PM Surya Ghar Subsidy Calculator
Central + state subsidy, net cost and payback for your home
Free · No sign-up · Computed instantly on your device
PM Surya Ghar subsidy window: 31 March 2027
The ₹78,000 central residential subsidy is sanctioned through the end of FY 2026-27 (31 March 2027). Apply and get commissioned well before this date. No extension has been officially notified; MNRE has indicated the one-crore-household target may fall short by March 2027, which makes an extension plausible but not assured — plan around the published date.
As of October 2026 — confirm the current position on pmsuryaghar.gov.in.
Your Home
Residential rooftop, grid-connected. Housing societies: see the society subsidy rules.
Divide a recent bill by the units on it. ₹7 is an assumption, not your tariff.
Total subsidy for 3 kW in Maharashtra
₹78,000
Central ₹78,000
Estimated cost after subsidy
₹87,000 – ₹1,47,000
From an indicative installed cost of ₹1,65,000 – ₹2,25,000
Payback
2.8 – 4.7 years
At ₹7/unit, if all generation offsets your bill
Expected generation in Maharashtra
≈ 4,441 units/year · worth about ₹31,089/year
5.2 peak sun hours × 78% performance ratio. Real output varies with shading and upkeep.
State SMART Solar scheme covers only 1 kW for households under 100 units a month. See how this affects your Maharashtra total.
No state top-up is documented for Maharashtra on our verified list, so only the central subsidy is shown. Some states add incentives — confirm with your DISCOM.
Send this result to family or your installer
Estimates only. The central amount follows the published PM Surya Ghar rule (₹30,000/kW for the first 2 kW, ₹18,000 for the third kW, maximum ₹78,000) and is paid after your system is commissioned and verified; eligibility also depends on the scheme’s conditions, such as a registered vendor, domestically manufactured (DCR) modules and net metering. Cost ranges are indicative market bands, not a quote — get at least three written quotes.
About This Calculator
This calculator answers the question most homeowners start with: how much subsidy will I actually get? Pick your system size and state and it adds the central PM Surya Ghar subsidy to any state top-up we have been able to verify, then shows the estimated cost after subsidy, the payback period and how many units the system should generate where you live.
It is deliberately conservative. Where a state top-up is only reported and not confirmed, it is left out of the total and flagged, so the number you see is one you can plan around. Your inputs are saved in the page address, so you can bookmark the result or send it to family on WhatsApp exactly as you see it.
How the Calculation Works
The central subsidy follows the published PM Surya Ghar rule: ₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW, with nothing extra above 3 kW — a maximum of ₹78,000. States that run their own verified top-up are added on top: Uttar Pradesh pays ₹15,000 per kW up to ₹30,000 and Delhi pays ₹10,000 per kW up to ₹30,000.
Cost after subsidy starts from the indicative installed-cost bands in our Databook — a sanity range, not a quote — and subtracts the total subsidy. Generation is system size × your state’s peak sun hours × a 78% performance ratio × 365, and payback divides the cost after subsidy by the yearly bill saving at the rate you enter. Read the PM Surya Ghar guide for eligibility and the application steps.
Worked example: 3 kW in Delhi at ₹7 per unit
- Central subsidy: 2 × ₹30,000 + 1 × ₹18,000 = ₹78,000.
- Delhi top-up: ₹10,000 × 3 kW = ₹30,000, which is at the ₹30,000 cap. Total subsidy ₹1,08,000.
- Indicative installed cost for 1–3 kW is ₹55,000–75,000 per kW, so ₹1,65,000–2,25,000. After subsidy: ₹57,000–1,17,000.
- Delhi’s 5.0 peak sun hours give about 4,271 units a year, worth about ₹29,900 at ₹7 per unit — a payback of roughly 1.9 to 3.9 years.
Go Deeper
Frequently Asked Questions
- How much subsidy do I get for a 3 kW solar system?
- The central PM Surya Ghar subsidy for a 3 kW residential system is ₹78,000: ₹30,000 per kW for the first 2 kW plus ₹18,000 for the third kW. Some states add a top-up on top of this — pick your state in the calculator to see it.
- Is there a subsidy for systems above 3 kW?
- Not beyond ₹78,000. The central subsidy is capped at 3 kW, so a 5 kW or 10 kW home system receives the same ₹78,000 central amount, though a state top-up may still add to it where one exists.
- Which states add their own subsidy?
- The calculator adds verified top-ups for Uttar Pradesh and Delhi. Gujarat and Rajasthan are reported to offer one but we could not confirm current amounts, so they are flagged and left out of the total. Other states have no documented top-up on our list — confirm with your DISCOM or state agency.
- Until when can I claim the PM Surya Ghar subsidy?
- The ₹78,000 central subsidy is sanctioned through 31 March 2027 as of our October 2026 check, with no extension officially notified. Plan around that date and confirm the current position on the official portal; a countdown is shown at the top of the calculator.
- Do I receive the subsidy upfront?
- No. You normally pay the installer first; the central subsidy is paid to your bank account after the system is installed, commissioned and verified. Plan your cash flow for the full cost, not the cost after subsidy.