Enter your monthly electricity bill and pick your state. The calculator suggests a system size and shows the central and state subsidy, what you pay, your bill saving, payback and, if you want, the solar loan EMI. Uttar Pradesh is selected first; a 3 kW home there gets up to ₹1,08,000 in subsidy.
☀ State subsidies checked November 2026 · Prices October 2026Disclaimer: All figures on this page, including subsidy amounts, prices, savings, payback and loan EMIs, are illustrations only, to help you plan. They are not an offer or a guarantee. Government subsidy rules, amounts and budgets change from time to time, so please verify the actual facts and figures from official government sources (the national portal pmsuryaghar.gov.in, your state nodal agency or your electricity company) before you decide. Your final size, price and subsidy are confirmed only after a roof survey and official approval.
Under PM Surya Ghar the central government pays ₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW, so up to ₹78,000 for 3 kW or more. Hill states, the North East and island areas get more, up to ₹85,800. Some states add their own subsidy on top: Uttar Pradesh adds up to ₹30,000, so a 3 kW home in UP can get ₹1,08,000.
For ordinary homes: Assam, Bihar, Chhattisgarh, Delhi, Gujarat, Jammu and Kashmir, Odisha, Uttar Pradesh, West Bengal. Only for some families (by income, caste category or an existing state scheme): Haryana, Maharashtra, Rajasthan. Pick your state in the calculator to see the amount that applies to you.
Often, yes. Public sector banks give collateral-free PM Surya Ghar loans at the repo rate plus 0.5%, about 6% a year in October 2026, for systems up to 3 kW and up to 10 years. When the subsidy reaches your bank account and you pay it into the loan, the EMI drops. Tick "I want a solar loan" in the calculator to compare your EMI with your bill saving.
It is a planning estimate. In Uttar Pradesh it works back from your bill using the official home tariff slabs; in other states it uses the cost per unit you enter and approximate state sunshine. Prices are market ranges for subsidy-eligible equipment. Your final size, price and subsidy are confirmed after a roof survey and approval on the national portal.
PM Surya Ghar is sanctioned until March 2027. State subsidies have their own budgets and can close earlier, so apply soon if you plan to install.
Sources: MNRE PM Surya Ghar guidelines (SolarQuarter, 1 Sep 2026); each state's source is linked in the calculator when you pick the state. UP tariff: UPERC home tariff 2026-27. Loan: PM Surya Ghar terms (repo rate + 0.5%). Last checked: November 2026.
