The Full ₹78,000 Solar Subsidy Roadmap – PM Surya Ghar Yojana Complete Guide (2026)
Introduction
Planning to install rooftop solar for your home but confused about the subsidy process?
The PM Surya Ghar: Muft Bijli Yojana (2026) is India’s biggest residential solar initiative, offering up to ₹78,000 subsidy for systems of 3 kW and above. On top of that, eligible households receive up to 300 units of free electricity every month.
This blog breaks down the complete roadmap, including eligibility, application steps, approved vendor requirements, and real-world pricing after subsidy.
PM Surya Ghar Subsidy Structure (2026)
The Central Financial Assistance (CFA) under the scheme is based on system capacity:
| System Size | Subsidy Amount (₹) | Notes |
|---|---|---|
| 1 kW | ₹30,000 | Minimum eligible size |
| 2 kW | ₹60,000 | Doubles CFA benefit |
| 3 kW and above | ₹78,000 (maximum) | Cap applies even for 4–10 kW systems |
Key Highlight:
Whether you install 3 kW or 5 kW, the maximum subsidy remains ₹78,000.
State-Level Add-Ons (Example: Delhi Model)
Some states offer additional incentives.
Delhi Solar Policy Example:
| Benefit Type | Amount |
|---|---|
| State Capital Subsidy | ₹10,000 per kW (max ₹30,000) |
| GBI (Generation-Based Incentive) | ₹3/unit for 4 years |
| Total Subsidy for 3 kW | ₹78,000 + ₹30,000 = ₹1,08,000 |
This makes Delhi one of the most cost-effective solar markets in India.
Step-by-Step PM Surya Ghar Yojana Application Process
1. Register on the National Portal
Visit the official portal:
https://pmsuryaghar.gov.in/
Choose:
- State
- District
- Electricity DISCOM
- Enter your consumer number to fetch details
2. Submit Rooftop Solar Application
Fill in details:
- House ownership
- Rooftop availability
- Load connection
Important: You must not have taken any previous solar subsidy.
3. Select an Approved Vendor (Mandatory)
Your installation must be done by an MNRE-approved vendor listed on the national portal.
Solar Squad is fully compliant with:
- ALMM/DCR norms
- DISCOM technical standards
- Subsidy disbursement protocol
👉 Book a Site Visit:
https://solarsquad.in/contact
4. Installation & Net Metering
Your vendor applies for:
- Technical feasibility
- Net metering
- DISCOM inspection
5. Commissioning & Subsidy Release
After commissioning:
- DISCOM uploads a verification report
- Subsidy is released (usually adjusted in the final invoice)
- Your net payable amount reduces automatically
Component-Wise Cost Breakdown (3 kW System Example)
| Component | Budget System (Mono PERC) | Premium System (TOPCon) | Notes |
|---|---|---|---|
| Solar Panels | ₹90,000 – ₹1,10,000 | ₹1,20,000 – ₹1,35,000 | 450–575W |
| Inverter (On-Grid) | ₹25,000 – ₹35,000 | ₹40,000 – ₹55,000 | Growatt, Sungrow, Luminous |
| Mounting Structure | ₹12,000 – ₹18,000 | ₹18,000 – ₹25,000 | HDGI/Aluminum |
| BOS & Wiring | ₹10,000 – ₹18,000 | ₹15,000 – ₹22,000 | ACDB, DCDB, Cables |
| Installation | ₹15,000 – ₹22,000 | ₹20,000 – ₹28,000 | Includes labor & commissioning |
| Total Cost (Pre-Subsidy) | ₹1,80,000 – ₹2,40,000 | — | Varies by quality |
Net Cost After CFA (Subsidy)
Example calculation:
| Item | Amount (₹) |
|---|---|
| Pre-Subsidy Cost | ₹2,13,300 |
| CFA Subsidy | -₹78,000 |
| Final Payable | ₹1,35,300 |
In Delhi (with state subsidy):
Net cost can drop to ₹1,02,000.
Electricity Generation & Savings (3 kW Example)
- Daily Generation: 12–14 units
- Annual Generation: 4,300–5,000 units
- Average Savings: ₹22,000 – ₹30,000/year
- Lifetime Savings: ₹6–8 lakhs
Delhi users can also earn an additional ₹15,000 per year through GBI.
Payback Period & ROI
| Scenario | Net Cost (₹) | Annual Savings (₹) | Payback (Years) |
|---|---|---|---|
| With CFA only | 1,35,000 | 28,000 | 4.3 years |
| With CFA + State Subsidy (Delhi) | 1,02,000 | 38,000 | 2.6 years |
Solar ROI typically falls between 18%–25% annually.
Best Technology for Subsidy-Compliant Systems
| Technology | Efficiency | Degradation | Notes |
|---|---|---|---|
| Mono PERC | 19–22% | 0.5–0.7% | Budget-friendly |
| TOPCon | 22–24% | 0.25% | Higher performance |
| HJT | 24–26% | <0.2% | Premium, long-term stability |
Inverter Performance & Warranty
- Efficiency: Up to 99%
- Warranty:
- Solar panels: 25 years
- Inverter: 5–10 years
- Replacement expected: Year 10–15
Operation & Maintenance Tips
- Clean panels every 2–3 weeks
- Get servicing once every 18–24 months
- Monitor via inverter mobile app
- Avoid shading during any sunlight hour
Regulatory Compliance & Documentation
Apply through the official portal:
👉 https://pmsuryaghar.gov.in/
Required documents:
- Property proof
- Electricity bill
- ID proof
- NOC (if tenant/shared roof)
Who Should Apply for the PM Surya Ghar Yojana Subsidy?
- Homes with 150–600 units/month usage
- Households wanting fast ROI
- Homes planning to reduce bills by 70–90%
- Users seeking long-term energy independence
3 kW Solar Price in Delhi After Subsidy
- Base Cost: ₹1,90,000 – ₹2,20,000
- Net Cost After CFA + State Subsidy: ₹1,02,000 – ₹1,15,000
- Payback (With GBI): 2.3–2.8 years
Conclusion
The PM Surya Ghar Solar Subsidy is a financial breakthrough for Indian homeowners. With up to ₹78,000 subsidy, reduced upfront expenditure, and strong ROI, rooftop solar is now more accessible than ever. Installing through authorized vendors like Solar Squad ensures compliance, quality, and smooth subsidy processing.
Get a Free Quote from Solar Squad
Ready to install a 1–5 kW solar system under the PM Surya Ghar Yojana?
👉 Request a Free Quote: https://solarsquad.in/contact
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FAQs
Up to ₹78,000 for systems 3 kW and above.
Indian homeowners with a domestic electricity connection.
No. Only on-grid (net metering) systems qualify.
Typically 30–75 days.
No. You must install through an MNRE-approved vendor on the national portal.
Yes — up to ₹30,000 extra + GBI incentives.
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