PM Surya Ghar Solar Subsidy & ROI Calculator
MNRE 2026–27 CFA Slabs • MSEDCL April 2026 Tariff • SBI 5.75% Loan
₹3,200
Est. consumption: ~258 units/month (Recommended: 2.5 kW)
3.0 kW
Subsidy caps at 3 kW for homes (DCR Indian panels mandatory).
Auto-estimated at market benchmark; type your exact vendor quote to override.
5 Years
Fixed PM Surya Ghar Subsidy (DBT)
₹78,000
Net Effective Cost: ₹1,02,000
- Solar Generation (100% Banking) 360 units / mo
- Est. Monthly Bill Savings ₹3,050 / mo
- Year-End Surplus Payout (@ ₹2.82/u) ₹3,450 / yr
- Simple Payback Period 2.6 Years
- Shadow-Free Roof Required 255 sq. ft.
- 10% Down Payment (Margin) ₹18,000
- Net Loan After Subsidy Credit ₹84,000 (@ 5.75%)
- Monthly Bank EMI ₹1,614 / mo
- Day-1 Monthly Cashflow (Savings − EMI) +₹1,436 / mo
Sanctioned Load Check: Your electricity bill must show at least 3.0 kW sanctioned load. Fixed meter rental (~₹151/mo) still applies.