# PM Surya Ghar Yojana 2025-26 — Complete Guide **Updated:** March 7, 2026 PM Surya Ghar: Muft Bijli Yojana is the Government of India's flagship rooftop solar program that aims to install solar panels on **1 crore (10 million) households** and provide up to **₹78,000 in direct subsidy** per household. This comprehensive guide covers everything you need to know about the scheme — from subsidy amounts and eligibility to the complete application process. --- ## Quick Overview: PM Surya Ghar Yojana | Aspect | Details | |--------|---------| | **Launch Date** | February 13, 2024 | | **Budget** | ₹75,021 crore | | **Target** | 1 crore households | | **Subsidy Amount** | Up to ₹78,000 per household | | **Free Electricity** | Up to 300 units per month | | **Loan Available** | Yes, at subsidized rates | | **Application** | Online through National Portal | --- ## What is PM Surya Ghar Yojana? PM Surya Ghar: Muft Bijli Yojana (Rooftop Solar Scheme) enables households to: 1. **Install rooftop solar panels** at subsidized rates 2. **Generate their own electricity** and reduce/eliminate bills 3. **Sell excess electricity** back to the grid (net metering) 4. **Get up to ₹78,000 direct subsidy** from the Central Government 5. **Access low-interest loans** for remaining costs The scheme aims to make 1 crore Indian households energy-independent and contribute to India's renewable energy goals. --- ## Subsidy Amount Breakdown (2025-26) ### Central Government Subsidy | System Capacity | Central Subsidy | Calculation | |-----------------|-----------------|-------------| | **1 kW** | ₹30,000 | ₹30,000 × 1 = ₹30,000 | | **2 kW** | ₹60,000 | ₹30,000 × 2 = ₹60,000 | | **3 kW** | ₹78,000 | (₹30,000 × 2) + (₹18,000 × 1) = ₹78,000 | | **4 kW** | ₹78,000 | Capped at ₹78,000 | | **5 kW** | ₹78,000 | Capped at ₹78,000 | | **10 kW** | ₹78,000 | Maximum subsidy cap | **Formula:** - First 2 kW: ₹30,000 per kW - Above 2 kW: ₹18,000 per kW - **Maximum cap:** ₹78,000 (for systems ≥3 kW) ### Additional State Subsidies Some states offer additional subsidies on top of the Central scheme: | State | Additional Subsidy | Total Subsidy (3 kW) | |-------|-------------------|----------------------| | Gujarat | 40% of balance cost | ₹78,000 + state subsidy | | Maharashtra | ₹10,000 - ₹25,000 | ₹88,000 - ₹1,03,000 | | Rajasthan | Up to ₹18,000 | ₹96,000 | | Tamil Nadu | 30% of project cost | Varies | | Delhi | Up to ₹10,000 | ₹88,000 | *Check with your State Nodal Agency (SNA) for exact state-level incentives.* --- ## Eligibility Criteria ### Who Can Apply? ✅ **Eligible:** - Individual residential house owners - Group housing societies/RWAs (Resident Welfare Associations) - Apartments and residential complexes - Government employees' housing societies ❌ **Not Eligible:** - Commercial establishments - Industrial units - Rental properties (tenant cannot apply; owner must apply) - Properties without electricity connection ### Technical Eligibility ✅ **Your property must have:** - Electricity connection (residential category) - Sufficient shadow-free roof area (minimum 100 sq ft per kW) - Structurally sound rooftop (can bear 15-20 kg per sq meter) - Access to rooftop for installation and maintenance ❌ **Not eligible if:** - No electricity meter (new connection required first) - Already availed subsidy under previous solar schemes (some exceptions apply) - Roof is heavily shaded or unsuitable --- ## Step-by-Step Application Process ### Phase 1: Online Registration (National Portal) **Step 1: Visit the National Portal** - Go to: [https://pmsuryaghar.gov.in](https://pmsuryaghar.gov.in) - Click on "Apply for Rooftop Solar" **Step 2: Register/Login** - Enter your mobile number - Verify OTP - Create account with: - Name - Email address - State - District - Electricity distribution company (DISCOM) **Step 3: Fill Application Form** Provide details: - Electricity consumer number (from your bill) - Sanctioned load (kW) - Roof area available - Desired solar system capacity (1-10 kW) - Bank account details (for subsidy transfer) **Step 4: Upload Documents** Required documents (scanned copies): - Electricity bill (latest) - Aadhaar card - Bank account details (passbook/cancelled cheque) - Property ownership proof (if available) - Roof photograph showing clear area **Step 5: Submit Application** - Review all details - Click "Submit" - Note down your **Application ID** **Timeline:** Immediate (online application) --- ### Phase 2: Installer Empanelment & Quotation **Step 6: Choose Vendor/Installer** - After application approval, you'll receive a list of **empanelled vendors** - Options: 1. **Option A:** Select from empanelled installers on portal 2. **Option B:** Choose your own installer (must be MNRE-empanelled) 3. **Option C:** DISCOM will allocate an installer **Step 7: Get Feasibility Report** - Selected installer will visit your site - Technical feasibility assessment: - Roof structure - Shadow analysis - Load capacity - Electrical connection point - Receive **quotation** with cost breakdown **Step 8: Accept Quote & Pay Advance** - Review quotation on portal - Pay advance to installer (typically 20-30%) - Sign agreement **Timeline:** 7-15 days --- ### Phase 3: Net Metering Approval **Step 9: Net Metering Application** - Installer will apply for net metering on your behalf - DISCOM (electricity company) will process the application - Documents required: - Solar system design - Single line diagram (SLD) - Inverter specifications - Installer certification **Step 10: DISCOM Approval** - DISCOM reviews application - May conduct site inspection - Issues **approval letter** with technical specifications **Timeline:** 15-30 days --- ### Phase 4: Installation & Commissioning **Step 11: Install Solar System** - Installer will install the solar system: - Solar panels - Inverter - Mounting structure - Wiring and earthing - DC Distribution Board (DCDB) and AC Distribution Board (ACDB) **Step 12: Commissioning** - DISCOM installs **bi-directional meter** (or replaces existing meter) - System is connected to the grid - Installer provides: - Commissioning certificate - Performance test report - Warranty documents - User manual **Step 13: Upload Documents on Portal** Upload the following on PM Surya Ghar portal: - Commissioning certificate - Installation photographs (panels, inverter, meter) - Bi-directional meter photograph - Installer invoice/bill **Timeline:** 7-15 days --- ### Phase 5: Inspection & Subsidy Release **Step 14: DISCOM Inspection** - DISCOM engineer will visit your site - Verify installation quality and compliance - Check: - Panel orientation and tilt - Proper earthing - Net meter functionality - Safety measures **Step 15: Inspection Report Upload** - DISCOM uploads inspection report to portal - If approved, subsidy disbursement is initiated **Step 16: Subsidy Disbursement** - Subsidy amount is transferred **directly to your bank account** - You'll receive SMS/email notification - Payment mode: Direct Benefit Transfer (DBT) **Timeline:** 30-60 days after installation --- ## Total Timeline: Application to Subsidy | Phase | Duration | Cumulative | |-------|----------|------------| | Online application | 1 day | 1 day | | Vendor selection | 7-15 days | 8-16 days | | Net metering approval | 15-30 days | 23-46 days | | Installation | 7-15 days | 30-61 days | | Inspection & subsidy | 30-60 days | 60-121 days | **Total:** 2-4 months from application to subsidy receipt --- ## Required Documents Checklist ### For Application: - [ ] Latest electricity bill (JPEG/PDF, max 2 MB) - [ ] Aadhaar card (both sides) - [ ] Bank account details (passbook/cancelled cheque) - [ ] Property ownership proof (optional but recommended) - [ ] Roof photograph (clear, showing available area) ### For Net Metering: - [ ] Solar system design and SLD (installer provides) - [ ] Inverter specification sheet (installer provides) - [ ] Installer empanelment certificate (installer provides) ### For Subsidy Claim: - [ ] Commissioning certificate (installer provides) - [ ] Installation photographs (panels, inverter, meter — take yourself) - [ ] Bi-directional meter photograph - [ ] Original invoice/bill from installer **Pro Tip:** Keep both physical and digital copies of all documents. --- ## Loan Facility Under PM Surya Ghar The scheme offers **subsidized loans** to cover the balance cost after subsidy: ### Loan Details: - **Loan Amount:** Up to 100% of balance cost (after subsidy) - **Interest Rate:** 7-9% (subsidized rates) - **Tenure:** Up to 10 years - **Participating Banks:** SBI, PNB, Bank of Baroda, HDFC, ICICI, Axis, and more ### Example Loan Calculation (3 kW system): - Total cost: ₹1,80,000 - Subsidy: ₹78,000 - Balance: ₹1,02,000 - **Loan available:** Up to ₹1,02,000 at 7-9% interest - **EMI (7 years @ 8%):** ~₹1,700/month **Apply for loan through:** 1. Portal's loan section (preferred) 2. Directly through participating banks 3. Via your installer (some tie up with banks) --- ## Common Mistakes to Avoid ### ❌ Mistake 1: Wrong System Size Selection **Problem:** Choosing 2 kW when 3 kW is better for ROI **Solution:** Use our [Solar Calculator](https://gosolarindex.in/solar-calculator) to find the right size based on your consumption ### ❌ Mistake 2: Not Verifying Installer Credentials **Problem:** Hiring non-empanelled installers leads to subsidy rejection **Solution:** Only choose MNRE-empanelled vendors. Check empanelment on PM Surya Ghar portal or [GoSolarIndex](https://gosolarindex.in) ### ❌ Mistake 3: Incomplete Documentation **Problem:** Missing documents delay subsidy by months **Solution:** Follow the checklist above and upload clear, legible documents ### ❌ Mistake 4: Poor Quality Components **Problem:** Installer uses cheap panels to maximize profit **Solution:** Insist on Tier 1 panels (Tata, Adani, Vikram, Waaree) and check invoice ### ❌ Mistake 5: Not Following Up **Problem:** Application stuck at DISCOM approval stage **Solution:** Track application status on portal and follow up every 7 days ### ❌ Mistake 6: Ignoring Net Metering Agreement **Problem:** Not understanding your rights and obligations **Solution:** Read the net metering agreement carefully before signing ### ❌ Mistake 7: No Written Warranty **Problem:** Installer disappears after installation **Solution:** Get 25-year panel warranty and 5-year installer warranty in writing --- ## State-Specific Variations & Additional Benefits ### Gujarat - **Extra subsidy:** 40% of balance cost - **State nodal agency:** GEDA (Gujarat Energy Development Agency) - **Special benefit:** Fast-track approvals (15-day net metering) ### Maharashtra - **Extra subsidy:** ₹10,000-₹25,000 (MSEDCL area) - **Benefit:** No net metering charges - **Contact:** MEDA (Maharashtra Energy Development Agency) ### Rajasthan - **Extra subsidy:** Up to ₹18,000 - **Benefit:** Wheeling and banking facility - **Contact:** RRECL (Rajasthan Renewable Energy Corporation Ltd) ### Karnataka - **Benefit:** BESCOM offers simplified net metering - **Special:** Urban areas get priority approvals - **Contact:** KREDL (Karnataka Renewable Energy Development Ltd) ### Tamil Nadu - **Extra subsidy:** 30% of project cost - **Benefit:** Generation-based incentive (₹2/kWh for 5 years) - **Contact:** TANGEDCO ### Delhi - **Extra subsidy:** Up to ₹10,000 - **Benefit:** Exemption from net metering charges - **Contact:** BSES/TPDDL (your DISCOM) *Visit your state nodal agency website for exact details.* --- ## Frequently Asked Questions (FAQ) ### 1. Who pays for the bi-directional meter? **Answer:** The DISCOM (electricity company) installs it free of cost. You don't pay anything. ### 2. Can I apply if I live in a rented house? **No.** Only the property owner can apply. If you're a tenant, ask your landlord to apply. ### 3. How is the subsidy paid — to me or the installer? **Answer:** Subsidy is paid **directly to your bank account** via DBT. You pay the full amount to the installer and get reimbursed later. ### 4. What if my roof is partially shaded? **Answer:** Some shading is okay if you have sufficient shadow-free area (100 sq ft per kW). The installer will design around it. ### 5. Can I install a bigger system and get more subsidy? **No.** Maximum subsidy is capped at ₹78,000 (for ≥3 kW systems). You can install 10 kW, but subsidy remains ₹78,000. ### 6. Is there a deadline to apply? **No specific deadline.** The scheme runs until the target of 1 crore installations is met or the budget is exhausted. **Apply early** to avoid missing out. ### 7. What if I already have an inverter? Can I use it? **Yes**, if it's a grid-tied inverter compatible with net metering. Check with your installer. Off-grid/standalone inverters are NOT eligible. ### 8. Do I need to pay electricity bills after installing solar? **It depends:** - If your generation > consumption: You get credit (bill = ₹0 or negative) - If consumption > generation: You pay only for the difference - Fixed charges (meter rent, etc.) still apply ### 9. Can group housing societies apply? **Yes!** RWAs can apply under the scheme. Benefits: - Bulk installation discount - Shared common area generation - Lower cost per unit ### 10. What happens to excess electricity? With **net metering**, excess electricity goes to the grid. You get: - Credit for excess units (adjusted in future bills) - OR payment from DISCOM at predetermined rates --- ## Post-Installation: Maximizing Benefits ### 1. Monitor Your System - Check inverter display daily for generation data - Use mobile app (if inverter supports) - Compare generation with expected output ### 2. Maintenance Tips - Clean panels every 3 months (or after dust storms) - Check for bird droppings, leaves, and debris - Inspect wiring for damage - Get annual professional maintenance ### 3. Track Your Savings - Compare electricity bills before/after solar - Calculate ROI (payback period) - Monitor net metering credits ### 4. Claim Tax Benefits (If Applicable) - Some states offer income tax deductions under Section 80C - Consult a CA for exact benefits in your state --- ## Troubleshooting Common Issues | Issue | Solution | |-------|----------| | **Application rejected** | Check eligibility criteria, re-submit with correct documents | | **Net metering approval delayed** | Follow up with DISCOM, escalate to nodal officer if >30 days | | **Subsidy not received after 90 days** | Contact helpline, check portal status, escalate to SNA | | **Installer not responding post-installation** | File complaint on portal, contact MNRE helpline | | **Low electricity generation** | Check for shading, panel cleanliness, inverter errors | | **Inverter showing error** | Contact installer immediately, check warranty | --- ## Contact Information & Helplines ### National Helpline - **Phone:** 1800-180-3333 (Toll-Free) - **Email:** pmsuryaghar-mnre@gov.in - **Portal:** [pmsuryaghar.gov.in](https://pmsuryaghar.gov.in) ### MNRE (Ministry of New and Renewable Energy) - **Phone:** 011-24360707, 011-24360404 - **Website:** [mnre.gov.in](https://mnre.gov.in) ### State Nodal Agencies (SNA) - Find your state SNA contact on the PM Surya Ghar portal - They handle state-level approvals and grievances --- ## Conclusion: Is PM Surya Ghar Worth It? **Absolutely YES!** Here's why: ✅ **Massive subsidy:** Up to ₹78,000 reduces your cost by 40-50% ✅ **Quick ROI:** 3-5 years payback with subsidy ✅ **Free electricity:** Generate 300+ units/month with 3 kW system ✅ **25-year savings:** ₹8-10 lakhs over system lifetime ✅ **Environmental impact:** Reduce carbon footprint ✅ **Increase property value:** Solar homes sell for 3-5% more **The numbers speak for themselves:** - 3 kW system cost: ₹1,80,000 - After subsidy: ₹1,02,000 - Monthly savings: ₹2,500-₹3,000 - **Payback:** 3 years - **Lifetime savings:** ₹8,76,000 Don't miss this opportunity. The scheme has a target of 1 crore installations — once that's met, the subsidy may end. --- ## Next Steps: Apply Today **Ready to go solar?** 1. **Calculate your requirements:** [Solar Calculator](https://gosolarindex.in/solar-calculator) 2. **Check eligibility:** [Subsidy Checker](https://gosolarindex.in/subsidy-checker) 3. **Find installers:** [GoSolarIndex Directory](https://gosolarindex.in) 4. **Apply online:** [PM Surya Ghar Portal](https://pmsuryaghar.gov.in) Need help finding a verified installer? Browse our directory of **MNRE-empanelled, verified solar installers** at [GoSolarIndex.in](https://gosolarindex.in) and get free quotes today! --- *Published: March 7, 2026 | Author: GoSolarIndex Team | Sources: MNRE, PM Surya Ghar Official Portal*