PM Surya Ghar: Muft Bijli Yojana
Get up to ₹78,000 from the government.
Direct cash subsidy to your bank account when you install rooftop solar. SOLGURU handles 100% of the paperwork — you don't visit a single office.
The Scheme
What is PM Surya Ghar?
PM Surya Ghar — Muft Bijli Yojana is a Government of India scheme launched by the Ministry of New & Renewable Energy (MNRE) to promote rooftop solar for residential households. The government provides a direct cash subsidy to your bank account — covering 30–60% of the total installation cost.
How the Subsidy Math Works
The central subsidy is calculated at a rate of ₹30,000 per kW for the first 2 kW, and ₹18,000 for the 3rd kW. Here are three simple examples:
Who is Eligible?
The Process
6 steps to your subsidy.
Register on the National Portal
Register as a residential consumer on the PM Surya Ghar national portal.
- 📄 Latest electricity bill (for consumer number)
- 📄 Aadhaar card (for KYC)
- 📄 Bank account details (for subsidy credit)
- 📄 Mobile number (for OTP)
Apply for Rooftop Solar
Log in and fill the solar application form — select state, DISCOM, consumer number, system size, and choose an empanelled vendor.
- Select your state and DISCOM
- Enter consumer number and sanctioned load
- Choose system size (1 kW / 2 kW / 3 kW+)
- Select an empanelled vendor from the portal list
DISCOM Feasibility Approval
Your local DISCOM reviews the application, checks grid capacity, sanctioned load, and technical constraints.
- Is there sufficient grid capacity in your area?
- Is your sanctioned load enough?
- Any technical constraints?
Once approved, you receive a feasibility approval letter on the portal — your green signal to proceed.
Installation by Empanelled Vendor
The vendor installs the solar system on your rooftop.
- Panel mounting structure + solar panels
- Inverter installation + wiring
- DC distribution box + AC distribution box
- Earthing and safety devices
After installation, the vendor uploads the commissioning report on the portal with photos.
Net Meter + DISCOM Inspection
After solar installation, the DISCOM sends a team to inspect, install a bi-directional meter, and commission the system.
- Inspect installation for safety and compliance
- Install bi-directional (net) meter
- Commission system on their network
Subsidy Credited to Your Bank
After DISCOM confirms commissioning on the portal, MNRE verifies the installation and the subsidy is released directly to your Aadhaar-linked bank account.
- MNRE verifies installation details
- Subsidy amount released
- Money credited to Aadhaar-linked bank account
Timeline
Realistic timeline: 45–90 days
From registration to subsidy in your bank. Fastest states: Gujarat, Rajasthan, Maharashtra.
Day 1
Registration + Application
Register on portal, submit application, select vendor
Day 1–15
Bank Loan Approval (Parallel)
Apply via Jan Samarth portal. Bank checks CIBIL & sanctions loan
Day 7–15
Feasibility Approval
DISCOM reviews and approves (varies by state)
Day 15–25
Installation
Vendor installs solar panels + inverter (1–3 days work)
Day 25–60
Net Meter + Inspection
DISCOM installs bi-directional meter, commissions system
Day 60–90
Subsidy in Bank 🎉
₹30,000 to ₹78,000 deposited to your bank account
Checklist
Documents you'll need
2025–26 Data
State-Wise Additional Subsidies
While the central PM Surya Ghar subsidy is uniform across India, some states offer extra financial incentives. Compare the top 15 solar states below.
| State / UT | Central Subsidy | Additional State Subsidy |
|---|---|---|
| Uttar Pradesh | Up to ₹78,000 | ✨₹15,000 per kW (Max ₹30,000 additional subsidy for 2kW+) |
| Delhi | Up to ₹78,000 | ✨₹10,000 per kW (Max ₹30,000 additional subsidy) + GBI ₹2–3/unit |
| Tamil Nadu | Up to ₹78,000 | ✨₹20,000 per kW (CM Capital Incentive) |
| Rajasthan | Up to ₹78,000 | No Additional State Subsidy (Special ₹17,000 max for 100 free units users) |
| Maharashtra | Up to ₹78,000 | No Additional State Subsidy (SMART scheme for BPL/Low income) |
| Gujarat | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Karnataka | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Kerala | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Madhya Pradesh | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Haryana | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Punjab | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Telangana | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Andhra Pradesh | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| West Bengal | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
| Bihar | Up to ₹78,000 | No Additional State Subsidy (Central Subsidy Only) |
Note: State incentives are subject to budget availability and scheme notifications. Always verify with your local DISCOM during application.
Common Pitfalls
Reasons subsidies get rejected
"Name Mismatch (DISCOM vs Aadhaar vs PAN)"
Fix: Your name on the electricity bill, Aadhaar card, and PAN card must match EXACTLY. Name change in DISCOM takes time, so start this early.
"Phone Number Mismatch"
Fix: The mobile number registered with your Aadhaar, Bank account, and DISCOM must be the same to avoid OTP and DBT (Direct Benefit Transfer) failures.
"Insufficient CIBIL Score"
Fix: If applying for a solar loan via Jan Samarth, banks require a healthy CIBIL score. A poor score will result in loan rejection and halt the project.
"Pending Load Extension or New Connection"
Fix: If your sanctioned load is less than your solar capacity, the load extension or new connection process with the DISCOM can take weeks, heavily delaying feasibility approval.
"Aadhaar not linked to bank account"
Fix: Visit your bank branch and request Aadhaar-bank seeding for DBT. Subsidy transfer will fail if KYC is incomplete or the account is frozen.
"Vendor not empanelled"
Fix: Always verify your vendor is listed on the PM Surya Ghar portal. Unregistered vendors cannot process the subsidy.
"Incomplete Commissioning Report"
Fix: Your vendor must upload all required photos (panels, inverter, meter, earthing) with exact coordinates on the portal.
Don't leave ₹78,000 on the table.
SOLGURU handles every step — registration, DISCOM, installation, net metering, subsidy application — so you get the maximum benefit with zero effort.
Related Guides
Solve application blockers
Most PM Surya Ghar delays are caused by document mismatches or DISCOM issues. Use these guides to fix them before they block your subsidy.
Jan Samarth Solar Loan Guide
Collateral-free loan at ~7% interest
PAN & Aadhaar Name Mismatch
Fix name differences across documents
Mobile Number Mismatch
Sync Aadhaar, Bank & DISCOM numbers
Low CIBIL Score Fix
Improve your score for loan approval
DISCOM Name Change
Transfer or correct electricity bill name
Load Extension Guide
Increase sanctioned load for solar
NPA & CIBIL Resolution
Clear NPA flags from your credit report
Installation & Vendor Issues
Resolve post-installation blockers
Track Your Application
Check status & escalate delays
FAQ
Frequently Asked Questions
How long does it take to receive the PM Surya Ghar subsidy?
The typical timeline from registration to subsidy credit is 60–120 days (2–4 months). The fastest states process it in 45 days. The biggest delays usually occur during the DISCOM feasibility check and net meter installation stages.
Can I install solar if I live in an apartment?
Individual flat owners generally cannot apply. However, if your housing society or RWA registers as a group on the PM Surya Ghar portal, the society can install rooftop solar on the common terrace and apply for the subsidy collectively.
What happens if my name on the electricity bill is different from Aadhaar?
Your subsidy application will be rejected. The name on your electricity bill (DISCOM record), Aadhaar card, and bank account must match exactly. See our KYC Mismatch Guide for step-by-step resolution.
Is the subsidy available for commercial or industrial connections?
No. PM Surya Ghar is exclusively for domestic/residential electricity connections (LT-1 category). Commercial and industrial consumers can benefit from Accelerated Depreciation (40% in Year 1) and other state-level incentives instead.
Do I need to take a loan, or can I pay upfront?
You can either pay the full amount upfront to your vendor or apply for a collateral-free solar loan at ~7% interest through the Jan Samarth Portal. Many homeowners prefer the loan route since the subsidy reduces the outstanding principal after commissioning.
Official Sources:
Last updated: June 2026