If you’re thinking about installing solar panels on your roof, understanding rooftop solar subsidy India and solar panel incentives can save you a lot of money and time. This guide explains the current central and state schemes (including PM SuryaGhar), how to check eligibility, step-by-step application tips, realistic cost and payback numbers, net-metering basics, and trusted vendors to contact. The information reflects what is available in 2025 — read the sections relevant to your city and follow the checklist at the end.
Quick snapshot — what’s available right now (2024–2025)
The central government’s push for residential rooftop solar is repackaged under the PM SuryaGhar / Rooftop Solar (Grid-Connected) programmes, providing central financial assistance (CFA) for small residential systems. Several states offer additional incentives such as cash top-ups, fast-track net-metering, concessional loans, or special schemes. States like Delhi, Punjab, and Maharashtra have active top-ups and promotion plans.
Most homeowners can claim both central and state benefits, which together can substantially reduce up-front costs or shorten payback periods. It is essential to apply via the national portal or your state/DISCOM portal to ensure eligibility.
Why check subsidies before you buy?
Subsidies reduce initial costs and improve ROI. For a 3 kW rooftop system, central aid combined with state top-ups can significantly lower outlay. Some schemes also simplify processes, like quicker net-metering approvals or pre-approved vendor lists. Missing the correct application channels can lead to loss of benefits, as central and state subsidies often require registration and technical feasibility checks before commissioning.
Central support: what the national scheme offers
The Grid Connected Rooftop Solar Programme / PM SuryaGhar provides central financial assistance for residential rooftop systems. The assistance typically targets small residential systems (1–3 kW) and has caps per kW. Eligibility categories may include low-income households, BPL families, or general residential units. Always check the official portal for updated numbers and application windows.
State-level top-ups and city actions
States often provide their own incentives on top of central aid. Recent examples:
- Delhi: Additional state subsidies and municipal campaigns for group housing; updated net-metering and fast-track approval processes.
- Punjab: Central aid integrated into state DISCOM processes with streamlined net-metering and vendor coordination.
- Maharashtra: Special schemes for societies, group procurement models, and assured generation benefits.
Check both national and state/DISCOM portals for the latest information.
Eligibility — typical rules
- Owner-occupiers: Individual houses or apartment owners on their owned roof/terrace.
- Grid-connected systems: Residential systems must be connected with net-metering.
- System size: Up to 3 kW for individual residential units, sometimes higher for group housing.
- Vendor requirement: Must use authorized vendors and complete technical feasibility checks.
Step-by-step: How to apply
- Check the national portal: Create an account and check eligibility for central CFA. Review state-wise processes and vendor lists.
- Talk to vendors: Prefer registered vendors. Get cost estimates with and without subsidies.
- Register the application: Submit via the portal/DISCOM. Some DISCOMs require separate technical feasibility verification.
- Obtain approval: Get in-principle sanction before purchasing.
- Commission the system: Submit commissioning documents. Subsidy is disbursed per scheme rules.
Practical tip: Verify whether the subsidy will reduce the invoice upfront or be reimbursed later.
Net-metering basics
Net-metering allows your meter to register surplus electricity exported to the grid. DISCOMs credit you according to state-specific rules. Most subsidy schemes require grid-connected, net-metered setups. Some states have simplified group or virtual aggregation models.
How much can you save? Sample numbers
A 3 kW rooftop system costing ₹150,000–₹220,000 can produce roughly 12–15 units/day. With central CFA and state top-ups, net cost may reduce by up to 50% for small systems. Always confirm actual numbers with vendors and consider LCOE estimates including tariffs and subsidy.
Vendors & brands worth contacting
- Large national brands: Tata Power Solar, Adani Solar, Vikram Solar, Waaree.
- Mid-size local installers: Offer competitive pricing and local support.
- Portal-approved vendors: Check national and state portals for updated lists.
Ask vendors for datasheets, warranty terms, performance estimates, and references.
Pitfalls & how to avoid them
- Buying before applying for subsidies.
- Relying on guaranteed paybacks without considering usage patterns.
- Hidden costs like net-metering charges or rooftop strengthening.
Real city mini-cases
- Delhi: Generous combined central + state subsidies; streamlined net-metering.
- Punjab: Quick net-metering approvals via DISCOM.
- Maharashtra: Special schemes for housing societies and group procurement benefits.
Documents you’ll typically need
- Property ownership proof.
- Identity proof (Aadhaar, PAN).
- Latest electricity bill.
- Roof ownership/consent if in an apartment (RWA resolution).
- Bank details for subsidy reimbursement.
After installation
- Submit commissioning & test reports.
- Get net-metering approved and meter installed.
- Track generation and report warranty issues.
- Claim subsidy per scheme rules.
Quick checklist before you sign
- Confirm prior sanction requirements.
- Get 2–3 competitive quotes.
- Verify subsidy coverage and caps.
- Check net-metering rules and likely export compensation.
- Confirm whether subsidy is upfront or reimbursed.
Final word
Rooftop solar subsidy India and solar panel incentives make installing solar panels far more affordable than before. Start with the PM SuryaGhar portal, consult multiple registered vendors, verify DISCOM net-metering rules, and take advantage of state top-ups where available. With careful planning, you can achieve lower electricity bills, solid warranties, and a reliable, clean energy source.