PM Surya Ghar Muft Bijli Yojana 2026–27: ₹78,000 Subsidy, 1–10 kW Solar Prices, Eligibility, Loans & Apply Online
Updated 9 November 2026 | Wattscore Energy | Rajasthan and India rooftop solar guide. PM Surya Ghar: Muft Bijli Yojana offers eligible residential rooftop solar consumers central financial assistance (CFA) up to ₹78,000. Some eligible Rajasthan households may receive an additional ₹17,000 state benefit. This guide explains subsidy, indicative installed prices, financing, online applications, net metering and engineering decisions. PM Surya Ghar 2026–27: Quick Facts Ministry: MNRE; approved central outlay: ₹75,021 crore; target: one crore households. Central subsidy: 1 kW ₹30,000; 2 kW ₹60,000; 3 kW or higher ₹78,000 maximum. Rajasthan additional assistance: ₹17,000 only for qualifying state-scheme beneficiaries, not all consumers. National Portal Scheme implementation horizon: FY 2026–27. The one-crore active-application provision is distinct from the installation target and does not by itself establish a fixed registration-closure date. 1. What is PM Surya Ghar Muft Bijli Yojana? Launched in February 2024, the programme promotes grid-connected residential rooftop solar through central subsidies, financing and DISCOM coordination. Its objective of enabling up to 300 units of free electricity monthly is a programme goal, not a guarantee that every bill becomes zero. Actual savings depend on plant size, household consumption, daytime self-use, export settlement, tariffs, shading, maintenance and fixed charges. 2. Official central subsidy chart for 2026–27 For eligible residential systems in general-category states including Rajasthan, CFA is ₹30,000 per kW for the first 2 kW, then ₹18,000 for the additional capacity from 2 to 3 kW. The maximum is ₹78,000 at 3 kW or above. 1 kW: ₹30,000; 1.5 kW: ₹45,000; 2 kW: ₹60,000; 2.5 kW: ₹69,000. 3 kW, 4 kW, 5 kW, 6 kW, 8 kW or 10 kW: maximum ₹78,000 central CFA. CFA depends on eligible solar PV module capacity and scheme compliance, not merely inverter rating. Can Rajasthan homeowners receive ₹95,000? Certain eligible beneficiaries of the Mukhyamantri Nishulk Bijli Yojana may qualify for ₹17,000 Rajasthan assistance in addition to up to ₹78,000 central CFA, giving a potential combined ₹95,000. The state incentive is not automatic for all residential connections. Verify current DISCOM eligibility and payment arrangements before deducting it from a quotation. 3. Rooftop solar price: 1 kW to 10 kW in Rajasthan Indicative 2026–27 turnkey planning ranges below are from Wattscore’s supplied price model, not fixed government rates or binding vendor quotations. Roof structure, inverter and module models, wiring, protections, civil work and location affect final pricing. Net figures subtract only the central CFA, assuming full eligibility and successful payment. 1 kW: gross ₹65,000–₹75,000; CFA ₹30,000; net ₹35,000–₹45,000. 2 kW: gross ₹1,30,000–₹1,45,000; CFA ₹60,000; net ₹70,000–₹85,000. 3 kW: gross ₹1,85,000–₹2,05,000; CFA ₹78,000; net ₹1,07,000–₹1,27,000. 4 kW: gross ₹2,35,000–₹2,55,000; CFA ₹78,000; net ₹1,57,000–₹1,77,000. 5 kW: gross ₹2,85,000–₹3,15,000; CFA ₹78,000; net ₹2,07,000–₹2,37,000. 8 kW: gross ₹4,30,000–₹4,70,000; CFA ₹78,000; net ₹3,52,000–₹3,92,000. 10 kW: gross ₹5,20,000–₹5,70,000; CFA ₹78,000; net ₹4,42,000–₹4,92,000. How much electricity will solar generate? For preliminary Rajasthan planning, assume 1,300–1,600 kWh per kW annually. This is about 108–133 units monthly per kW, or 325–400 units monthly for a 3 kW system, averaged over a year. Seasonality, shading and equipment losses can materially change actual output. Require a site-specific simulation. 4. Why a 3 kW system is popular At an illustrative installed cost of ₹1,85,000 less eligible ₹78,000 CFA, net investment is ₹1,07,000. If annual generation is 4,380 units and the average effective electricity value is ₹6 per unit, gross annual benefit is ₹26,280 and simple gross payback approximately 4.1 years. At ₹4.50 per unit the benefit falls to ₹19,710 and payback increases to approximately 5.4 years. These examples exclude maintenance, inverter replacement, financing, degradation and time value of money. 5. PM Surya Ghar solar loans, EMI and subsidy adjustment Concessional loans may be available through participating banks. Rates around 5.75% have been advertised for some eligible smaller systems, but actual interest, loan limits, credit assessment, margin, fees, security and subsidy handling depend on the lender and can change. A bank application does not guarantee sanction. Illustration: a ₹1,85,000 project financed at 90% initially means ₹1,66,500 loan principal and ₹18,500 consumer margin. At 5.75% per year, initial EMI is about ₹3,200 for five years or ₹1,830 for ten years. If ₹78,000 subsidy later reduces principal, the bank decides whether EMI or tenure changes. If the opening financed amount were instead ₹1,07,000, approximate EMI would be ₹2,056 over five years or ₹1,175 over ten years. Do not assume subsidy arrives before the first EMI. 6. Eligibility and documents Confirm an eligible active residential electricity connection and permitted grid-connected rooftop site. Confirm the vendor is currently registered under PM Surya Ghar. Confirm modules meet Domestic Content Requirement and applicable ALMM requirements. Confirm the installation has not exhausted its CFA entitlement and meets safety and commissioning rules. Keep the electricity bill, mobile number, required identity details, bank or loan details, vendor agreement, installation photographs and commissioning records ready. Commercial and industrial connections do not receive individual residential CFA merely because panels are installed on a roof. Always follow the current portal document checklist. 7. How to apply online for PM Surya Ghar Register at Check consumer name, sanctioned load, connection category and proposed capacity; resolve discrepancies. Compare registered vendors, exact equipment models, engineering scope, warranties and after-sales support. Review financing, effective interest, bank eligibility and subsidy-adjustment terms. Sign a clear vendor agreement and complete compliant installation. Complete electrical testing, portal documentation and required photographs. Obtain applicable DISCOM inspection, bidirectional metering and commissioning approval. Complete CFA claim formalities and track disbursement; do not assume a guaranteed fixed payment date. 8. Rajasthan net metering: JVVNL, AVVNL and JdVVNL Under applicable RERC rules, eligible consumers can account for grid imports and exports. Before choosing capacity, confirm permitted capacity versus sanctioned load, billing credits, carry-forward and surplus settlement, fixed charges and required approvals. Do not assume exported energy always has the same financial value as direct self-consumption; current tariff orders and regulations govern. 9. Five engineering checks before installation Verify DCR-compliant domestic solar cells/modules and applicable ALMM listing documentation. Assess roof integrity, waterproofing, wind loading, anchoring and elevated structure suitability. Design earthing, bonding, AC/DC isolation, surge protection, cabling and safe shutdown correctly. Check inverter voltage range, DC/AC sizing limits, monitoring and local service support. Document five-year applicable vendor maintenance obligations, warranty exclusions and escalation contacts. 10. On-grid solar versus hybrid solar with battery Standard on-grid solar generally offers lower upfront cost for bill savings, but typical grid-tied inverters shut down during outages. A compatible hybrid inverter, battery and correctly designed backup circuits are required for outage backup. Batteries add cost, losses, degradation and potential replacement. PM Surya Ghar does not provide a universal separate ₹78,000 battery subsidy. 11. Choosing a vendor: compare lifetime value Verify current scheme registration and completed local projects. Ask for exact module/inverter models and structure design. Check protective devices, testing and commissioning deliverables. Identify who manages DISCOM documents, net metering and CFA follow-up. Confirm written five-year maintenance obligations and escalation process. Compare total price, exclusions, milestones, monitoring and warranty response—not just the lowest bid. 12. Frequently asked questions What is the 3 kW subsidy in 2026? The maximum central CFA for an eligible 3 kW residential installation is ₹78,000. What about 5 kW or 10 kW? The individual residential central CFA remains capped at ₹78,000 for eligible systems at 3 kW or above. Is ₹95,000 available to everyone in Rajasthan? No. The additional ₹17,000 is restricted to eligible state-scheme beneficiaries and applicable conditions. How much does 3 kW cost after central subsidy? Using the indicative model, approximately ₹1.07–₹1.27 lakh after eligible central CFA, excluding any separate state incentive. Is 5.75% solar interest guaranteed? No. Check current participating-bank pricing and individual sanction conditions. Will the electricity bill become zero? Not necessarily; generation, tariff slabs, metering, consumption and fixed charges matter. Is a battery mandatory? No universal battery requirement applies to conventional eligible grid-connected residential rooftop solar. Can purely off-grid solar claim residential CFA? No; this CFA component is designed for eligible grid-connected residential rooftop systems. What is the last date to register? The scheme has an FY 2026–27 implementation horizon and a separate one-crore active-application provision. Do not treat either as an official fixed portal shutdown date without current MNRE confirmation. Can an unregistered installer claim CFA? The applicable registered-vendor and installation requirements must be met. How quickly is subsidy paid? It depends on commissioning, validation, portal processing and banking. Track the actual status. 13. Get a rooftop solar assessment from Wattscore Wattscore Energy helps homeowners evaluate electricity bills, roof suitability, plant size, indicative savings, financing, compliant installation and long-term maintenance. Request a site-specific survey and written quotation before deciding. Contact Official sources and related Wattscore guides Government of India Cabinet approval and CFA MNRE final CFA operational guidelines National Portal SBI solar loan terms Wattscore 1 crore active-application analysis Wattscore Rajasthan additional subsidy Wattscore DRE-PMT net metering Wattscore battery cost Editorial note: Government rules and bank offers can change. Prices, generation, savings and payback are indicative and require site-specific validation.
Updated 9 November 2026 | Wattscore Energy | Rajasthan and India rooftop solar guide. PM Surya Ghar: Muft Bijli Yojana offers eligible residential rooftop solar consumers central financial assistance (CFA) up to ₹78,000. Some eligible Rajasthan households may receive an additional ₹17,000 state benefit. This guide explains subsidy, indicative installed prices, financing, online applications, net metering and engineering decisions. PM Surya Ghar 2026–27: Quick Facts Ministry: MNRE; approved central outlay: ₹75,021 crore; target: one crore households. Central subsidy: 1 kW ₹30,000; 2 kW ₹60,000; 3 kW or higher ₹78,000 maximum. Rajasthan additional assistance: ₹17,000 only for qualifying state-scheme beneficiaries, not all consumers. National Portal Scheme implementation horizon: FY 2026–27. The one-crore active-application provision is distinct from the installation target and does not by itself establish a fixed registration-closure date. 1. What is PM Surya Ghar Muft Bijli Yojana? Launched in February 2024, the programme promotes grid-connected residential rooftop solar through central subsidies, financing and DISCOM coordination. Its objective of enabling up to 300 units of free electricity monthly is a programme goal, not a guarantee that every bill becomes zero. Actual savings depend on plant size, household consumption, daytime self-use, export settlement, tariffs, shading, maintenance and fixed charges. 2. Official central subsidy chart for 2026–27 For eligible residential systems in general-category states including Rajasthan, CFA is ₹30,000 per kW for the first 2 kW, then ₹18,000 for the additional capacity from 2 to 3 kW. The maximum is ₹78,000 at 3 kW or above. 1 kW: ₹30,000; 1.5 kW: ₹45,000; 2 kW: ₹60,000; 2.5 kW: ₹69,000. 3 kW, 4 kW, 5 kW, 6 kW, 8 kW or 10 kW: maximum ₹78,000 central CFA. CFA depends on eligible solar PV module capacity and scheme compliance, not merely inverter rating. Can Rajasthan homeowners receive ₹95,000? Certain eligible beneficiaries of the Mukhyamantri Nishulk Bijli Yojana may qualify for ₹17,000 Rajasthan assistance in addition to up to ₹78,000 central CFA, giving a potential combined ₹95,000. The state incentive is not automatic for all residential connections. Verify current DISCOM eligibility and payment arrangements before deducting it from a quotation. 3. Rooftop solar price: 1 kW to 10 kW in Rajasthan Indicative 2026–27 turnkey planning ranges below are from Wattscore’s supplied price model, not fixed government rates or binding vendor quotations. Roof structure, inverter and module models, wiring, protections, civil work and location affect final pricing. Net figures subtract only the central CFA, assuming full eligibility and successful payment. 1 kW: gross ₹65,000–₹75,000; CFA ₹30,000; net ₹35,000–₹45,000. 2 kW: gross ₹1,30,000–₹1,45,000; CFA ₹60,000; net ₹70,000–₹85,000. 3 kW: gross ₹1,85,000–₹2,05,000; CFA ₹78,000; net ₹1,07,000–₹1,27,000. 4 kW: gross ₹2,35,000–₹2,55,000; CFA ₹78,000; net ₹1,57,000–₹1,77,000. 5 kW: gross ₹2,85,000–₹3,15,000; CFA ₹78,000; net ₹2,07,000–₹2,37,000. 8 kW: gross ₹4,30,000–₹4,70,000; CFA ₹78,000; net ₹3,52,000–₹3,92,000. 10 kW: gross ₹5,20,000–₹5,70,000; CFA ₹78,000; net ₹4,42,000–₹4,92,000. How much electricity will solar generate? For preliminary Rajasthan planning, assume 1,300–1,600 kWh per kW annually. This is about 108–133 units monthly per kW, or 325–400 units monthly for a 3 kW system, averaged over a year. Seasonality, shading and equipment losses can materially change actual output. Require a site-specific simulation. 4. Why a 3 kW system is popular At an illustrative installed cost of ₹1,85,000 less eligible ₹78,000 CFA, net investment is ₹1,07,000. If annual generation is 4,380 units and the average effective electricity value is ₹6 per unit, gross annual benefit is ₹26,280 and simple gross payback approximately 4.1 years. At ₹4.50 per unit the benefit falls to ₹19,710 and payback increases to approximately 5.4 years. These examples exclude maintenance, inverter replacement, financing, degradation and time value of money. 5. PM Surya Ghar solar loans, EMI and subsidy adjustment Concessional loans may be available through participating banks. Rates around 5.75% have been advertised for some eligible smaller systems, but actual interest, loan limits, credit assessment, margin, fees, security and subsidy handling depend on the lender and can change. A bank application does not guarantee sanction. Illustration: a ₹1,85,000 project financed at 90% initially means ₹1,66,500 loan principal and ₹18,500 consumer margin. At 5.75% per year, initial EMI is about ₹3,200 for five years or ₹1,830 for ten years. If ₹78,000 subsidy later reduces principal, the bank decides whether EMI or tenure changes. If the opening financed amount were instead ₹1,07,000, approximate EMI would be ₹2,056 over five years or ₹1,175 over ten years. Do not assume subsidy arrives before the first EMI. 6. Eligibility and documents Confirm an eligible active residential electricity connection and permitted grid-connected rooftop site. Confirm the vendor is currently registered under PM Surya Ghar. Confirm modules meet Domestic Content Requirement and applicable ALMM requirements. Confirm the installation has not exhausted its CFA entitlement and meets safety and commissioning rules. Keep the electricity bill, mobile number, required identity details, bank or loan details, vendor agreement, installation photographs and commissioning records ready. Commercial and industrial connections do not receive individual residential CFA merely because panels are installed on a roof. Always follow the current portal document checklist. 7. How to apply online for PM Surya Ghar Register at Check consumer name, sanctioned load, connection category and proposed capacity; resolve discrepancies. Compare registered vendors, exact equipment models, engineering scope, warranties and after-sales support. Review financing, effective interest, bank eligibility and subsidy-adjustment terms. Sign a clear vendor agreement and complete compliant installation. Complete electrical testing, portal documentation and required photographs. Obtain applicable DISCOM inspection, bidirectional metering and commissioning approval. Complete CFA claim formalities and track disbursement; do not assume a guaranteed fixed payment date. 8. Rajasthan net metering: JVVNL, AVVNL and JdVVNL Under applicable RERC rules, eligible consumers can account for grid imports and exports. Before choosing capacity, confirm permitted capacity versus sanctioned load, billing credits, carry-forward and surplus settlement, fixed charges and required approvals. Do not assume exported energy always has the same financial value as direct self-consumption; current tariff orders and regulations govern. 9. Five engineering checks before installation Verify DCR-compliant domestic solar cells/modules and applicable ALMM listing documentation. Assess roof integrity, waterproofing, wind loading, anchoring and elevated structure suitability. Design earthing, bonding, AC/DC isolation, surge protection, cabling and safe shutdown correctly. Check inverter voltage range, DC/AC sizing limits, monitoring and local service support. Document five-year applicable vendor maintenance obligations, warranty exclusions and escalation contacts. 10. On-grid solar versus hybrid solar with battery Standard on-grid solar generally offers lower upfront cost for bill savings, but typical grid-tied inverters shut down during outages. A compatible hybrid inverter, battery and correctly designed backup circuits are required for outage backup. Batteries add cost, losses, degradation and potential replacement. PM Surya Ghar does not provide a universal separate ₹78,000 battery subsidy. 11. Choosing a vendor: compare lifetime value Verify current scheme registration and completed local projects. Ask for exact module/inverter models and structure design. Check protective devices, testing and commissioning deliverables. Identify who manages DISCOM documents, net metering and CFA follow-up. Confirm written five-year maintenance obligations and escalation process. Compare total price, exclusions, milestones, monitoring and warranty response—not just the lowest bid. 12. Frequently asked questions What is the 3 kW subsidy in 2026? The maximum central CFA for an eligible 3 kW residential installation is ₹78,000. What about 5 kW or 10 kW? The individual residential central CFA remains capped at ₹78,000 for eligible systems at 3 kW or above. Is ₹95,000 available to everyone in Rajasthan? No. The additional ₹17,000 is restricted to eligible state-scheme beneficiaries and applicable conditions. How much does 3 kW cost after central subsidy? Using the indicative model, approximately ₹1.07–₹1.27 lakh after eligible central CFA, excluding any separate state incentive. Is 5.75% solar interest guaranteed? No. Check current participating-bank pricing and individual sanction conditions. Will the electricity bill become zero? Not necessarily; generation, tariff slabs, metering, consumption and fixed charges matter. Is a battery mandatory? No universal battery requirement applies to conventional eligible grid-connected residential rooftop solar. Can purely off-grid solar claim residential CFA? No; this CFA component is designed for eligible grid-connected residential rooftop systems. What is the last date to register? The scheme has an FY 2026–27 implementation horizon and a separate one-crore active-application provision. Do not treat either as an official fixed portal shutdown date without current MNRE confirmation. Can an unregistered installer claim CFA? The applicable registered-vendor and installation requirements must be met. How quickly is subsidy paid? It depends on commissioning, validation, portal processing and banking. Track the actual status. 13. Get a rooftop solar assessment from Wattscore Wattscore Energy helps homeowners evaluate electricity bills, roof suitability, plant size, indicative savings, financing, compliant installation and long-term maintenance. Request a site-specific survey and written quotation before deciding. Contact Official sources and related Wattscore guides Government of India Cabinet approval and CFA MNRE final CFA operational guidelines National Portal SBI solar loan terms Wattscore 1 crore active-application analysis Wattscore Rajasthan additional subsidy Wattscore DRE-PMT net metering Wattscore battery cost Editorial note: Government rules and bank offers can change. Prices, generation, savings and payback are indicative and require site-specific validation.