by your state regulator. This calculator counts only self-consumption savings to stay conservative, so your real savings may be higher.
How long do solar panels last and what is the payback?
Residential solar panels typically last 25 years. With the subsidy lowering your upfront cost, payback periods are often 3–5 years depending on your tariff and usage, after which the electricity is effectively free for the remaining life of the system.
Is PM Surya Ghar the same as the old rooftop solar subsidy?
PM Surya Ghar replaced and expanded the earlier rooftop solar programme. The subsidy structure was simplified to the ₹30,000/₹18,000 per kW slabs with the ₹78,000 cap, and the scheme added the goal of 300 free units per month plus easier financing.
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Sources & References
- PM Surya Ghar: Muft Bijli Yojana — National Portal — Ministry of New & Renewable Energy (MNRE)
- Ministry of New & Renewable Energy — Rooftop solar programme
Disclaimer
This calculator is for informational and educational purposes only. Subsidy amounts, eligibility, system costs, generation and tariffs vary by state, DISCOM, vendor and time. Results are estimates based on the assumptions you provide and may not reflect your final quote or sanctioned subsidy. Verify current details on the official portal before deciding. This website is not affiliated with or endorsed by the Government of India.