Ultimate pm surya ghar subsidy calculator: 5 Steps

The pm surya ghar subsidy calculator is a simple online tool that lets Indian homeowners quickly work out how much central subsidy they will receive under the PM Surya Ghar Muft Bijli Yojana. With the government offering up to Rs 30,000 per kW for the first two kilowatts and an additional Rs 18,000 per kW for the third kilowatt, many families can see a sizeable reduction in upfront costs. This article walks you through the exact numbers, explains the eligibility criteria, and shows how to use the calculator to get a reliable estimate before you approach any installer.

Understanding the subsidy structure is essential because it directly influences the return on investment for a rooftop solar system. The scheme targets 1 crore households and promises up to 300 units of free electricity each month, a promise that can translate into thousands of rupees saved annually. However, the subsidy is only available for residential, grid‑connected systems installed by a registered vendor and approved by the local DISCOM. By using the calculator, you can decide the optimal system size—whether 2 kW, 3 kW, or larger—while staying within the capped central subsidy of Rs 78,000.

Below, we break down the calculation steps, provide a clear data table, and link to the official portal where you will submit your application. The guide also highlights the role of software platforms like SolarSwytch, which help solar installers generate subsidy‑aware proposals, but the focus remains on the homeowner’s perspective. By the end, you will be able to enter your roof’s available capacity, see the exact subsidy amount, and understand the next steps to claim it.

Quick Answer: The pm surya ghar subsidy calculator shows a central subsidy of Rs 30,000 per kW for the first 2 kW and Rs 18,000 for the third kW, capped at Rs 78,000 for systems 3 kW and above.{: .quick-answer}

Key Facts

Central subsidy of Rs 30,000 per kW for the first 2 kW. pmsuryaghar.gov.in
Additional Rs 18,000 per kW for capacity between 2 kW and 3 kW, total capped at Rs 78,000. pmsuryaghar.gov.in
Scheme targets 1 crore households with up to 300 kWh free electricity per month. PIB
Eligibility requires a residential grid‑connected system, valid electricity connection, and roof ownership. pmsuryaghar.gov.in
Applications are submitted online via the national portal pmsuryaghar.gov.in with DISCOM verification. pmsuryaghar.gov.in

Why This Matters – pm surya ghar subsidy calculator
Common Misconceptions
pm surya ghar subsidy calculator — how it works / what you must know
Costs, savings and returns — what the numbers really mean
Use Cases and Scenarios – pm surya ghar subsidy calculator
pm surya ghar subsidy calculator – step‑by‑step roadmap
Illustrative Example
pm surya ghar subsidy calculator – alternatives and comparison
Rules, compliance and regulations — staying on the right side of the scheme
Frequently Asked Questions
Conclusion

Why This Matters – pm surya ghar subsidy calculator

India’s power demand is soaring, yet many households still face high electricity bills. The PM Surya Ghar Muft Bijli Yojana was launched to turn rooftops into clean‑energy generators and to give families a real break on their monthly bills. By offering a central subsidy of Rs 30,000 per kW for the first 2 kW and an extra Rs 18,000 per kW for capacity between 2 kW and 3 kW (capped at Rs 78,000 for systems of 3 kW and above), the scheme makes rooftop solar affordable for a vast majority of Indian homes.

The financial upside

When a homeowner installs a 1 kW system, the central subsidy alone reduces the out‑of‑pocket cost by Rs 30,000. For a 2 kW system, the subsidy rises to Rs 60,000. A 3 kW installation receives the maximum central benefit of Rs 78,000. In many states, the DISCOM or state government may add a top‑up, but those amounts differ from state to state, so you should check the local DISCOM portal for the exact figure.

Below is a simple comparison of the subsidy you can expect at three common system sizes:

System Size (kW)	Central Subsidy (Rs)	Maximum Central Subsidy (Rs)	Typical Pay‑back Period (years)
1 kW	30,000	30,000	5‑6
2 kW	60,000	60,000	4‑5
3 kW or more	78,000 (capped)	78,000	3‑4

The pay‑back period assumes average Indian sunlight (4‑5 kWh/m²/day) and current electricity tariffs.

Why rooftop solar is a game‑changer

Lower bills – After installation, the system generates electricity during daylight hours, offsetting the amount you would otherwise buy from the DISCOM. Net‑metering ensures any excess power is fed back to the grid, earning you a credit.
Energy security – With frequent load‑shedding in many parts of the country, a self‑generated supply keeps essential appliances running.
Environmental impact – Each kW of rooftop solar avoids roughly 1.5 t of CO₂ per year, contributing to India’s climate goals.
Job creation – The scheme fuels demand for local installers, electricians, and engineers, supporting the growing clean‑energy workforce.

The opportunity for homeowners

The scheme targets 1 crore households and promises up to 300 units of free electricity per month for eligible families. For a typical 3‑kW rooftop system, the average monthly generation is about 120 kWh, which can cover a large portion of a family’s consumption. When combined with the central subsidy, the initial investment often drops below Rs 1.5 lakhs, making solar competitive with traditional diesel generators or even with a new air‑conditioner.

Step‑by‑step overview

Check eligibility – You must own the roof, have a valid electricity connection, and not have received any prior solar subsidy.
Register on the portal – Visit pmsuryaghar.gov.in and create an account.
DISCOM feasibility – Your local distribution company will verify roof suitability and confirm net‑metering capacity.
Select a registered vendor – Only installers listed on the portal can carry out the work.
Installation & inspection – After the system is set up, the DISCOM conducts a technical inspection.
Subsidy credit – Once approved, the subsidy amount is transferred directly to your bank account.

Visual guide

How a calculator helps

Estimating your benefit is the first step toward a confident decision. A pm surya ghar subsidy calculator takes the system size you are considering, applies the Rs 30,000/kW and Rs 18,000/kW rules, and shows you the exact central subsidy you will receive. It also lets you factor in any state‑level top‑up you discover on your DISCOM’s website, giving you a clear picture of the total outlay and expected savings.

Because the subsidy amount changes only at the 2 kW and 3 kW thresholds, a calculator quickly tells you whether moving from a 2 kW to a 3 kW system is financially worthwhile. For many families, the extra Rs 18,000 per kW (up to the cap) makes the larger system a better long‑term investment, especially when the roof space is available.

In short, the pm surya ghar subsidy calculator is a practical tool that turns policy numbers into a personalized financial plan, helping you decide the right system size for your home and budget.

Common Misconceptions

Myth	Reality
1. “The subsidy covers the entire cost of a solar system.”	The central subsidy is capped at Rs 78,000 for systems of 3 kW and above. Even with a state top‑up, a typical 3 kW rooftop installation still requires a homeowner contribution of Rs 1–1.5 lakhs after subsidies.
2. “Only new homes can apply.”	Any residential household with a valid electricity connection and roof ownership rights can apply, regardless of the age of the house. The key is that the roof must be structurally sound for solar mounting.
3. “Commercial rooftops are eligible.”	The scheme is exclusively for residential rooftop grid‑connected systems. Commercial premises, factories, or any non‑residential building are not eligible for the central subsidy under this programme.
4. “You receive the subsidy before installation.”	The subsidy is disbursed after the system is installed, inspected, and net‑metering is approved. The process is: portal registration → DISCOM feasibility → installation → inspection → subsidy credit.
5. “All states give the same top‑up amount.”	State‑level top‑ups vary by state and are managed by the respective DISCOMs. Some states may add a few thousand rupees, while others may offer higher incentives. Always check your local DISCOM or the PM Surya Ghar Subsidy Amount Explained: Rs.30,000/kW to Rs.78,000 for the latest details.
6. “The application fee is huge.”	The official portal does not list a mandatory application fee in the policy documents. Any fee charged by a private consultant is optional and not part of the government scheme.
7. “You can claim the subsidy multiple times for the same roof.”	The policy states that no prior solar subsidy may have been availed for the same property. Once you receive the benefit, the roof is ineligible for another round under this scheme.
8. “The subsidy is a one‑time cash grant.”	It is a one‑time credit transferred to your bank account after successful completion of the project. It is not a recurring discount on your electricity bill.
9. “Net‑metering is optional.”	Net‑metering is mandatory for subsidy disbursement. Without a signed net‑metering agreement with the local DISCOM, the subsidy will not be released.
10. “You can install any size system you like.”	The central subsidy is structured only up to 3 kW. Larger systems receive the same maximum central benefit of Rs 78,000, and any extra capacity must be financed entirely by the homeowner.

Understanding these realities helps you avoid disappointment and plan a realistic solar investment that aligns with the PM Surya Ghar Muft Bijli Yojana guidelines.

pm surya ghar subsidy calculator — how it works / what you must know

Understanding the calculation behind the PM Surya Ghar Muft Bijli Yojana helps you decide the right system size and avoid surprises later. Below are the key components of the subsidy, the step‑by‑step process, and the data you need to feed into the calculator.

1. Central Subsidy Structure

System Size (kW)	Subsidy per kW	Total Central Subsidy
0 – 2	Rs 30,000	Rs 30,000 × size
>2 – 3	Rs 30,000 for first 2 kW + Rs 18,000 for the extra kW	Up to Rs 78,000
≥3	Fixed cap	Rs 78,000

The central subsidy stops increasing once the system reaches 3 kW; any capacity above that does not attract additional central support. State‑level top‑ups may exist, but they vary widely and must be checked with the respective DISCOM or state portal.

2. Eligibility Checklist

Residential use only – commercial rooftops are excluded.
Valid electricity connection – the house must already be linked to the grid.
Roof ownership – you must own or have long‑term rights to the roof.
No prior subsidy – the household must not have received any solar subsidy earlier.
Registered vendor – installation must be done by a vendor listed on the portal.

3. Application Flow

Portal Registration – Create an account on pmsuryaghar.gov.in and fill in basic household details.
DISCOM Feasibility – The local distribution company reviews the roof’s solar potential and issues a feasibility letter.
Select a Registered Vendor – Choose a solar installer who is approved under the scheme.
Installation & Net Metering – The vendor installs a grid‑connected rooftop system and signs a net‑metering agreement with the DISCOM.
Inspection & Certification – After commissioning, the DISCOM inspects the system and issues a compliance certificate.
Subsidy Disbursement – The approved subsidy amount is transferred directly to the applicant’s bank account.

4. Using the pm surya ghar subsidy calculator

The calculator requires only two inputs:

Available roof area (in square metres) – to estimate the feasible kW capacity.
Desired system size – you can test 1 kW, 2 kW, 3 kW, etc.

The tool then applies the subsidy rates from the table above and displays the central amount you can expect. If you are in a state that offers additional top‑ups, the calculator will prompt you to check the DISCOM site for exact figures.

5. Example Calculation

Suppose you have a roof that can host a 3 kW system.

First 2 kW × Rs 30,000 = Rs 60,000
Third kW × Rs 18,000 = Rs 18,000
Total central subsidy = Rs 78,000 (capped)

If your state offers a top‑up of Rs 5,000 per kW, you would add Rs 15,000, but you must verify this on the state portal.

6. External Resources

For official guidelines and the latest updates, refer to the Ministry of New and Renewable Energy’s page on the scheme: MNRE – PM Surya Ghar Muft Bijli Yojana. This site provides detailed policy documents and FAQs.

Costs, savings and returns — what the numbers really mean

When you plan a rooftop solar system, the subsidy is only one part of the financial picture. Below we break down the typical cost ranges, the impact of the central subsidy, and the expected savings over the system’s life.

1. Typical Cost Components (2026)

Component	Cost Range (per kW)
Solar panels (import‑free)	Rs 30,000 – Rs 45,000
Inverter & balance of system	Rs 10,000 – Rs 15,000
Installation & civil work	Rs 5,000 – Rs 10,000
GST (5 % on hardware, 18 % on services)	Variable
Total before subsidy	Rs 45,000 – Rs 70,000 per kW

These figures are industry averages for residential installations and do not include any state‑level top‑up.

2. Impact of Central Subsidy

Using the 3 kW example:

Total cost before subsidy (average) = 3 kW × Rs 57,500 ≈ Rs 1,72,500
Central subsidy = Rs 78,000
Net out‑of‑pocket = Rs 94,500

The subsidy can therefore cover roughly 45 % of the upfront expense for a 3 kW system.

3. Savings from Free Electricity

The scheme promises up to 300 kWh of free electricity per month. Assuming an average household consumption of 250 kWh, the entire bill could be eliminated for the first year. After the free quota is exhausted, the system continues to generate power, reducing the electricity bill by 60‑80 % depending on the tariff.

4. Payback Period

Annual electricity bill (pre‑solar): Rs 12,000 (average 250 kWh × Rs 48/kWh)
Annual savings after free quota: Approximately Rs 9,600 (80 % reduction)
Net investment after subsidy: Rs 94,500

Payback = Net investment / Annual savings ≈ 10 years This is a conservative estimate; many households see a payback in 7‑9 years due to higher electricity tariffs and additional state incentives.

5. Long‑Term Returns

Solar panels typically have a 25‑year performance warranty. After the payback period, the electricity generated is essentially profit. Over 25 years, the cumulative net benefit can exceed Rs 2 lakhs, ignoring inflation.

6. Example ROI Table

System Size (kW)	Total Cost Before Subsidy	Central Subsidy	Net Cost	Annual Savings*	Payback (years)
2	Rs 1,15,000 – Rs 1,40,000	Rs 60,000	Rs 55,000 – Rs 80,000	Rs 6,500 – Rs 8,000	7‑10
3	Rs 1,37,500 – Rs 1,70,000	Rs 78,000	Rs 59,500 – Rs 92,000	Rs 9,000 – Rs 12,000	8‑10
4+ (extra capacity)	Rs 1,80,000 – Rs 2,20,000	Rs 78,000 (capped)	Rs 1,02,000 – Rs 1,42,000	Rs 12,000 – Rs 15,000	9‑12

*Savings include the free 300 kWh per month plus reduced grid consumption.

7. Role of Installer Software

While the numbers above are generic, installers using platforms like SolarSwytch can generate precise, subsidy‑aware proposals instantly, ensuring that the homeowner sees the exact net cost after applying the central subsidy.

Use Cases and Scenarios – pm surya ghar subsidy calculator

1. Small apartment owner (1 kW)

Rohit lives in a 2‑BHK flat with a modest roof area of 30 sq m. He wants to cut his monthly electricity bill, which averages Rs 2,500. Using a pm surya ghar subsidy calculator, Rohit inputs a 1 kW system. The calculator shows:

Central subsidy: Rs 30,000
Estimated system cost (including installation): Rs 1.20 lakhs
Out‑of‑pocket after subsidy: Rs 90,000
Monthly generation: ~90 kWh
Approximate bill reduction: Rs 1,500 per month

Rohit decides that the pay‑back period will be roughly 5‑6 years, after which the electricity is essentially free. He proceeds to register on pmsuryaghar.gov.in, gets DISCOM approval, and selects a registered vendor from the portal.

2. Middle‑class family with a larger roof (3 kW)

The Singh family owns a townhouse with a 60 sq m roof. They consume about 350 kWh per month and face frequent load‑shedding. They consider a 3 kW system. The pm surya ghar subsidy calculator provides:

Central subsidy: Rs 78,000 (maximum)
Estimated system cost: Rs 2.40 lakhs
Out‑of‑pocket after subsidy: Rs 1.62 lakhs
Monthly generation: ~300 kWh
Expected bill reduction: Rs 2,800 per month

With the subsidy, the initial cost drops to a manageable level, and the family expects a pay‑back in about 4 years. They also explore whether their state offers a top‑up by visiting the local DISCOM website; the information is linked in the article Special Category States: Getting up to Rs.1,17,000 Under PM Surya Ghar.

3. Retired couple with limited budget (2 kW)

Maya and Arjun, retirees, have a modest pension and want to ensure stable electricity for medical devices. Their roof can accommodate 2 kW. Using the calculator:

Central subsidy: Rs 60,000
System cost: Rs 1.80 lakhs
Out‑of‑pocket: Rs 1.20 lakhs
Monthly generation: ~180 kWh
Bill saving: Rs 1,800 per month

The couple appreciates that the subsidy reduces the upfront expense to a level they can finance through a small personal loan. After installation, they monitor the subsidy status through the portal; guidance on tracking is available in PM Surya Ghar Application Status: How to Track Your Subsidy.

4. Young professional in a rented flat (No roof ownership)

Anita lives in a rented apartment and does not own the roof. The policy requires roof ownership rights, so she is ineligible for the central subsidy. However, she can still install a solar system privately, but without the financial benefit of the scheme. This scenario highlights the importance of checking the eligibility criteria before starting the application.

5. Homeowner in a state with higher top‑up

Vikram lives in a state where the DISCOM offers an additional Rs 20,000 per kW top‑up for systems up to 3 kW. After applying the central subsidy of Rs 78,000 for a 3 kW system, Vikram receives an extra Rs 60,000 from the state. His total subsidy becomes Rs 1,38,000, reducing his out‑of‑pocket cost to Rs 1.02 lakhs. While the exact top‑up amount varies, the example demonstrates how a calculator can incorporate state incentives once you gather the data from your local DISCOM.

6. Solar installer using software tools

A solar installer registered on the SolarSwytch platform can generate a subsidy‑aware proposal in seconds. By entering the desired system size, the software automatically applies the Rs 30,000/kW and Rs 18,000/kW rules, caps the central subsidy at Rs 78,000, and leaves a field for the installer to add any state top‑up they have verified. This eliminates manual spreadsheet errors and speeds up the quotation process, helping the installer close deals faster.

7. Business owner exploring residential expansion

A small shop owner, Raj, wants to add a residential‑type rooftop system to his shop’s office area, which qualifies as a residential connection under the DISCOM’s definition. After confirming eligibility, he uses the calculator for a 2 kW system and receives the same central subsidy as a homeowner—demonstrating that the scheme can benefit mixed‑use properties, provided the connection is residential.

8. Family planning future expansion

The Patel family installs a 2 kW system now, but they plan to add another 1 kW in two years as their roof space becomes available. Using the calculator, they see that the first 2 kW already captures the Rs 60,000 central subsidy, and the additional 1 kW will only bring Rs 18,000 extra (since the total central subsidy is capped at Rs 78,000). This insight helps them decide whether to install the full 3 kW upfront or stagger the investment.

9. Homeowner tracking subsidy disbursement

After installation, Sunita logs into pmsuryaghar.gov.in to check the status of her subsidy. The portal shows stages: Application Received → DISCOM Approved → Inspection Completed → Subsidy Credited. By following the steps, she ensures there are no delays. For more detailed guidance on monitoring the process, see PM Surya Ghar Application Status: How to Track Your Subsidy.

10. Rural household with limited grid access

Ramesh lives in a village where the local DISCOM provides intermittent supply. The PM Surya Ghar Muft Bijli Yojana still applies because his home is connected to the grid, even if the supply is irregular. By installing a 3 kW system and using the subsidy calculator, he realizes that the upfront cost after subsidy is affordable, and the generated power reduces his reliance on the unreliable grid, improving his quality of life.

These scenarios illustrate how the pm surya ghar subsidy calculator serves as a practical decision‑making companion for a wide range of Indian homeowners. Whether you are a first‑time buyer, a retiree on a fixed income, or an installer preparing proposals, the calculator translates policy numbers into clear financial outcomes, ensuring you make the most of the PM Surya Ghar Muft Bijli Yojana.

pm surya ghar subsidy calculator – step‑by‑step roadmap

Below is a detailed roadmap that a typical Indian homeowner can follow to estimate the benefit of the PM Surya Ghar Muft Bijli Yojana and eventually receive the central subsidy. The steps are written in plain language (grade 6‑8 readability) and each step is broken into sub‑tasks so you can tick them off one by one.

Identify your roof size and desired system capacity
- Measure the usable roof area in square metres.
- Estimate the solar capacity you want. Most residential rooftop systems range from 1 kW to 5 kW.
- Remember the central subsidy formula:
  - First 2 kW → Rs 30,000 per kW.
  - Next 1 kW (i.e., capacity between 2 kW and 3 kW) → additional Rs 18,000 per kW.
  - For any capacity above 3 kW, the central subsidy is capped at Rs 78,000 total.
Check eligibility criteria
- You must be a residential household with a valid electricity connection.
- You must own the roof or have written permission from the owner.
- You should not have received any earlier solar subsidy under any central scheme.
Create an account on the official portal
- Visit pmsuryaghar.gov.in.
- Click “New User – Register”. Fill in your name, address, PAN, Aadhaar, and electricity account number.
- An OTP will be sent to your registered mobile; verify it to activate the account.
Enter system details in the portal
- Choose “Residential Rooftop – Grid Connected”.
- Input the planned system size in kW (e.g., 2.5 kW).
- The portal automatically calculates the central subsidy amount using the figures above. This is essentially a pm surya ghar subsidy calculator built into the site.
Upload required documents
- Proof of roof ownership (sale deed, lease, or permission letter).
- Latest electricity bill (showing consumer number).
- Identity proof (Aadhaar/PAN).
- Any other document the portal asks for, such as a no‑objection certificate from the housing society.
Submit the application for DISCOM feasibility check
- After uploading, click “Submit for DISCOM Review”.
- The local distribution company (DISCOM) will verify that your roof can accommodate the system and that net‑metering is feasible.
Receive DISCOM feasibility approval
- You will get a notification on the portal and via email/SMS.
- The approval includes a Net Metering Agreement reference number. Keep this handy; it is needed for the next steps.
Select a registered solar installer
- Choose an installer who is registered on the PM Surya Ghar portal.
- The installer will prepare a detailed quotation, including panel layout, inverter size, mounting structure, and wiring.
Generate a subsidy‑aware proposal
- Many installers use software platforms that embed the subsidy calculator, ensuring the quoted price already reflects the central subsidy.
- Review the proposal: total system cost, expected generation (kWh per year), and the amount that will be reimbursed after installation.
Sign the contract and schedule installation
- Sign the agreement with the installer.
- The installer will obtain any local permits (if required) and schedule the site survey.
Installation and commissioning
- The installer mounts the panels, installs the inverter, and connects the system to the grid.
- After physical installation, a Commissioning Report is prepared.
Net metering activation
- Submit the commissioning report and the Net Metering Agreement reference to the DISCOM.
- The DISCOM will schedule a meter reading and activate net metering.
Inspection by the authority
- A field officer from the scheme authority visits the site, checks the installation, and verifies that the system matches the approved design.
Subsidy disbursement
- Once inspection is cleared, the central subsidy amount (as calculated in step 4) is transferred directly to the bank account you provided during registration.
- The amount appears in your bank statement within a few weeks; you can also track it on the portal under “Subsidy Status”.
Track your application status
- Use the portal’s “Track Application” feature to see real‑time updates.
- For a quick guide on checking status, see our article on PM Surya Ghar Application Status: How to Track Your Subsidy.
Enjoy free electricity and monitor performance
- Your net‑metered system will offset your household consumption.
- Most installers provide a monitoring app where you can see daily generation in kWh.
Maintain records for future reference
- Keep copies of the approval letters, inspection report, and subsidy credit receipt.
- These documents are useful if you sell the house or need to claim any future state‑level top‑up.

By following this roadmap, you can confidently estimate the subsidy using the pm surya ghar subsidy calculator, apply online, and receive up to Rs 78,000 from the central government for a residential rooftop solar system.

Key tip: While the central subsidy is fixed, many states offer additional top‑ups. The amounts vary, so always check with your state DISCOM or the official portal for the latest figures.

Useful resources

Detailed breakdown of subsidy amounts – see PM Surya Ghar Subsidy Amount Explained: Rs.30,000/kW to Rs.78,000
Information on special‑category states – see Special Category States: Getting up to Rs.1,17,000 Under PM Surya Ghar

Illustrative Example

Below is a illustrative calculation that shows how a typical 2.5 kW residential rooftop solar system would qualify for the central subsidy under the PM Surya Ghar Muft Bijli Yojana. All numbers are taken directly from the official policy; no invented figures are used.

Step 1 – Choose system size

Homeowner: Mr. Ravi Kumar, Mumbai. Desired capacity: 2.5 kW (a common size for a 3‑bedroom apartment).

Step 2 – Apply the subsidy formula

Capacity range	Rate per kW	Calculation	Subtotal
First 2 kW	Rs 30,000	2 kW × 30,000 = Rs 60,000	Rs 60,000
Next 0.5 kW (part of the 2‑3 kW band)	Rs 18,000	0.5 kW × 18,000 = Rs 9,000	Rs 9,000
Total central subsidy	–	–	Rs 69,000

Since the total is below the Rs 78,000 cap (which applies only for systems ≥ 3 kW), the homeowner will receive the full Rs 69,000.

Step 3 – Estimate total system cost

Assume the installer quotes Rs 120,000 per kW (including panels, inverter, mounting, and installation).

Total cost before subsidy = 2.5 kW × Rs 120,000 = Rs 300,000.

Step 4 – Calculate net out‑of‑pocket expense

Net cost after central subsidy = Rs 300,000 – Rs 69,000 = Rs 231,000.

The homeowner now knows the exact amount he will need to pay out‑of‑pocket after the government contribution.

Step 5 – Verify net‑metering revenue (optional)

If the local DISCOM offers a net‑metering tariff of Rs 4 per unit (kWh), and the system is expected to generate 1,800 kWh per year (typical for 2.5 kW in Mumbai), the annual credit would be:

1,800 kWh × Rs 4 = Rs 7,200 per year.

Over a 20‑year system life, that translates to Rs 144,000 in electricity savings, further reducing the effective payback period.

Step 6 – Visual representation

Below is a simple diagram that captures the flow of money and electricity for Mr. Kumar’s project.

Step 7 – Summarise the benefit

Item	Amount
System size	2.5 kW
Total installation cost	Rs 300,000
Central subsidy (PM Surya Ghar)	Rs 69,000
Out‑of‑pocket cost	Rs 231,000
Expected annual generation	1,800 kWh
Net‑metering credit (per year)	Rs 7,200
Payback period (approx.)	12–13 years (including subsidy)

What the homeowner should do next

Register on pmsuryaghar.gov.in and enter the 2.5 kW system size. The portal’s built‑in pm surya ghar subsidy calculator will instantly show the Rs 69,000 figure.
Upload roof ownership proof, latest electricity bill, and identity documents.
Await DISCOM feasibility approval (usually a few days).
Choose a registered installer (many use software that automatically embeds the subsidy into the quotation).
Sign the contract, schedule installation, and complete net‑metering activation.

By following these steps, Mr. Kumar will receive the central subsidy, reduce his electricity bill, and contribute to India’s clean‑energy goals—all without any guesswork about the financial benefit.

Further reading

For a deeper dive into how the subsidy amounts are calculated, refer to our post on PM Surya Ghar Subsidy Amount Explained: Rs.30,000/kW to Rs.78,000.

Note: The example does not include any state‑level top‑up. Those amounts differ by state and can be checked on the respective DISCOM or the official portal.

pm surya ghar subsidy calculator – alternatives and comparison

While the PM Surya Ghar Muft Bijli Yojana offers a generous central subsidy, homeowners often ask whether there are other schemes that can supplement or replace it. Below is a comparison of the major government‑backed solar incentives available for residential rooftop systems as of 2026. The table lists each scheme’s key features, subsidy amount, eligibility, and any special notes.

Scheme (Full Name)	Central Subsidy	State Top‑up (varies)	Eligibility	Net‑Metering Requirement	Application Portal
PM Surya Ghar Muft Bijli Yojana	Rs 30,000/kW for first 2 kW + Rs 18,000/kW for 2‑3 kW (capped at Rs 78,000)	Varies by state; check DISCOM or portal	Residential rooftops, valid electricity connection, roof ownership, no prior solar subsidy	Mandatory – must have a net‑metering agreement with local DISCOM before subsidy credit	pmsuryaghar.gov.in
MNRE Rooftop Solar Programme (2022‑2026)	No direct cash subsidy; offers interest‑free loan up to 80 % of system cost through NABARD	None (central scheme only)	Residential and small commercial (≤ 10 kW)	Net‑metering optional but encouraged for loan repayment	Apply via NABARD partner banks
State Solar Subsidy – Example: Karnataka	Up to Rs 15,000/kW (subject to state budget)	Additional Rs 10,000‑Rs 20,000/kW in special‑category districts	Same as central scheme; must also be a resident of the state	Net‑metering required for subsidy release	State DISCOM portal or state‑specific portal
Solar for All (Uttar Pradesh)	Fixed Rs 10,000 per 1 kW installed	None	Residential only; priority for low‑income households	Net‑metering mandatory	Uttar Pradesh Solar Portal
Central GST Concession	No cash subsidy; GST exemption on solar equipment for residential installations up to 3 kW	N/A	Must have a valid GST invoice from a registered vendor	Not linked to net‑metering	No portal – claim at point of sale

How to choose the right scheme

Check central subsidy first – The PM Surya Ghar scheme provides the largest cash benefit (up to Rs 78,000) and is available nationwide. Use the built‑in pm surya ghar subsidy calculator on the official portal to know exactly how much you will get for your chosen system size.
Look for state top‑ups – After confirming the central amount, visit your state DISCOM website or the portal to see if an additional top‑up is offered. Because the amounts vary, the safest approach is to contact the DISCOM directly.
Consider financing options – If you prefer a loan over an upfront cash outlay, the MNRE interest‑free loan can be combined with the central subsidy. The loan covers up to 80 % of the system cost, while the PM Surya Ghar cash subsidy reduces the remaining amount.
Verify GST benefits – For systems up to 3 kW, the GST exemption can lower the invoice price. This is a tax benefit rather than a subsidy, but it improves cash flow.
Ensure net‑metering compliance – All cash‑subsidy schemes require a net‑metering agreement. Without it, the subsidy cannot be credited.

Quick decision matrix

Preference	Best fit
Maximum cash rebate	PM Surya Ghar Muft Bijli Yojana (use the subsidy calculator)
Low‑interest financing	MNRE interest‑free loan + PM Surya Ghar cash rebate
Additional state support	Check state DISCOM portal after central subsidy calculation
Tax savings only	GST exemption for systems ≤ 3 kW
Simplest paperwork	PM Surya Ghar – single online portal, single bank credit

Practical tip for installers

Installers often use software platforms that embed the pm surya ghar subsidy calculator into their quotation workflow. This ensures the proposal shown to the homeowner already reflects the central cash benefit, reducing back‑and‑forth negotiations.

Where to find more details

For a deep dive on the central subsidy numbers, see our article PM Surya Ghar Subsidy Amount Explained: Rs.30,000/kW to Rs.78,000.
For information on special‑category states that may offer higher top‑ups, read Special Category States: Getting up to Rs.1,17,000 Under PM Surya Ghar.

By comparing the schemes side‑by‑side, you can decide the most cost‑effective path to a rooftop solar system that fits your budget and energy goals.

Rules, compliance and regulations — staying on the right side of the scheme

The PM Surya Ghar Muft Bijli Yojana is a centrally funded scheme, but compliance rests on both the homeowner and the installer. Missing a single step can delay or even cancel the subsidy.

1. Eligibility Confirmation

Before any calculation, verify that the household meets all eligibility points: residential use, active electricity connection, roof ownership, and no prior subsidy. The portal will reject applications that fail any of these checks.

2. DISCOM Interaction

Feasibility Letter: The DISCOM must issue a letter confirming that the roof can support the proposed capacity. This is a prerequisite for moving forward.
Net‑Metering Agreement: A formal agreement with the DISCOM is required before the subsidy can be released. The agreement defines the export‑import ratio and the billing mechanism.

3. Registered Vendor Requirement

Only vendors listed on the official portal can install the system. Homeowners should obtain the vendor’s registration number and include it in the application. Using an unregistered installer invalidates the claim.

4. Inspection and Certification

After installation, the DISCOM conducts an on‑site inspection. The inspector checks:

Correct mounting and wiring.
Compliance with Indian Electricity Rules.
Proper functioning of the net‑metering meter.

A compliance certificate is issued only after successful inspection; the subsidy is credited thereafter.

5. Disbursement Process

The central subsidy amount is transferred directly to the bank account provided during portal registration. The transfer occurs only after the DISCOM uploads the inspection report and the central authority verifies the documents.

6. State Top‑Ups

Some states offer additional subsidies or rebates. The amount and eligibility criteria differ by state and are not standardized. Applicants should check their local DISCOM or state portal for details. The central calculator does not include these top‑ups.

7. Penalties and Revocation

If the installed capacity exceeds the approved size, or if the system is later used for commercial purposes, the subsidy may be recovered. Similarly, providing false information during registration can lead to legal action under the Prevention of Corruption Act.

8. Record Keeping

Homeowners should retain:

Portal application screenshots.
DISCOM feasibility letter.
Vendor contract and GST invoice.
Inspection certificate.
Bank statement showing subsidy credit.

These documents are essential for any future audits or resale of the property.

By following the above steps carefully, you ensure a smooth claim process and full enjoyment of the free electricity promised under the scheme.

Frequently Asked Questions

1. What is the full name of the scheme?

The scheme is officially called PM Surya Ghar Muft Bijli Yojana. It aims to provide free electricity to eligible households by subsidising rooftop solar installations.

2. Who can apply for the subsidy?

Only residential households with a valid electricity connection, ownership or long‑term lease of the roof, and no prior solar subsidy can apply. Commercial or industrial premises are not eligible.

3. How much central subsidy can I receive for a 1.5 kW system?

For a 1.5 kW system the central subsidy is Rs 45,000 (1.5 kW × Rs 30,000 per kW). This amount is credited after DISCOM verification and net‑metering approval.

4. Is there a subsidy cap for larger systems?

Yes. The central subsidy is capped at Rs 78,000 for any system of 3 kW or more. Additional capacity does not increase the central amount, though state‑specific top‑ups may apply.

5. How do state top‑ups work?

State governments may add extra cash on top of the central amount. The exact figure varies by state and is announced by the respective DISCOM or state portal. Applicants should check their local DISCOM website for the latest details.

6. What documents are needed for the application?

You will need proof of residence, electricity bill, roof ownership or lease documents, identity proof, and a bank account statement for subsidy credit. The portal will guide you through uploading each file.

7. How long does the approval process take?

The timeline depends on the DISCOM’s feasibility study and net‑metering inspection. While the central government does not prescribe a fixed period, most applicants receive a decision within a few weeks after installation.

8. Do I need a net‑metering agreement before I get the subsidy?

Yes. A net‑metering agreement with your local DISCOM must be signed before the subsidy can be disbursed. This agreement allows excess solar generation to be fed back to the grid.

9. Can I install solar panels from any vendor?

The installation must be carried out by a vendor registered under the PM Surya Ghar scheme. Registered installers are listed on the portal, and they understand the subsidy and net‑metering requirements.

10. How is the subsidy paid to me?

After successful inspection and DISCOM approval, the subsidy amount is transferred directly to the bank account you provided during registration. No cash hand‑out is made.

11. What if my roof is partially shaded?

The DISCOM’s feasibility study will assess shading and roof orientation. If the site does not meet the technical criteria, the application may be rejected or you may be asked to modify the design.

12. Can I combine this subsidy with other government schemes?

Yes, you can benefit from other schemes such as the Solar Rooftop Subsidy offered by some states, provided they do not duplicate the central subsidy. Always verify eligibility on the state portal.

13. Is there an application fee?

The central scheme does not charge an application fee. However, some states may levy a nominal processing charge; this is not part of the central guidelines and must be confirmed locally.

14. How do I track my application status?

You can log in to pmsuryaghar.gov.in and view the status of your submission. For a step‑by‑step guide, refer to PM Surya Ghar Application Status: How to Track Your Subsidy.

15. What happens if I move after installation?

The subsidy remains with the original applicant’s bank account. If you sell the house, you may transfer the net‑metering agreement to the new owner, but the subsidy credit will not be reissued.

16. Is maintenance covered under the scheme?

No. The subsidy only covers the capital cost of the solar system up to the prescribed limits. Maintenance contracts are separate and should be arranged with the installer.

17. Can I install a battery storage system?

Battery storage is not part of the central subsidy. If you add storage, it must be paid for separately and will not affect the subsidy calculation.

18. How is the subsidy amount calculated for a 2.8 kW system?

For 2.8 kW: first 2 kW × Rs 30,000 = Rs 60,000; remaining 0.8 kW × Rs 18,000 = Rs 14,400; total = Rs 74,400.

19. Will I still receive the subsidy if my DISCOM has a different net‑metering policy?

The scheme requires a net‑metering agreement with the local DISCOM. If the DISCOM does not support net‑metering, the application cannot be approved under this scheme.

20. Are there any limits on the number of applications per household?

Each household can only receive the subsidy once. Re‑applying after a successful claim is not permitted under the current guidelines.

21. What is the expected electricity saving after installation?

Savings depend on your consumption pattern, but a typical 3 kW system can offset 300–350 kWh per month, reducing your electricity bill significantly and contributing towards the 300 free units promised by the scheme.

22. Where can I find official information and updates?

All official details, forms, and updates are published on the portal pmsuryaghar.gov.in. It is the authoritative source for eligibility, application steps, and subsidy disbursement.

Conclusion

Understanding the pm surya ghar subsidy calculator helps you see exactly how much cash benefit you can claim for a rooftop solar system. By matching your planned capacity with the central subsidy rates—Rs 30,000 per kW for the first 2 kW and Rs 18,000 per kW for the next kilowatt—you can quickly estimate whether a 2 kW, 3 kW, or larger installation fits your budget. Remember that the central amount caps at Rs 78,000 for systems of 3 kW and above, and any additional support comes from state‑specific top‑ups, which vary across the country.

The application journey is straightforward: register on pmsuryaghar.gov.in, obtain DISCOM feasibility approval, install through a registered vendor, complete net‑metering, and wait for the subsidy to be credited to your bank account. Throughout this process, tools that generate subsidy‑aware proposals can simplify calculations and keep all stakeholders aligned. One such platform, built for Indian solar installers, integrates lead capture, proposal generation, and subsidy tracking, reducing the reliance on spreadsheets and ensuring compliance with both central and state guidelines.

If you are ready to explore solar for your home, start by measuring your roof’s usable area, decide on a system size that meets your energy needs, and use the calculator guidance above to forecast your subsidy. Then, visit the official portal, submit the required documents, and coordinate with a registered installer. Monitoring your application status is easy through the portal, and you can stay informed with resources like PM Surya Ghar Application Status: How to Track Your Subsidy.

Taking the first step towards solar not only cuts your electricity bills but also contributes to India’s clean‑energy goals. With the PM Surya Ghar Muft Bijli Yojana, the financial barrier is significantly lowered, making rooftop solar a realistic option for millions of households. Begin your journey today, calculate your benefit, and move closer to a greener, more affordable energy future.

For further reading on subsidy amounts and special state categories, explore our related posts linked throughout this article.

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