PM Surya Ghar subsidy by system size, net cost, units generated and payback years
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.PM Surya Ghar pays ₹30,000 per kW for the first 2 kW of a home rooftop system and ₹18,000 for the third, capped at ₹78,000. Special category states get ₹33,000 and ₹19,800. Enter the system size, the quote, your tariff and monthly use to see the net cost, yearly savings and payback years.
Rates and rules read from the sources listed on this page (the earliest on 30 Oct 2026); they may have changed since.
Choose "Most states" or "Special category" under "State".
Enter "Panel capacity (DC)" in kW and the "System cost (your quote)", or press "Use MNRE benchmark cost".
Set "Units your home uses a month", "Your tariff per unit" and "Paid per exported unit" from your bill.
Read the estimated "Central subsidy (CFA)", the net cost after subsidy and the "Payback" years.
Press "Share result" to copy a link with these inputs.
This calculator works out the central subsidy a household receives for a grid-connected rooftop solar system under PM Surya Ghar: Muft Bijli Yojana, and then how long the rest of the cost takes to recover from lower electricity bills.
The subsidy is fixed in rupees, not a share of your price. The Ministry of New and Renewable Energy's operational guidelines (Office Memorandum of 7 June 2024, para 5(h)) set the central financial assistance at ₹30,000 per kW for the first 2 kW and ₹18,000 per kW for the next 1 kW, with nothing more above 3 kW. Part of a kW counts pro rata, so 2.5 kW earns ₹69,000. In the special category states and UTs, which are Uttarakhand, Himachal Pradesh, Jammu and Kashmir, Ladakh, the North-East including Sikkim, Andaman and Nicobar, and Lakshadweep, the rates are ₹33,000 and ₹19,800. The size that counts is the DC capacity of the panels, not the inverter.
Savings depend on figures only you have. The quote comes from your vendor; the starting figure is MNRE's benchmark cost of ₹1,45,000 for 3 kW. Generation starts at 1,200 units per kW a year, from the government's statement that a 3 kW system makes more than 300 units a month; sunny western states often do better, hill states worse. Units your home uses save your full tariff. Surplus units exported to the grid earn only what your DISCOM pays under your state's net-metering or net-billing rules, which is usually less, so it is a separate box.
Payback is the net cost after subsidy divided by the yearly saving.
The calculator does not include state top-up subsidies, the group housing (RWA) subsidy, loan interest, panel wear over the years, maintenance, or future tariff changes. Apply and check your eligibility on the national portal, pmsuryaghar.gov.in.
A 3 kW home system gets ₹78,000 of central subsidy in most states: ₹30,000 for each of the first 2 kW and ₹18,000 for the third. In special category states and UTs the same system gets ₹85,800. Anything above 3 kW receives no extra central subsidy, though some states add their own.
MNRE's guidelines name Uttarakhand, Himachal Pradesh, Jammu and Kashmir, Ladakh, the North-Eastern states including Sikkim, and the UTs of Andaman and Nicobar and Lakshadweep. Households there receive ₹33,000 per kW for the first 2 kW and ₹19,800 for the third, about 10% more than elsewhere.
Around 1,200 units a year is a fair Indian average, which is the figure behind the government's statement that 3 kW makes more than 300 units a month. Output is higher in Rajasthan and Gujarat, lower in hill and cloudy states, and falls with shade or dust. Change the generation box to suit your roof.
Panel size. The guidelines say the subsidy follows the rated DC capacity of the solar modules, whatever the inverter rating. A 3.3 kW panel array on a 3 kW inverter is paid as 3 kW because of the cap, and a 2.5 kW array on a 3 kW inverter is paid as 2.5 kW.
Units your home uses replace units you would have bought at your full tariff. Surplus units sent to the grid are settled under your state commission's net-metering or net-billing order, often at a lower rate. Enter the rate on your DISCOM's order in the export box; the calculator values each kind of unit separately.
Payback here is the net cost divided by the first year's saving. State top-up subsidies, loan interest, cleaning and repairs, the slow drop in panel output over the years and any change in tariffs are all left out. Treat the figure as a first estimate and compare it against more than one vendor quote.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Solar Rooftop Subsidy Calculator and anybody who knows can answer. No account needed.
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