How Much Government Subsidy Can You Get for Home Solar in India (2026)?
The PM Surya Ghar Muft Bijli Yojana gives residential consumers a direct subsidy of up to ₹78,000 for solar rooftop installation. This is a central government scheme running through 2027. Here is exactly how to get it.
PM Surya Ghar Subsidy Amount (2026)
| System Capacity | Subsidy Amount |
|---|---|
| Up to 2 kW | ₹30,000 per kW (max ₹60,000) |
| Above 2 kW up to 3 kW | ₹18,000 for the additional 1 kW (total max ₹78,000) |
| Above 3 kW | Capped at ₹78,000 — no additional subsidy |
This subsidy is credited directly to your bank account within 30–60 days of system commissioning and DISCOM inspection.
Who Is Eligible?
- Residential electricity consumers (domestic tariff category)
- Must own the property or have owner's written NOC
- Must install through a DISCOM-empanelled vendor
- One subsidy per household (one consumer number)
- Must apply through pmsuryaghar.gov.in portal (not through installer directly)
Step-by-Step: How to Apply for the Subsidy
- Register on pmsuryaghar.gov.in — enter your state, DISCOM, consumer number, and mobile number
- Apply for rooftop solar — fill in roof area, preferred system size, and select a DISCOM-empanelled vendor
- Receive DISCOM feasibility approval — usually 7–15 days
- Sign contract with installer and pay — installer installs system (1–3 days)
- Submit net metering application — installer submits to DISCOM after installation
- DISCOM commissioning inspection — DISCOM engineer visits, installs net meter
- Submit completion documents on portal — photos, installation certificate, bank details
- Subsidy credited to bank account — within 30–60 days
State-Specific Additional Subsidies (2026)
Some states offer additional subsidy ON TOP of the central PM Surya Ghar subsidy:
- Gujarat: ₹10,000–₹20,000 extra for GEDA-registered systems. Find solar installers in Ahmedabad or Surat.
- Rajasthan: RRECL provides additional incentives for solar-rich districts. Find solar installers in Jaipur or Jodhpur.
- Maharashtra: MSEDCL has an accelerated net metering timeline. Find Mumbai or Pune solar installers.
- Kerala: ANERT offers extra subsidy for small 1–2 kW systems in rural areas. Find Kochi or Thiruvananthapuram installers.
Common Mistakes That Delay or Void Your Subsidy
- Installing before applying: You must get DISCOM approval before installation to qualify
- Choosing non-empanelled installer: Only DISCOM-approved installers qualify for subsidy
- Wrong bank account: Account must be in the same name as the electricity consumer
- Missing documents: Keep your consumer number, Aadhaar, and bank passbook ready
- Buying system components yourself: Self-purchase and assembly does not qualify
Can You Get a Loan for the Remaining Cost?
Yes. After the ₹78,000 subsidy, if your 3 kW system costs ₹1,20,000, you pay ₹42,000 out of pocket. Several banks offer solar loans:
- SBI Surya Shakti Solar Finance — up to ₹10 lakh at 7.75% for 10 years
- Bank of Baroda Green Home Loan — solar top-up available
- Many installers tie up with NBFC partners for EMI of ₹2,000–₹4,000/month
At ₹3,000 EMI/month and ₹3,000/month electricity bill savings, solar literally pays for itself from day one.
Find Subsidy-Eligible Installers in Your City
All verified installers on GoSolarIndex are DISCOM-empanelled and subsidy-eligible: