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PM सूर्य घर ROI

PM Surya Ghar Solar ROI — Free Online

Solar rooftop ROI — ₹78,000 तक central subsidy, payback period, 25 साल की saving। DISCOM rate + capacity + bill input से Hindi calculator।

PM Surya Ghar Muft Bijli Yojana — rooftop solar पर ₹78,000 तक central subsidy। Feb 2024 में launch — 1 करोड़ households तक free electricity (300 units/month tak)। 3 kW system ≈ ₹1.65L cost, ₹78k subsidy ke baad ₹87k net। Average payback 4-6 साल, फिर 25 साल free बिजली। नीचे अपनी घर की values डालकर ROI निकालें।

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☀️ PM Surya Ghar ROI Calculator

250 units
Bill देखें — last 3-6 महीनों का average।
ये approximate average rates हैं — आपकी exact slab आपके bill में देखें।
3 kW
Thumb rule: 1 kW system ≈ 4 kWh/day → 120 kWh/month। Subsidy max ₹78,000 (3 kW+ पर)।
₹60,000
Empanelled vendor की quote — typically ₹50-65k/kW (DISCOM-listed vendors से ज़्यादा transparency)।
⚠️ Important: यह educational ROI estimate है। Actual generation, payback, और savings location की sun-hours, roof orientation / shading, panel quality + degradation, DISCOM rate revisions, net metering rules पर depend करते हैं। Investment से पहले official portal pmsuryaghar.gov.in पर latest subsidy + DISCOM-empanelled vendor से quote ज़रूरी। Solar पर tax benefits / depreciation / loans को qualified CA / financial advisor से confirm करें।

कैसे Use करें?

  1. 1Monthly consumption (kWh)
  2. 2DISCOM rate dropdown
  3. 3System capacity (kW)
  4. 4Install cost / kW
  5. 5'ROI Calculate करें' दबाएं
  6. 6Yearly savings chart
  7. 7pmsuryaghar.gov.in पर apply
  8. 8State top-ups check

PM सूर्य घर ROI क्या है?

## PM Surya Ghar Muft Bijli Yojana kya hai February 2024 launch — flagship rooftop solar scheme। Target 1 करोड़ households 5 साल में, 300 units/month tak free electricity। Budget ₹75,021 crore। Features: Central subsidy 1 kW ₹30k / 2 kW ₹60k / 3 kW+ ₹78k cap। State top-ups Gujarat ₹10-20k, Maharashtra ₹15k, Rajasthan ₹17k। Net metering DISCOM से free। PSU bank loans 7%, 7-yr, ₹2 lakh tak। यह ROI calculator: consumption + DISCOM rate + capacity + install cost → net cost, generation, year-1 saving, payback, 25-year savings। ## Kaise kaam karta hai Math: System cost = capacity × cost/kW (₹50-65k/kW typical)। Subsidy slabs: 1 kW = ₹30k, 2 kW = ₹60k, 3+ kW = ₹78k cap। Annual generation = capacity × 1460 kWh। Annual savings = min(generation, consumption) × DISCOM rate। Payback = net cost / year-1 savings (typical 4-7 years)। 25-year savings: 4% tariff inflation + 0.5% panel degradation। ## 5 examples **1. Bengaluru (250 units, ₹8/unit, 3 kW):** ₹1.8L cost, ₹78k subsidy, ₹1.02L net, 4.3 yr payback, 25-yr ₹9.5L. **2. Mumbai (500 units, ₹11/unit, 5 kW):** ₹3.1L, ₹78k cap, ₹2.32L net, 3.5 yr, 25-yr ₹17L. **3. Lucknow (200 units, ₹6.5/unit, 2 kW):** ₹1.1L, ₹60k, ₹50k net, 3.8 yr, 25-yr ₹5.5L. **4. Delhi (800 units, ₹7/unit, 8 kW):** ₹4.64L, ₹78k, ₹3.86L net, 6.9 yr, 25-yr ₹14L. **5. Chennai (150 units, ₹6/unit, 1 kW):** ₹65k, ₹30k, ₹35k net, 4 yr, 25-yr ₹3.6L. ## Common mistakes **1. Capacity oversize।** **2. Non-empanelled vendor (subsidy invalid)।** **3. Roof orientation/shading ignore।** **4. Net metering rules check नहीं।** **5. Inverter + structure costs underestimate।** ## Pro tips **1. 3-4 empanelled vendor quotes।** **2. Tier-1 panels (Adani, Tata, Vikram, Waaree)।** **3. Tier-1 inverters (Sungrow, Solis, Growatt)।** **4. 3-phase upgrade >5 kW।** **5. Subsidy timeline 90-150 days।** **6. State top-ups stack।** **7. PSU 7% loan EMI < year-1 saving।** **8. Maintenance ₹2-3k cleaning + 10-yr inverter replacement।** **9. Insurance ₹2-5k/yr।** ## Modern context — 2026 1.5+ crore applications by Sept 2024, 5 lakh installations। Cost 2020 ₹80k/kW → 2024 ₹55-65k/kW। Panel efficiency 24-25% (TOPCon, bifacial mainstream)। DISCOM net metering most states 1:1 (Maharashtra/UP cuts 2024)। 12+ PSU banks loan 7-8.5%। Risks: vendor consolidation, DISCOM payment delays (subsidy lag 60-150 days)। यह wealth-generating policy — ₹2-3L upfront → ₹10-15L lifetime saving।

Formula / तरीका

System cost = capacity × cost/kW. Subsidy: 1 kW = ₹30k, 2 kW = ₹60k, 3+ kW = ₹78k cap. Generation ≈ capacity × 1460 kWh. Year-1 saving = min(generation, consumption) × DISCOM rate. Payback = net cost / annual saving.

Tips और सुझाव

  • •Capacity consumption के बराबर
  • •DISCOM-empanelled vendors ही
  • •Tier-1 panels (Adani, Tata, Vikram, Waaree) — 25-year warranty
  • •South-facing roof + no shading
  • •State top-up subsidies stack
  • •PSU bank loan ₹2L tak, 7%, 7 साल
  • •Annual maintenance ₹2-3k + 10-yr inverter replacement
  • •Insurance ₹2-5k/yr

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अक्सर पूछे जाने वाले सवाल (FAQ)

Kitni subsidy?
1 kW = ₹30,000; 2 kW = ₹60,000; 3 kW+ = ₹78,000 cap। 1.5 kW = ₹45k, 2.5 kW = ₹69k। State top-ups separate (Gujarat ₹10-20k, Maharashtra ₹15k, Rajasthan ₹17k)। Disbursement direct bank account 30 दिनों बाद। Vendor channel नहीं।
1 kW kaafi?
1 kW ≈ 4 kWh/day = 120 kWh/month। Suitable 100-150 units + small flat + 2-3 family + minimal AC। Insufficient 4+ family, 2+ ACs — 2.5-4 kW need। Cost-benefit: install ₹55-65k, subsidy ₹30k, net ₹25-35k, payback 3-4 yrs।
Panel life + maintenance?
Tier-1 25-year linear warranty (yr 25: 80-85% output)। Inverter 10-12 yr, replacement ₹40-60k। Cleaning हर 1-2 महीने ₹2-3k/yr, annual inspection ₹2-5k। Total ₹3-5k/yr lifetime ₹75k-1.25L। Output degradation 0.5-0.7%/yr।
Loan kaise milta?
PSU bank concessional Surya Ghar — SBI/PNB/BoB/Canara/Union। ₹2 lakh tak, 7% interest, 7-yr, no collateral, no processing fee। Private banks 8.5-10%, longer 10-15 yrs, ₹10L तक। Apply: portal → bank lead → 15-30 days। EMI vs savings: 3 kW ₹1L net, 7-yr EMI 7% = ₹1500/mo → year-1 saving ₹2000+ → net positive Day 1।
Net metering same?
Nahi: 1:1 (Karnataka, TN, Kerala, Punjab, Haryana)। Gross metering (Maharashtra >5 kW gross 2024, AP, Telangana fixed ₹2.5-4/unit)। Net billing/hybrid most states। ROI impact: 1:1 80-90% effective; gross 50-65%। Capacity slightly under-size बेहतर।
Vendor selection?
MUST: DISCOM empanelment + MNRE listed। 5+ years experience, 100+ installations। Tier-1 panels (Adani, Tata Power Solar, Vikram, Waaree, Premier, Goldi DCR-compliant)। Tier-1 inverters। 25-yr panel + 12-yr product warranty written। AVOID: <₹50k/kW total, cash-only, 'quick installation', no empanelment।
Bill 0?
Almost zero। 1:1 net metering में monthly bill ₹100-300 fixed charges + meter rent + electricity duty। Energy charges ~zero। Annual 250 units/month with 3 kW → savings ₹20-25k typical, bill ₹2k/mo → ₹100-300/mo (95% reduction)।
Application timeline?
Application instant। Vendor selection 7-15 days। Installation 30-60 days। DISCOM net meter 7-15 days। Inspection + commissioning 7-15 days। Subsidy bank credit 30 days post। Total: 90-150 days।

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