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PM Surya Ghar Subsidy Calculator

Enter your system size and state — get PM Surya Ghar subsidy amount (up to ₹78,000), net cost after subsidy, monthly savings, payback period, and loan EMI.

System details
kW
₹
sq ft
Financing
PM Surya Ghar subsidy estimate
₹78,000 subsidy on 3 kW system
Total cost before subsidy₹1,95,000
PM Surya Ghar subsidy−₹78,000
Net cost after subsidy₹1.17 L
Annual solar generation4,380 kWh/yr
Monthly units generated365 units/mo ✓ meets 300-unit target
Monthly electricity savings₹3,468/mo
Annual electricity savings₹41,610/yr
Payback without subsidy4.7 yrs
Payback with subsidy2.8 yrs
Roof area required300 sq ft ✓ sufficient
Eligibility Checklist
✓ Residential property (required)
✓ Grid-connected DISCOM connection (required)
✓ No previous PM Surya Ghar subsidy received
✓ Self-owned rooftop
Apply at: pmsuryaghar.gov.in
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How to Use This Calculator

Enter system size and your state

Enter your desired system size (1-10 kW). The PM Surya Ghar subsidy is tiered: ₹30,000/kW for the first 2 kW, then ₹18,000/kW for the third kW, capped at ₹78,000 total. This means a 3 kW system captures the maximum subsidy (₹78,000), while larger systems still only receive ₹78,000. Your state determines the electricity tariff, which directly affects your monthly savings and payback period.

Enter your monthly bill and roof area

Your monthly bill helps verify that the system size you've chosen matches your consumption. A 1 kW system generates roughly 100-130 units per month; a 3 kW system generates 300-390 units. The scheme's target is 300 free units per month for households — achieved with approximately 2.5-3 kW depending on your state. Roof area ensures you have sufficient shadow-free space (each kW requires ~100 sq ft).

Choose financing and read results

PM Surya Ghar provides subsidized loans through nationalized banks at 7-9% p.a. The calculator shows your monthly EMI, net monthly benefit (savings minus EMI), payback period with and without subsidy, and an eligibility checklist. The subsidy is credited to your bank account within 30 days of system commissioning and DISCOM net meter installation.

The Formula

Subsidy (1-2 kW) = System kW × ₹30,000 Subsidy (2-3 kW) = ₹60,000 + (kW − 2) × ₹18,000 Subsidy (>3 kW) = ₹78,000 (capped) Net Cost = (System kW × ₹65,000) − Subsidy Annual kWh = System kW × 5.0 PSH × 0.80 efficiency × 365 Monthly Savings = (Annual kWh ÷ 12) × State Tariff (₹/kWh) Payback = Net Cost ÷ Annual Savings EMI = Net Cost × [r(1+r)^n] ÷ [(1+r)^n − 1] where r = monthly rate, n = 180 months (15 years)

The installed cost of ₹65,000/kW is a national average — actual costs vary from ₹55,000/kW in Gujarat (competitive market) to ₹75,000/kW in northeastern states. The 5.0 PSH is India's national average; southern states (Tamil Nadu, Telangana) average 5.5-6.0 PSH, while northern states average 4.5-5.0 PSH. The 0.80 system efficiency accounts for inverter losses, wiring, and temperature derating.

Example

Priya — 3kW system in Maharashtra capturing maximum subsidy

Priya lives in Pune, Maharashtra and pays ₹2,500/month in electricity. She wants to know if a 3 kW rooftop system makes financial sense under PM Surya Ghar.

System size3 kW
StateMaharashtra (₹9.5/kWh)
Monthly bill₹2,500
FinancingCash

Result

Total cost before subsidy₹1,95,000
PM Surya Ghar subsidy₹78,000 (maximum)
Net cost after subsidy₹1,17,000
Monthly generation~365 units (exceeds 300-unit target)
Monthly savings₹3,467/mo
Annual savings₹41,604/yr
Payback without subsidy4.7 years
Payback with subsidy2.8 years

For Priya, the 3 kW system is an excellent investment. Maharashtra's high tariff of ₹9.5/kWh means her monthly savings (₹3,467) actually exceed her original bill (₹2,500), thanks to the system generating slightly more than she consumes with net metering credits. With a 2.8-year payback, she effectively gets 22+ years of free electricity after the payback period.

FAQ

PM Surya Ghar: Muft Bijli Yojana ("Free Electricity Scheme") is the Government of India's flagship rooftop solar program launched in February 2024 with a ₹75,021 crore budget. Its target is to install rooftop solar on 1 crore (10 million) households, providing up to 300 units of free electricity per month. The scheme provides central subsidies of ₹30,000/kW for the first 2 kW and ₹18,000/kW for the third kW (maximum ₹78,000), plus subsidized loans through nationalized banks at 7-9% per annum.
Apply online at pmsuryaghar.gov.in. The process: (1) Register with your Aadhaar number, electricity consumer number, and mobile number. (2) Select an MNRE-empanelled vendor from the portal. (3) DISCOM conducts a feasibility check (1-2 weeks). (4) Vendor installs the system. (5) DISCOM inspects and installs a net meter. (6) Submit commissioning certificate on the portal. (7) Subsidy is credited directly to your bank account within 30 days. The entire process typically takes 2-3 months.
General guidelines based on monthly bill: ₹500-1,000: 1 kW (generates ~120 units/month). ₹1,000-2,000: 2 kW (generates ~240 units/month, maximizes the ₹30,000/kW subsidy rate). ₹2,000-4,000: 3 kW (generates ~365 units/month, captures maximum ₹78,000 subsidy). ₹4,000-7,000: 5 kW. ₹7,000+: 8-10 kW. For most households, 3 kW is the optimal choice — it maximizes the subsidy percentage and achieves the 300 free units/month target.
Net metering allows your solar system to export excess electricity to the DISCOM grid and earn bill credits. When your panels produce more than you consume (typically midday), the surplus flows to the grid and your meter runs backward. At night or on cloudy days, you draw from the grid, and the exported credits offset those charges. Under MNRE regulations, residential systems up to 1 MW are eligible for net metering. Most DISCOMs credit exports at the retail tariff rate, effectively making your solar system a "bank" for electricity.
Indian conditions require more active maintenance than Western markets due to dust and pollution. Key tasks: (1) Panel cleaning every 2-4 weeks — dust reduces output by 10-25% in Hindi belt and metro areas; coastal areas benefit from rain. (2) Annual electrical inspection — check connections, earthing, and combiner boxes. (3) Inverter monitoring — track daily production via the monitoring app. Annual maintenance contracts (AMC) cost ₹3,000-8,000/year depending on system size. Panels carry 25-year output warranties; inverters 5-10 years. Most MNRE-empanelled vendors include 5-year free maintenance.

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