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PM Surya Ghar & Solar Rooftop Calculator

Calculate required solar plant capacity (kW), shadow-free rooftop area, PM Surya Ghar central subsidy (up to ₹78,000), state incentives, net cost, and 25-year ROI savings.

Updated: February 2026 (Live Audit)⚡ 100% Client-Side Fast🔒 Zero Server Storage
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PM Surya Ghar: Muft Bijli Yojana
Subsidy Up to ₹78,000 (Central CFA)
Updated for 2024–2026 Slabs

Solar Rooftop & PM Surya Ghar Subsidy Calculator

Calculate exact solar panel capacity (kW), required roof area, central & state subsidies, net cost, monthly electricity bill savings, and 25-year ROI with zero electricity bills.

System Configurations

₹3,000 / month
₹500 (1kW)₹3,000 (3kW)₹10,000 (8kW)₹25,000+
₹7.50 / unit
Recommended Capacity
3.5 kW

≈ 7 Panels (540W) | ~333 sq.ft. roof

Total Subsidy (DBT)
₹78,000

Central: ₹78,000

Net Effective Cost
₹97,000

Gross: ₹1,75,000 - Subsidy

Financial ROI & Electricity Savings

Based on standard ~4.5 Peak Sun Hours in India & net metering

Payback: 2 Yrs 6 Mos
Daily Generation~14.2Units (kWh)
Monthly Free Units~426Units / month
Annual Bill Savings₹38,873per year
25-Yr Lifetime Wealth₹12,90,442Net Profit: ₹11,93,442
PM Surya Ghar Central CFA Slab Breakdown (2024–2026)Direct Bank Transfer (DBT)
1 kW System
₹33,000 CFA
2 kW System
₹66,000 CFA
3 kW to 10 kW
₹78,000 CFA Max
Solar Loan EMI vs Electricity Bill Saved
Net Investment: ₹97,000
Monthly Loan EMI (5 yrs @ 7%):₹1,921 / mo
Monthly Electricity Saved:₹3,195 / mo
Net Monthly Cash Flow:+₹1,274 (Gain)
25-Year Clean Green Impact (Your Carbon Footprint Reduction)
98 Tons
CO2 Emissions Avoided
4410 🌳
Trees Planted Equivalent
54 Tons
Coal Burning Prevented

25-Year Cash Flow & Cumulative Profit Projection

Assumes 0.7% annual solar panel degradation and 3% yearly grid electricity tariff escalation.

Solar Panel Warranties: 25 Years (80%+ output)
MilestoneEstimated Annual SavingsCumulative Net Profit (Post-Investment)Return on Investment
Day 1 (Installation)₹0-₹97,000Initial Outlay
Year 1₹38,873 / yr-₹58,127Recovering Investment
Year 5₹42,539 / yr+₹1,06,425Profitable (+110% ROI)
Year 10₹47,612 / yr+₹3,34,112Profitable (+344% ROI)
Year 15₹53,291 / yr+₹5,88,953Profitable (+607% ROI)
Year 20₹59,647 / yr+₹8,74,189Profitable (+901% ROI)
Year 25₹66,760 / yr+₹11,93,442Profitable (+1230% ROI)
Official MNRE Process

How to Claim PM Surya Ghar Subsidy in 4 Easy Steps

Apply online on the official National Portal: pmsuryaghar.gov.in

1

Register on Portal

Select your State & Electricity Distribution Company (DISCOM), enter Consumer Account Number, Mobile & Email.

2

Feasibility Approval

Apply for Rooftop Solar installation online. Wait for technical feasibility approval from your local DISCOM.

3

Installation by Vendor

Get the plant installed by registered MNRE vendors using certified DCR solar panels (ALMM list).

4

Net Meter & DBT Subsidy

DISCOM inspects & installs bi-directional Net Meter. Submit bank account details for direct subsidy transfer within 30 days.

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How to Use PM Surya Ghar & Solar Rooftop Calculator – Step-by-Step Calculator Guide

Guided Steps
Step 101

Select calculation mode: By Monthly Electricity Bill (₹), By Rooftop Area (sq ft), or Custom Plant Size (kW)

Step 202

Select your State to automatically fetch average grid electricity tariffs and state top-up subsidies

Step 303

Choose Solar System Type (On-Grid with Net Metering, Hybrid, or Off-Grid) and Panel Tech (Mono PERC / TOPCon / Bifacial)

Step 404

Instantly view required kW capacity, central DBT subsidy, net out-of-pocket investment, and payback period

Step 505

Explore 25-year cumulative cash flow projections and export a comprehensive Solar Audit PDF report

PM Surya Ghar & Solar Rooftop Calculator – Formula, Computation Rules & Statutory Guidelines

Plan your residential rooftop solar installation with official 2024-2026 PM Surya Ghar: Muft Bijli Yojana subsidy calculations, net metering savings, and solar loan EMI estimation.

Mathematical Formula for PM Surya Ghar & Solar Rooftop Calculator

Standard Banking & Regulatory Computation Algorithm

Required kW = (Monthly Units / (Peak Sun Hours × 30 × 0.88)); Central Subsidy: 1kW=₹33k, 2kW=₹66k, 3kW+=₹78k; Payback = Net Cost / Annual Bill Savings

Expert Optimization & Financial Pro-Tips

Strategic guidelines to maximize yields and reduce liabilities

Pro Tip 1

Regular recalculations and adjustments can save up to 15-20% in long-term compounding and interest costs.

Pro Tip 2

Review asset allocation and statutory deductions in line with Indian Union Budget 2024–2026 provisions.

Pro Tip 3

Export calculations to PDF or Excel to review your strategy with a verified Chartered Accountant (CA).

Interactive ‘What-If’ Decision Scenarios

Analyze how small changes in inputs compound into significant long-term outcomes

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Scenario B: High Precision Rounding

Output numbers are rounded to exact decimal precision according to statutory Indian standards.

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💡 Statutory & Educational Disclaimer: ToolHind calculations are generated strictly for educational, illustrative, and planning purposes based on standardized actuarial and statutory formulas (Union Budgets 2024–2026, IT Act Sec 87A/16(ia), EPFO/RBI norms).

ToolHind does not provide certified legal, investment, or Chartered Accountancy (CA) advice. Actual tax liabilities or loan approval figures may vary based on individual exemptions, lender policies, or state amendments. Please consult a qualified financial advisor before formal filing.

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ToolHind computation algorithms are calibrated against the Indian Union Budget 2024–2026, Finance Act provisions, and applicable statutory guidelines issued by CBDT, RBI, and standard financial regulatory authorities. However, all generated reports and figures are designed strictly for estimation, planning, and educational purposes. Official final tax assessments, loan approvals, and banking schedules remain subject to authorized institutional verification. Users are advised to consult a certified financial advisor or Chartered Accountant for sovereign legal filing.

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