PM Surya Ghar Muft Bijli Yojana 2026: Solar Subsidy, Apply Online & ROI

पीएम सूर्य घर मुफ्त बिजली योजना 2026: सब्सिडी, आवेदन और बचत

Quick facts: Up to 300 free units/month via rooftop solar · subsidy up to ₹78,000 (3 kW system) · loans up to ₹2 lakh at 7% · apply at pmsuryaghar.gov.in · target 1 crore households · payback typically 3-6 years.

Launched on 15 February 2024 with an outlay of ₹75,000 crore, the PM Surya Ghar Muft Bijli Yojana offers Indian homeowners a massive subsidy to install rooftop solar — enough to make a 2-3 kW system nearly free after subsidy. In return, a typical household generates enough electricity to zero out their bill for most months. The scheme aims to enable rooftop solar on 1 crore homes within 3 years, making Indian households producers (not just consumers) of electricity.

PM Surya Ghar क्या है — How the Scheme Works

Instead of a direct cash benefit, the scheme subsidises the installation of a rooftop solar PV system on your home. Once installed:

Your solar panels generate electricity during daylight → consumed by your appliances first
Surplus power flows back to the grid via net metering → DISCOM credits this against your future bill
If you generate more than you consume, the DISCOM pays you at a notified rate

Over a year, a 2 kW system typically generates 240-280 units/month — enough to cover a mid-sized family’s consumption.

सब्सिडी Structure — How Much You Get

Subsidy is tiered by system size:

Monthly electricity use	Suggested system	Central subsidy
0-150 units	1-2 kW	₹30,000 – ₹60,000
150-300 units	2-3 kW	₹60,000 – ₹78,000
Above 300 units	3+ kW	₹78,000 (capped; no additional subsidy beyond 3 kW)

Subsidy formula: – ₹30,000 per kW for the first 2 kW – ₹18,000 per kW for the third kW – No subsidy beyond 3 kW

Maximum central subsidy = ₹78,000 (on a 3 kW system)

Several states add their own top-up subsidy on top of this — e.g. Andhra Pradesh, Gujarat, and Rajasthan add 15-30% of the system cost. Check your DISCOM’s rebate portal.

पात्रता — Who Qualifies

Any Indian household with a valid electricity connection
Owner of a residential building with a rooftop suitable for solar (at least ~100 sq ft available per 1 kW — check during feasibility)
Must have a savings bank account (for subsidy credit)
Aadhaar card mandatory for e-KYC

No income cap. Both apartment owners (with DISCOM’s permission for the society roof) and independent-home owners are eligible, though the independent-home case is simpler.

आवश्यक दस्तावेज़ — Documents Required

Latest electricity bill (past 6 months showing the account holder)
Aadhaar card
Bank account passbook (for subsidy DBT)
Roof photograph (usually 2-3 angles showing available space)
Consent of co-owners if the house is jointly owned (auto-collected via portal for apartment societies)

No separate property-tax or occupancy documents needed if DISCOM electricity bill is in your name.

आवेदन कैसे करें — Apply Online (Step-by-Step)

Open https://pmsuryaghar.gov.in in a browser
Click “Apply for Rooftop Solar”
Register with your state, DISCOM, and consumer account number (from your electricity bill)
Provide Aadhaar OTP for e-KYC
Fill the application: roof area, electricity consumption, preferred system size
Select a vendor from the empanelled list (filtered by your pincode — usually 5-15 options)
Vendor contacts you → site survey → quote → agreement
You pay the vendor the net amount after subsidy (e.g., ₹1.2 lakh for a ₹2 lakh system with ₹78K subsidy minus the state top-up)
Installation happens over 2-4 weeks
DISCOM conducts final inspection → issues net-meter + commissioning certificate
Subsidy credited to your bank account within 30 days of commissioning
You can now see real-time generation on the PM Surya Ghar app

Loan Option

If you can’t pay the net amount upfront, banks partnered under the scheme offer:

Loan amount: up to ₹2,00,000 (for 3 kW system)
Interest rate: ~7% per annum (effective, after subvention)
Tenure: up to 10 years
Collateral: none (backed by central guarantee)

Banks offering these loans include SBI, Canara, BoB, PNB, Indian Bank, Bank of India, and others — list is on pmsuryaghar.gov.in.

Expected ROI and Payback

For a typical 3 kW system in a sunny state (Gujarat, Maharashtra, Rajasthan, TN):

Metric	Value
Total system cost	~₹1.80 lakh
Central subsidy	₹78,000
State top-up (if applicable)	₹0-40,000
Your net cost	~₹0.60-1.00 lakh
Annual generation	3,500-4,200 units
Annual saving on electricity bill	~₹25,000-40,000
Payback period	3-6 years
System lifetime	25 years (panels degrade ~0.5%/year)

Over 25 years, a typical household saves ₹6-10 lakh in electricity — net of the initial investment.

Post-Commissioning Support

Panel warranty: 25 years (standard, included)
Inverter warranty: 5-10 years (varies by vendor)
Mandatory AMC: optional but recommended; ~₹2,000/year
Net-metering disputes: raise on the DISCOM’s own portal, escalate to the SERC if unresolved

FAQ — Common Questions

Is my roof suitable for solar? Generally, if you have about 100 sq ft of unshaded roof per 1 kW, yes. Flat roofs are easiest; sloped roofs also work. The vendor’s site survey confirms.

What happens if I generate more than I consume? Your DISCOM credits the excess in units against future bills (net metering) or pays you at the feed-in tariff rate (set by your SERC). Most homes in India see a small annual credit after 12 months of operation.

Will my electricity bill become zero instantly? Usually yes — within 1-2 billing cycles of commissioning. Most 3 kW system owners see their bill drop from ₹3,000-4,000/month to ₹200-500/month (fixed charges + minor usage outside solar hours).

Can apartment residents apply? Yes, with the society’s permission. The panels must be on the common roof, and the society decides unit-allocation of the generated electricity. Usually handled as a group application through the RWA.

What if my vendor disappears after installation? Raise a complaint on the PM Surya Ghar portal + write to your DISCOM. The panels themselves come with manufacturer warranty; only AMC and minor service may be at risk. Keep the installation documents safely.

Is there a deadline to apply? The scheme is open through FY 2026-27 with the 1-crore-household target. Apply any time in that window; processing times are 45-90 days from application to subsidy credit.

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Last verified: 20 April 2026. Official source: https://pmsuryaghar.gov.in