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PRECISION INDIAN ROOFTOP SOLAR ENGINE

Calculate Your Solar Savings & Govt Subsidy

Calibrated for 2026 State DISCOM tariffs, PM Surya Ghar central subsidies up to ₹85,800, and 7% JanSamarth bank loans.

1

Configure Your Roof & Bill

DISCOM Utility: BESCOM / MESCOM / HESCOM
Avg. Tariff & Solar Yield: ₹8.20/unit • 4.3 kWh/kW/day
Subsidy Slab Tier: General Category (Max ₹78k)
₹ / mo
Est. Consumption ~488 Units (kWh)
₹1,000 ₹12,500 ₹25,000+
Quick Tap:
500 sq. ft.
100 sq.ft. (1 BHK) 1,200 sq.ft. 2,500+ sq.ft.
Recommended System Size Subsidy Sweet Spot (Max ₹78k Cap)

3.0 kW

~4,644 Units / yr

Requires ~6 Solar Panels (545W DCR) • 285 sq. ft. shadow-free roof

Effective Net Out-of-Pocket ₹1,11,000 After ₹78,000 Govt Subsidy
Monthly Bill Savings ₹3,173/mo Up to 95% bill drop
Payback Period 2.8 Years 22+ yrs free electricity
25-Year Lifetime Savings ₹13.45 Lakhs Incl. tariff inflation

Net Investment Waterfall

DCR Turnkey
Gross Market System Cost Mono PERC DCR + Inverter + GI Structure
₹1,89,000
Minus: Central Subsidy PM Surya Ghar (Max 3 kW Slab)
- ₹78,000
Minus: State Top-Up / GBI State-specific capital incentive
- ₹0
Net Out-of-Pocket Cost Includes 5-Yr AMC & Net-Metering
₹1,11,000

Solar Loan EMI vs Current Bill

JanSamarth 7%

Finance your net cost post-subsidy via SBI / Canara Bank PM Surya Ghar loan with zero collateral:

Current Electricity Bill ₹4,000 / mo
Solar Loan EMI (5 Yrs @ 7.0%) ₹2,198 / mo
Self-Funding Solar! Your monthly EMI is ₹1,802 lower than your current electricity bill from Month 1.
25-Year Wealth Projection

Cumulative Cash Flow & Break-Even Horizon

Models 0.55%/yr module degradation & 4.0%/yr DISCOM tariff inflation.

Capital Recovery Net Cumulative Profit
Annual Carbon Offset 3,808 kg CO₂/yr
25-Yr Trees Equivalent 1,731 Mature Trees
Official MNRE DBT Slabs

PM Surya Ghar Central & State Top-Up Subsidy Reference

Central subsidies are credited directly to your bank account within 15–30 days of net-meter commissioning. Systems above 3 kW receive the maximum capped 3 kW subsidy.

Requires Indian DCR (Domestic Content) Solar Modules
1 kW Rooftop System
₹30,000
₹33,000 in Special States

Generates ~120–135 units/month. Ideal for homes with monthly bills between ₹1,000 and ₹1,800.

2 kW Rooftop System
₹60,000
₹66,000 in Special States

Generates ~240–270 units/month. Best for 2BHK/3BHK homes with bills between ₹1,800 and ₹3,200.

Most Popular Sweet Spot 3 kW to 10 kW System
₹78,000
₹85,800 in Special States

₹60k for first 2 kW + ₹18k for 3rd kW. Maximum central cap achieved at 3 kW capacity.

Society / RWA Common Load
₹18,000/kW
Up to 500 kW (@ 10 kW/house)

Covers apartment lifts, water pumps, corridor lighting, and EV charging stations.

State-Wise Top-Up Bonuses & Net-Metering Highlights

Click any row to load state into calculator
State / UT Major DISCOMs Central Cap (3kW+) Additional State Top-Up Max Combined Subsidy
Uttar Pradesh UPPCL (PVVNL, MVVNL, DVVNL) ₹78,000 + ₹15,000/kW (Max ₹30,000 UPNEDA) Up to ₹1,08,000
Delhi (NCT) BSES Rajdhani, Yamuna, TPDDL ₹78,000 + ₹2,000/kW (Max ₹10k) + ₹3/unit GBI ₹88,000 + 5-Yr GBI
Assam & North-East APDCL ₹85,800 (Special) + ₹15,000/kW (Max ₹45,000 State) Up to ₹1,30,800
Himachal & Uttarakhand HPSEBL / UPCL ₹85,800 (Special) 10% Enhanced Central Slab Up to ₹85,800
Maharashtra, Karnataka, Gujarat MSEDCL, BESCOM, PGVCL, UGVCL ₹78,000 Fast-Track Single Window Net-Metering Up to ₹78,000
ALMM & DCR Approved Hardware

Solar Panel Technology & Top Indian Brands

Compare module cell architectures and MNRE-approved Indian manufacturers before signing your vendor contract.

Value DCR Standard

Mono PERC Half-Cut

535W – 550W Modules • P-Type Cell

Proven 144 half-cell architecture that reduces resistive losses and handles partial morning/evening shadow gracefully.

  • Module Efficiency: 21.0% – 21.5%
  • Roof Space / kW: ~95 sq. ft.
  • Annual Degradation: 0.55% / year
  • Performance Warranty: 25 – 27 Years
2026 Flagship Choice

N-Type TOPCon

575W – 600W Modules • Tunnel Oxide

Zero Light-Induced Degradation (LID) and superior temperature coefficient—producing more electricity during 45°C Indian summers.

  • Module Efficiency: 22.5% – 23.2%
  • Roof Space / kW: ~80 sq. ft. (Compact)
  • Annual Degradation: 0.40% / year
  • Performance Warranty: 30 Years Linear
Best for Elevated Terraces

Dual-Glass Bifacial

550W – 610W • Front + Rear Generation

Captures reflected sunlight from white-painted cool roofs or elevated pergola structures, adding 8%–15% bonus generation.

  • Effective Yield Gain: +8% to +15% Albedo
  • Encapsulation: 2mm + 2mm Dual Glass
  • Ideal Structure: 6ft–8ft Elevated GI
  • Mechanical Life: 30+ Years
Interactive Homeowner Roadmap

4-Step PM Surya Ghar Net-Metering & DBT Checklist

Tick off each milestone to track your installation from portal application to direct bank subsidy credit.

Average End-to-End Turnaround: 30 – 45 Days