PM Surya Ghar Subsidy 2026: Eligibility, Amount & How to Apply

Rooftop solar can slash an Indian home’s electricity bill, but the upfront cost still holds many families back. The PM Surya Ghar Muft Bijli Yojana solves this with a direct subsidy on residential rooftop solar, paid straight into your bank account after installation and inspection.

This guide covers the pm surya ghar subsidy as it stands in 2026: the exact slab amounts, who can apply, the online application steps, the documents you need, when the money arrives, and the mistakes that get claims rejected. Every figure comes from a real, dated source. Scheme rules can change, so confirm the latest details on the official portal pmsuryaghar.gov.in before you apply.

What Is PM Surya Ghar Muft Bijli Yojana?

The PM Surya Ghar Muft Bijli Yojana is a Central Government scheme run by the Ministry of New and Renewable Energy (MNRE). Launched in February 2024 with a total outlay of Rs 75,021 crore, it helps households install grid-connected rooftop solar, targeting 1 crore households by March 31, 2027 and up to 300 units of electricity per month through rooftop solar generation.

The government does not hand you 300 units directly. It lowers your installation cost with a subsidy, your rooftop system generates power from sunlight, and net metering adjusts surplus sent to the grid under your state’s rules.

Per the government’s statement reported in early August 2026, over 50.06 lakh households had benefited, Rs 28,024 crore had been transferred through Direct Benefit Transfer (DBT), and nearly 19 lakh households reported zero electricity bills.

PM Surya Ghar Subsidy 2026: How Much Do You Get?

The subsidy, officially called Central Financial Assistance (CFA), depends only on system size. The structure as of October 2026, per TGSPDCL and MNRE’s operational guidelines, is:

System size	Central subsidy	How it is calculated
1 kW	Rs 30,000	Rs 30,000 per kW
2 kW	Rs 60,000	Rs 30,000 per kW for the first 2 kW
3 kW or more	Rs 78,000 (maximum)	Rs 60,000 for the first 2 kW plus Rs 18,000 for the third kW

The subsidy is capped at Rs 78,000 per residential electricity connection: a 5 kW or 10 kW system gets no more. The rates are fixed amounts per kW, not a share of your vendor’s quoted price.

For special category states (the North-East, Uttarakhand, Himachal Pradesh, Jammu and Kashmir, Ladakh, and the Andaman and Nicobar and Lakshadweep islands), CFA is 10 percent higher: Rs 33,000 per kW for the first 2 kW and Rs 19,800 for the third kW, per MNRE’s September 2026 guidelines.

Group Housing Societies and Resident Welfare Associations (GHS/RWAs) get Rs 18,000 per kW for solar serving common facilities such as lighting and EV charging, up to 500 kW total (3 kW per household).

Some states add their own top-up. In September 2026, Delhi launched a portal offering a matching Rs 78,000 state subsidy, taking the total to Rs 1.56 lakh for eligible Delhi households. State incentives change often, so confirm with your state agency or DISCOM before finalising costs.

Who Can Apply for the PM Surya Ghar Subsidy?

You are eligible if you:

• Are an Indian citizen
• Own a house with a roof suitable for solar panels
• Hold a valid electricity connection from your local DISCOM
• Have not already availed any other subsidy for solar panels on the same premises

One technical condition matters for the subsidy itself. MNRE’s guidelines require Domestic Content Requirement (DCR) compliance: the solar modules must be manufactured in India using domestically manufactured solar cells. Non-DCR modules make the installation ineligible for CFA, so confirm your vendor’s panels are DCR-compliant.

How to Apply for PM Surya Ghar Subsidy Online?

The entire application runs on the National Portal for Rooftop Solar at pmsuryaghar.gov.in. (Note: the portal was unreachable from our review systems, so these steps come from recent official and press sources.) The process is:

1. Register on the portal with your state, DISCOM, electricity consumer number and mobile number.
2. Complete the rooftop solar application on the portal. It shows vendor ratings, benefit calculators and suggested system sizes.
3. Wait for technical feasibility approval from your DISCOM. Do not install before this approval arrives.
4. Choose a registered vendor listed on the portal and get the system installed.
5. Apply for net metering after installation and get the net meter fitted.
6. Submit plant details on the portal after the DISCOM inspection, and receive your commissioning certificate.
7. Submit your bank details and final paperwork for the subsidy claim. The subsidy reaches your bank account after verification, typically within about 30 days of the final submission per government guidance.

Documents You Need for the PM Surya Ghar Application

Keep these ready (exact requirements can vary by stage and DISCOM):

• Aadhaar card for digital authentication, now mandatory for subsidy processing
• Latest electricity bill linked to your consumer number, which also serves as address proof
• Roof ownership document or a no-objection certificate, if applicable
• Bank account details, such as a passbook or a cancelled cheque, for the direct benefit transfer

Wrong or mismatched bank details are among the most common reasons for delayed payments.

How Is the PM Surya Ghar Subsidy Paid to You?

The subsidy is not a discount at purchase time. You pay your vendor for the full installation, and the government reimburses it into your bank account through Direct Benefit Transfer (DBT) after verification.

After installation, your DISCOM inspects the system against the approved application. Once it passes, you receive a commissioning certificate, submit bank details and final paperwork on the portal, and the subsidy is credited to your bank account, typically within about 30 days of the final submission per government guidance.

You can track your application and subsidy status by logging in to the portal. If the money is late, the usual causes are incorrect bank details or missing commissioning paperwork.

What Is Net Metering Under PM Surya Ghar?

Net metering uses a bidirectional meter that records the electricity you draw from the grid and the surplus solar power you export to it. How the surplus is adjusted, as bill credits or payment for exported units, depends on your state’s net-metering regulations applied by your DISCOM, and rules vary by state.

Note the order: net metering comes after installation and before the final subsidy claim, and skipping it is a known cause of rejected claims.

Worked Example: Net Cost of a 3 kW System (Illustrative)

The table shows how the subsidy changes the real cost of a typical 3 kW system. This is an illustrative example, not a quote: prices vary by vendor, module brand, state and roof condition, so get at least two registered-vendor quotes from the portal.

Assumptions: complete system price of Rs 2.30 to 2.40 lakh (Freyr Energy’s current residential reference pricing, cited in September 2026 reporting), covering panels, inverter, mounting structure, net meter, installation and commissioning; central subsidy of Rs 78,000; no state top-up; customer pays the full price upfront and receives the subsidy by DBT after commissioning.

Item	Amount
Complete 3 kW system cost (before subsidy)	Rs 2,30,000 to Rs 2,40,000
Central Financial Assistance (Rs 60,000 + Rs 18,000)	minus Rs 78,000
Your net cost after subsidy	Rs 1,52,000 to Rs 1,62,000

On a Rs 2.35 lakh system, the subsidy cuts the effective cost to roughly Rs 1.57 lakh, about one-third less. A 3 kW system generates roughly 360 units a month under good conditions (a planning estimate that varies with sunlight, shading and location), which is why the scheme is built around the 300-units-a-month goal.

Why Do PM Surya Ghar Subsidy Claims Get Rejected?

Common reasons for delayed or rejected claims:

• Installing before DISCOM approval. Per MNRE guidelines, installation must not begin before feasibility approval.
• Non-DCR modules. Panels not made in India from domestically made cells make the installation ineligible for CFA.
• Wrong consumer details. A mistyped consumer number or mobile number stalls the application.
• Unregistered vendor. Using a vendor not listed on the portal breaks the chain the DISCOM inspects.
• Incorrect bank details. Wrong account numbers or IFSC codes stop the DBT payment.
• Skipping net metering or commissioning. The subsidy is released only after inspection, the commissioning certificate and the completed portal submission.
• Assuming the subsidy grows beyond 3 kW. A 5 kW system still gets a maximum of Rs 78,000.

What Does the PM Surya Ghar Subsidy NOT Cover?

• Capacity above 3 kW gets no extra central subsidy. You may install 5 kW or 10 kW, but the maximum central CFA stays Rs 78,000.
• Commercial and institutional consumers do not get the residential CFA. The Rs 30,000/60,000/78,000 slabs are for residential households only.
• Tenants cannot claim the subsidy independently. Eligibility requires owning the house and holding the electricity connection, so the property owner must apply.
• State top-ups are not automatic everywhere. Only some states add extra money, and these benefits change over time. Confirm with your state agency or DISCOM before adding them to your budget.
• Only DCR-compliant equipment is covered. Installations that do not meet the scheme’s technical standards get no subsidy.

---

Frequently Asked Questions

Is the PM Surya Ghar subsidy available for a 5 kW system?

Yes, but the central CFA is capped at Rs 78,000, the same as for a 3 kW system.

Can tenants apply for the PM Surya Ghar subsidy?

No. Eligibility requires owning the house and holding the electricity connection, so a tenant cannot claim the subsidy independently.

How do I check my PM Surya Ghar subsidy status?

Log in to pmsuryaghar.gov.in with your registered consumer details. After installation and commissioning, the portal shows the subsidy stage. Make sure your bank details are correct and all commissioning information is submitted.

Do state governments give extra subsidy on top of the central subsidy?

Some do. As of September 2026, Delhi offers a matching Rs 78,000 state subsidy (total up to Rs 1.56 lakh) for eligible households. State incentives vary and change often, so check your state’s latest announcement first.

Can I get a loan for the remaining cost of the system?

Yes. As of July 2026, nationalised banks offered collateral-free loans at the repo rate plus 50 basis points, 5.75 percent per year, with a 10-year tenure.

How much is the PM Surya Ghar subsidy for 3kW?

The PM Surya Ghar subsidy is Rs 78,000 for 3kW systems. The PM Surya Ghar subsidy is Rs 30,000 for 1kW and Rs 60,000 for 2kW, paid directly to your bank account.

The Bottom Line

The pm surya ghar subsidy in 2026 is simple: Rs 30,000 for 1 kW, Rs 60,000 for 2 kW, and a maximum of Rs 78,000 for 3 kW and above, paid by Direct Benefit Transfer into your bank account after DISCOM inspection and commissioning. Special category states get 10 percent more per kW, and housing societies get Rs 18,000 per kW for common facilities.

If you own a house with a suitable roof and a valid electricity connection, register on the National Portal, wait for DISCOM feasibility approval, install through a registered vendor using DCR-compliant modules, complete net metering, and submit your final paperwork. Avoid installing too early or submitting wrong bank details, and the subsidy follows.

Last reviewed: 11 October 2026

Subsidy amounts and scheme rules can change. Always confirm the latest figures on the official portal pmsuryaghar.gov.in or your state’s renewable energy agency before applying.

By TheSolarCost Editorial Team