Calculate Central Financial Assistance (CFA) subsidy under the PM Surya Ghar Muft Bijli Yojana — ₹30,000 for 1kW, ₹60,000 for 2kW, ₹78,000 cap for 3kW+. Direct-bank-transfer post-installation by a DISCOM-empanelled vendor.
Reviewed by the CalculatorKosh Editorial TeamUpdated June 2026Free · No sign-up
PM Surya Ghar Subsidy Calculator
Calculate Central Financial Assistance (CFA) subsidy under the PM Surya Ghar Muft Bijli Yojana — ₹30,000 for 1kW, ₹60,000 for 2kW, ₹78,000 cap for 3kW+. Direct-bank-transfer post-installation by a DISCOM-empanelled vendor.
System & location
Residential range 1-10 kW; central CFA caps at ₹78K at 3 kW
Typical 2025-26 vendor pricing: ₹50,000-65,000/kW (monocrystalline)
Your consumption
Check your DISCOM bill for the per-unit slab rate
Average monthly units across the year
Financing
Total subsidy
₹78,000 central + ₹20,000 state · 59.4% of system cost
System cost
₹1.6 L
₹1,65,000
Central subsidy
₹78,000
Net cost
₹67,000
₹67,000
Payback
1.86 yr
Subsidy breakdown
Subsidy slab applied
Your 3 kW system falls in the 3 kW and above (capped) central CFA slab — ₹78,000.
Subsidy across system sizes
Central CFA + Maharashtra state top-up at each capacity
| Size | Central | State | Total |
|---|---|---|---|
| 1 kW | ₹30,000 | ₹20,000 | ₹50,000 |
| 2 kW | ₹60,000 | ₹20,000 | ₹80,000 |
| 3 kW | ₹78,000 | ₹20,000 | ₹98,000 |
| 5 kW | ₹78,000 | ₹20,000 | ₹98,000 |
| 10 kW | ₹78,000 | ₹20,000 | ₹98,000 |
After installation
DBT (Direct Bank Transfer) typically within 30 days of net-metering connection + commissioning certificate. Use a DISCOM-empanelled vendor — list on pmsuryaghar.gov.in. Roof area needed: ~100 sqft per kW (so 3 kW = 300 sqft minimum).
Total subsidy by capacity (Maharashtra)
Notice the central CFA cap kicking in at 3 kW — extra capacity gives more generation but no extra central subsidy.
Next step — full ROI picture
Full Solar ROI with payback chart and 25-year lifetime savings → Solar Rooftop ROI Calculator
How It Works
This PM Surya Ghar Subsidy Calculator computes the Central Financial Assistance (CFA) under the PM Surya Ghar Muft Bijli Yojana plus any state-level top-up, your net out-of-pocket cost, the annual electricity bill savings, and the simple payback period. If you choose the collateral-free PM Surya Ghar loan (up to ₹2 lakh at 6.75% subsidised rate), it also computes the EMI.
How the math works
- Central CFA = ₹30,000 (1 kW) → ₹60,000 (2 kW) → ₹78,000 (3 kW and above, capped — no additional CFA above 3 kW for individual residential)
- State top-up = per-kW rate × min(systemKw, state eligibility cap) — Maharashtra ₹20K (1 kW), Gujarat ₹40K (2 kW), UP ₹15K/kW up to 2 kW, Delhi ₹2K/kW up to 10 kW, Tamil Nadu ₹20K/kW up to 2 kW
- Total subsidy = Central + State top-up
- Net cost = (systemKw × cost/kW) − Total subsidy
- Annual generation = systemKw × 1,500 kWh (average residential yield)
- Annual savings = min(generation, consumption) × tariff — capped at consumption because surplus units feed the grid but don't pay cash under most state net-metering policies
- Simple payback = Net cost ÷ Annual savings
- Loan EMI (if loan chosen) = standard reducing-balance EMI on min(netCost, ₹2 lakh) at 6.75% for chosen tenure
Eligibility checklist
You must be a residential consumer (NOT commercial/industrial), own the roof or have a society NoC, install via a DISCOM-empanelled vendor (list at pmsuryaghar.gov.in), and complete net-metering connection. Roof needs ~100 sqft per kW of shadow-free area (so 3 kW = 300 sqft, 10 kW = 1,000 sqft). Documents: Aadhaar, latest electricity bill with consumer number, bank account details for DBT, roof ownership proof or society NoC.
Frequently Asked Questions
PM Surya Ghar Muft Bijli Yojana is the flagship rooftop solar scheme launched by the Government of India in February 2024 with a ₹75,000 crore outlay. The scheme targets 1 crore households by March 2027 with free solar power up to 300 units/month.
The Central Financial Assistance (CFA) is paid as Direct Bank Transfer to the consumer's account within 30 days of net-meter commissioning by a DISCOM-empanelled vendor:
- ₹30,000 for 1 kW
- ₹60,000 for 2 kW
- ₹78,000 for 3 kW and above (capped)
The scheme also offers collateral-free loans up to ₹2 lakh at 6.75% subsidised interest via PSU and select private banks. Apply at pmsuryaghar.gov.in.
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