Solar Rooftop Subsidy Calculator (India 2026)
Enter your electricity bill and get your ideal system size, cost after PM Surya Ghar subsidy, monthly savings and payback period.
📊 Your Solar Estimate
Monthly units = Bill ÷ Tariff | System kW = Units ÷ (Gen/day × 30)
Net cost = (kW × ₹/kW) − subsidy | Payback = Net cost ÷ Annual savings
PM Surya Ghar Subsidy (2026)
The central government's PM Surya Ghar Muft Bijli Yojana gives residential rooftop solar subsidy directly into your bank account:
| System Size | Subsidy |
|---|---|
| 1 kW | ₹30,000 |
| 2 kW | ₹60,000 |
| 3 kW or more | ₹78,000 (max) |
₹30,000/kW for the first 2 kW, +₹18,000 for the 3rd kW, capped at ₹78,000. State subsidies may add more — check your DISCOM.
How This Calculator Works
It sizes your system to offset your bill, applies the government subsidy, then works out how fast the savings repay the net cost.
Generation: 1 kW of panels makes about 4 units a day in India — roughly 120 units a month.
Net metering: daytime export is credited against night-time use, so a right-sized system can wipe out almost your whole bill.
📘 Related Guides
How Rooftop Solar Cost, Subsidy & Payback Are Calculated
Sizing a home solar system starts from how many units you use, not from a guess. Once the size is set, the gross cost, the PM Surya Ghar subsidy and your tariff decide the payback. Here is the full method this calculator uses.
Worked Example — ₹3,000/month bill
Monthly Units = 3,000 ÷ 8 = 375 units
System Size = 375 ÷ (4 × 30) = 3.1 kW ≈ 3 kW
Gross Cost = 3 × ₹60,000 = ₹1,80,000
Subsidy = ₹78,000 → Net Cost = ₹1,02,000
Monthly Savings = 360 units × ₹8 = ₹2,880 → Annual = ₹34,560
Payback = 1,02,000 ÷ 34,560 ≈ 3.0 years
Tips to Get the Best Value
- Apply for subsidy through the official PM Surya Ghar national portal — never pay extra for the subsidy itself
- Choose a DISCOM-empanelled vendor so net metering and subsidy approval go smoothly
- Don't oversize — a system bigger than your yearly consumption exports cheaply and slows payback
- Insist on good mounting structure height so you can still use the terrace below
- Prefer higher-wattage mono PERC / TOPCon panels if roof space is tight
Solar System Size, Cost & Savings Reference Table
Indicative figures at ₹60,000/kW, ₹8/unit tariff, 4 units/kW/day generation, PM Surya Ghar subsidy applied.
| System Size | Suits Bill | Gross Cost | Subsidy | Net Cost | Monthly Saving | Payback |
|---|---|---|---|---|---|---|
| 1 kW | ~₹1,000 | ₹60,000 | ₹30,000 | ₹30,000 | ₹960 | ~2.6 yr |
| 2 kW | ~₹2,000 | ₹1,20,000 | ₹60,000 | ₹60,000 | ₹1,920 | ~2.6 yr |
| 3 kW | ~₹3,000 | ₹1,80,000 | ₹78,000 | ₹1,02,000 | ₹2,880 | ~3.0 yr |
| 5 kW | ~₹5,000 | ₹3,00,000 | ₹78,000 | ₹2,22,000 | ₹4,800 | ~3.9 yr |
| 10 kW | ~₹10,000 | ₹6,00,000 | ₹78,000 | ₹5,22,000 | ₹9,600 | ~4.5 yr |
* Approximate values. Use the calculator above for your exact bill, tariff and local prices.
Frequently Asked Questions
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