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India Solar Calculator — PM Surya Ghar 2026

Enter your monthly electricity bill and state — get recommended system size, cost after PM Surya Ghar subsidy (up to ₹78,000), annual savings, and loan EMI.

Your home details
₹
sq ft
PM Surya Ghar — Your solar estimate
3 kW system recommended for your home
Recommended system size3.0 kW (based on bill)
Total cost before subsidy₹1.95 L
PM Surya Ghar subsidy- ₹78,000
Net cost after subsidy₹1.17 L
Monthly solar generation423 kWh/mo
Monthly electricity savings₹3,048/mo
Annual savings₹36,582/yr
Monthly EMI (8%, 5 yr)₹2,372/mo
Monthly net saving (savings - EMI)₹676/mo
Payback period3.2 years
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How to Use This Calculator

Enter your monthly electricity bill and state

Start with your average monthly electricity bill in rupees — check your last 3 months of bills and use the average. Select your state; each state has different DISCOM electricity rates and solar irradiance levels. Rajasthan and Gujarat have the highest solar potential; West Bengal and northeastern states have lower irradiance but still strong economics.

Set your roof area and system size

Enter usable south-facing roof area in square feet. Avoid shaded areas, water tanks, and service areas. A 1 kW solar system needs approximately 80-100 sq ft of roof space. The calculator will cap the system size at what your roof can accommodate. For PM Surya Ghar subsidy, 2-3 kW systems capture the highest subsidy per rupee of cost.

Choose cash or loan financing

Cash purchase gives the best long-term economics. Solar loans are available at 8-9% from nationalized banks under the PM Surya Ghar scheme — the monthly EMI is often lower than your current electricity bill, making solar cash-flow positive from Day 1. The calculator shows your monthly EMI and net monthly savings after EMI payments.

PM Surya Ghar Subsidy Structure

Subsidy for 1 kW system: ₹30,000 (₹30,000 × 1 kW) Subsidy for 2 kW system: ₹60,000 (₹30,000 × 2 kW) Subsidy for 3 kW system: ₹78,000 (₹60,000 + ₹18,000 × 1 kW) Subsidy for 4+ kW system: ₹78,000 (capped) Solar Generation (kWh/day) = System kW × PSH × 0.80 Annual Generation = Daily kWh × 365 Annual Savings = Annual kWh × DISCOM Rate (₹/kWh) Net Cost = (System kW × 1000W × ₹65/W) − PM Surya Ghar Subsidy Payback = Net Cost ÷ Annual Savings EMI = Net Cost × r × (1+r)^60 ÷ ((1+r)^60 − 1) [r = 0.08/12]

The ₹65/W installed cost is an approximate 2026 market rate for residential rooftop solar in India — actual quotes vary from ₹55/W (Rajasthan/Gujarat with competition) to ₹80/W (remote areas, small systems). Always get 3+ quotes from MNRE-empanelled installers. The 0.80 performance ratio accounts for inverter losses, wiring losses, dust soiling, and temperature derating typical for Indian conditions.

Example

The Sharma family — 2BHK in Bengaluru, Karnataka

The Sharmas pay ₹3,000/month for electricity in their 2BHK apartment in Bengaluru. They have 300 sq ft of roof space and want to use the PM Surya Ghar scheme for a 3 kW system with a solar loan.

Monthly bill₹3,000
StateKarnataka (₹7.20/kWh, 5.8 PSH)
System size3 kW
FinancingSolar loan, 8%, 5 years

Result

Total cost before subsidy₹1,95,000 (3,000W × ₹65)
PM Surya Ghar subsidy₹78,000 (capped at 3 kW)
Net cost after subsidy₹1,17,000
Monthly solar generation~422 kWh/mo
Monthly savings~₹3,038/mo
Monthly EMI~₹2,367/mo
Monthly net saving+₹671/mo from Day 1
Payback (cash)~3.2 years

The Sharma family's solar system generates more electricity than they consume — excess units go back to the grid under net metering, earning them electricity credits. Their monthly EMI (₹2,367) is lower than their current bill (₹3,000), making them cash-flow positive immediately. After the 5-year loan is repaid, they save the full ₹3,000+/month — effectively free electricity for the remaining 20+ year system life.

FAQ

PM Surya Ghar: Muft Bijli Yojana (Free Electricity Scheme) is the Government of India's flagship rooftop solar program launched in 2024 with a budget of ₹75,021 crore. The scheme provides direct central subsidies of ₹30,000/kW for the first 2 kW and ₹18,000/kW for the third kW (capped at ₹78,000 total), plus subsidized loans through nationalized banks. The goal is to install rooftop solar on 10 million households, providing up to 300 units of free electricity per month to beneficiary families.
Apply online at pmsuryaghar.gov.in. You'll need: (1) Aadhaar number, (2) electricity consumer number, (3) bank account details for subsidy credit. After registering, your DISCOM will conduct a site feasibility check. Once approved, choose an MNRE-empanelled vendor from the portal, get the system installed, and submit net metering application. The subsidy is credited directly to your bank account after installation verification — typically within 30 days of commissioning.
As a rough guide: 1 kW for bills up to ₹1,000/month; 2 kW for ₹1,500-2,500/month (maximizes full subsidy rate of ₹30,000/kW); 3 kW for ₹2,500-4,000/month (captures maximum total subsidy of ₹78,000); 5 kW for ₹5,000-7,000/month; 10 kW for ₹9,000+/month. For subsidy optimization, note that the 2-3 kW range receives the highest government support — larger systems receive no additional subsidy beyond ₹78,000.
Net metering allows your solar system to export excess electricity back to the grid, earning bill credits. When your panels produce more than you consume (typically during 10am-4pm), the surplus flows to the grid and your meter runs backwards. At night and during low-sun periods, you draw from the grid, and these imports are offset against your exports. At the end of the month, you only pay for your net consumption. Under MNRE net metering regulations, systems up to 1 MW are eligible. Most DISCOMs credit at the retail tariff rate, making net metering highly valuable in high-tariff states like Maharashtra and Delhi.
Indian solar systems primarily need: (1) Panel cleaning — dust and bird droppings reduce output by 10-25%. Clean panels with water every 2-4 weeks in summer, monthly in monsoon. (2) Annual inspection — check wiring, connections, inverter performance. (3) Inverter monitoring — most inverters have apps that alert for faults. Annual maintenance contracts cost ₹3,000-8,000/year and are offered by most installers. Panels carry 25-year output warranties; inverters typically 5-10 years. Overall, rooftop solar requires minimal maintenance.

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