Solar Electricity Bill Savings Calculator (India 2026)

Estimate your monthly bill reduction, 25-year lifetime return, and capital payback period after PM Surya Ghar central subsidies.

1. Enter your consumption

Recommended System Capacity
3 kW

Generates ~360 units / month

Monthly bill savings:₹3,420 / mo
First-year savings:₹41,040
Estimated 25-yr lifetime return:₹9.2 lakh
Estimated capital payback:2.7 years

How this is calculated

Calculations assume average Indian solar irradiance generating 4 units (kWh) per kW of installed capacity per day (120 units per month). Electricity tariff rates are calibrated against 2026 state electricity regulatory commission (SERC) domestic residential tariff slabs.

Net installation investment accounts for official PM Surya Ghar Muft Bijli Yojana central DBT subsidies (₹30,000 for 1 kW, ₹60,000 for 2 kW, and ₹78,000 for 3 kW or above).

Frequently asked questions

How does rooftop solar reduce my electricity bill to near zero?+
With a bi-directional net meter, power generated by your solar panels is consumed directly by your home appliances during daytime. Any excess energy is exported to the electricity grid, earning bill credits that offset the electricity you draw at night.
Will my savings decrease over the 25 years?+
Modern Tier-1 ALMM solar panels degrade at less than 0.4% to 0.5% per year, retaining at least 80% to 85% of their original capacity after 25 years. Because utility electricity tariffs rise by 3%–5% annually in India, your financial savings actually increase over time.
Do I still have to pay fixed charges to the DISCOM?+
Yes. Most DISCOMs levy a fixed monthly meter connection charge (typically ₹50 to ₹150 per kW of sanctioned load). Even if your net consumption is zero, fixed charges apply.

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