PM Surya Ghar:
Muft Bijli Yojana
Make the sun work for your home. We'll handle the rest.
A customer-first guide by Y2G Energy to unlock eligible central government subsidy of up to ₹78,000, solar financing, and zero-headache documentation from portal registration to final commissioning.
Check Subsidy & Get Free Quote
Find out your exact subsidy eligibility and rooftop savings in 2 minutes.
What is PM Surya Ghar: Muft Bijli Yojana?
PM Surya Ghar: Muft Bijli Yojana is a landmark national scheme launched by the Government of India with an outlay of over ₹75,000 Crore, aimed at lighting up 1 Crore (10 Million) residential households across India with free rooftop solar electricity.
Under this scheme, homeowners receive substantial upfront Central Financial Assistance (CFA Subsidy) credited directly into their Aadhaar-linked bank accounts via Direct Benefit Transfer (DBT), enabling families to generate up to 300 units of free power each month and eliminate electricity bills.
Direct Benefit Transfer (DBT)
Subsidy is deposited straight to your bank account after DISCOM meter synchronization.
Net-Metering Grid Connection
Export surplus day-time energy back to the grid and earn credits against your consumption.
Collateral-Free Solar Financing
Access collateral-free solar loans with up to 10-year tenure and low concessional interest rates.
25+ Years of Clean Energy
Slash your household carbon footprint by 50+ tonnes while enjoying energy independence.
How Much Central Subsidy Can You Get?
For eligible residential consumers, the Central Government provides ₹30,000/kW for the first 1 kW, ₹30,000 for the second kW, and ₹18,000 for the third kW. The maximum central financial assistance for a residential rooftop solar system is ₹78,000.
- ~120-150 Units / Month
- ~100 sq. ft. Roof Space
- For Bills: < ₹1,500/mo
Ideal for small 1-2 BHK residences with basic appliances, lights & fans.
- ~240-300 Units / Month
- ~200 sq. ft. Roof Space
- For Bills: ₹1,500 - ₹2,500/mo
Ideal for standard 2-3 BHK homes with refrigerator, TV & washing machine.
- ~360-450 Units / Month
- ~300 sq. ft. Roof Space
- For Bills: ₹2,500 - ₹4,500/mo
Best value! Perfectly powers 1-2 ACs, mixer, pump, water heater & all appliances.
- ~600-750+ Units / Month
- ~500+ sq. ft. Roof Space
- For Bills: > ₹5,000/mo
For large homes & villas with 3+ ACs, EV charging & heavy load usage.
PM Surya Ghar Subsidy & Sizing Matrix
| Avg. Monthly Electricity Consumption | Recommended Capacity | Central Subsidy (CFA) Support | Rooftop Area Required | Approx. Annual Generation | What it Means for You |
|---|---|---|---|---|---|
| 0 – 150 Units | 1 – 2 kW | ₹30,000 – ₹60,000 | 100 – 200 sq. ft. | 1,450 – 2,900 kWh | Substantial reduction; covers base domestic load. |
| 150 – 300 Units | 2 – 3 kW | ₹60,000 – ₹78,000 | 200 – 300 sq. ft. | 2,900 – 4,350 kWh | Near-zero electricity bill + maximum government benefit. |
| Above 300 Units | 3 – 5 kW+ | ₹78,000 (Max Cap) | 300 – 500+ sq. ft. | 4,350 – 7,250+ kWh | Powers heavy appliances, multiple ACs & EV charging. |
How Much Will You Save with PM Surya Ghar?
Adjust the slider to match your current average monthly electricity bill and see your recommended solar system capacity, eligible government subsidy, and estimated lifetime savings.
Who is Eligible for PM Surya Ghar Subsidy?
The scheme is specifically tailored for individual residential households across India meeting simple criteria.
Residential Household
The applicant must own a residential house or villa with an active domestic electricity connection.
Shadow-Free Roof
Adequate shadow-free rooftop space on RCC concrete terrace, metal sheet, or sturdy tiled roof.
Active DISCOM Meter
Connected to the local DISCOM electricity grid with domestic consumer tariff (e.g. KSEB, BESCOM, TANGEDCO, etc.).
Aadhaar-Linked Bank A/c
A valid Aadhaar and bank account linked in the electricity consumer's name to receive direct DBT subsidy.
How to Apply for Solar Subsidy
From subsidy registration to switch-on — one accountable team coordinating the complete process.
Assess
Electricity bill analysis, rooftop shadow study, structural check, and sanction load sizing.
Register
Y2G assists with National Portal (pmsuryaghar.gov.in) registration and DISCOM feasibility approval.
Design
System sizing, 3D shadow analysis, Tier-1 DCR ALMM panels, inverter selection, and transparent quotation.
Install
Turnkey rooftop installation, lightning protection, earthing, AC/DC distribution boxes, and safety testing.
Subsidy DBT
DISCOM joint inspection, bidirectional net-meter installation, commissioning certificate, and direct subsidy credit!
One Team for All the Paperwork
Going solar involves DISCOM filings, portal uploads, and bank coordination. Y2G manages the entire documentation pipeline on your behalf.
For PM Surya Ghar & DISCOM Process
- Electricity Consumer Details: Latest electricity bill copy.
- Identity & Address: Aadhaar Card of electricity consumer.
- Rooftop Details: System capacity, roof photo & ownership document/tax receipt.
- Bank Account Proof: Cancelled cheque or passbook copy (for DBT subsidy).
- Portal Registration: PM Surya Ghar portal registration & application assistance.
- DISCOM Approvals: Feasibility NOC, inspection & commissioning coordination.
- Net-Metering: Grid synchronization documentation and follow-up.
- Subsidy Claim: Submission of commissioning certificate & DBT tracking.
If You Choose a Solar Loan (e.g. SBI)
- KYC Documents: PAN Card, Aadhaar Card, passport size photograph.
- Electricity Bill: Latest domestic electricity bill (address proof).
- Bank Statements: 3–6 months bank account statements.
- Up to ₹2 Lakh Loans: Simplified processing — no ITR or minimum CIBIL score required at selected banks.
- For Higher Loans (>₹2L): Income documents such as ITR / Form 16 / Salary slips.
- Jan Samarth Assistance: Fast-track application via national Jan Samarth portal.
- Y2G Project Dossier: Official quotation, technical feasibility & vendor contract.
- Approval Support: We coordinate with the lender; final credit approval stays with the bank.
Don't Want to Pay the Full Amount Upfront?
Eligible residential customers can explore collateral-free, PM Surya Ghar-linked solar loans through participating nationalized lenders (SBI, Canara Bank, PNB, etc.).
The monthly loan EMI is often lower than your current electricity bill. Once the loan is paid off, you enjoy 15+ years of 100% free solar power!
Loans Cover Up to 90% of Project Cost
Selected lenders offer dedicated rooftop-solar finance with minimal margin money.
Up to ₹2 Lakh: Simplified Eligibility
SBI lists no minimum CIBIL score and no minimum income requirement for loans up to ₹2 Lakh, subject to its other conditions.
Up to 10-Year Repayment Tenure
Flexible repayment up to 120 months (including moratorium period) keeps monthly EMIs ultra-low.
SBI Surya Ghar Loan
Terms subject to change per bank guidelines| Up to ₹2 Lakh | For rooftop solar up to 3 kW; SBI lists no minimum income and no minimum CIBIL score for this bracket. |
| ₹2 – ₹6 Lakh | For systems above 3 kW up to 10 kW; SBI lists minimum annual net income of ₹3 Lakh and CIBIL ≥ 650. |
| Margin Money | SBI lists a minimum 10% project-cost margin. |
| Repayment Tenure | Up to 120 months (10 years), including stated moratorium period. |
| Subsidy Adjustment | ₹30k / ₹60k / ₹78k credited via DBT can be adjusted directly against loan principal to reduce EMI. |
Government Scheme. Global Experience. One Accountable Team.
Y2G combines deep solar engineering expertise with a customer-first process designed to remove every complexity from going solar.
Education Before Selling
We analyze your actual power consumption, load profile, and rooftop potential before making any equipment recommendations.
Premium DCR ALMM Materials & BOS
100% compliant with MNRE DCR requirements for guaranteed subsidy approval. Tier-1 Mono PERC/TOPCon panels, European smart inverters, and hot-dip galvanized structures.
Single Point of Accountability
No dealing with multiple subcontractors, DISCOM line workers, or portal agents. Y2G owns your project from initial design to 25-year post-commissioning support.
Real-Time Mobile App Monitoring
Track your daily solar generation, grid export, and savings in real-time through an intuitive smartphone application.
Frequently Asked Questions
Answers about subsidy, system choices, installation, and support.
1. Subsidy FAQs
How much does a solar plant installation cost, and what are the eligibility criteria for subsidy?
Cost depends heavily on system type and size:
| System type | 3 kW cost (before subsidy) | Subsidy | Net cost (approx.) |
|---|---|---|---|
| On-grid | ₹1.5–2.2 lakh | Up to ₹78,000 | ₹82,000–1.4 lakh |
| Off-grid (battery-based) | ₹2.4–2.8 lakh | Not eligible | ₹2.4–2.8 lakh |
| Hybrid (grid + battery) | ₹2.7–3.5 lakh | Up to ₹78,000 (residential) | ₹1.9–2.7 lakh |
Eligibility for the PM Surya Ghar subsidy:
- Residential connection in your own name with a DISCOM (KSEB in Kerala)
- Ownership or documented consent for the installation rooftop
- Installer registered on pmsuryaghar.gov.in
- ALMM-listed (government-approved) panels and inverter
- Grid-connected with net metering
- No previous government solar subsidy claimed on the same connection
- Commercial/industrial connections are not eligible for this particular scheme
Is government subsidy available for solar installation?
Can I get a loan for solar installation?
How do I apply for the subsidy?
How long does a solar system take to pay for itself?
2. Technical FAQs
What is an off-grid and on-grid solar system? Why do most people prefer on-grid?
- On-grid (grid-tied): Connects directly to the utility grid with no batteries. Excess power is exported and credited via net metering; you draw from the grid when solar isn't producing. It's the most affordable option and the only type eligible for the PM Surya Ghar subsidy.
- Off-grid: Runs independently of the grid using battery storage. Costs significantly more and isn't subsidy-eligible, but works in areas with no grid access.
Most urban Kerala households prefer on-grid because the grid is reliable enough that battery backup isn't essential, and the subsidy plus net metering make the economics far better — payback in 3–5 years versus much longer for off-grid.
What is a hybrid system? Is it expensive? Is it the best option?
What is meant by solar panel efficiency?
Which type of solar panel should you choose?
- Polycrystalline — lowest cost, lower efficiency (~15–17%), rarely used now
- Monocrystalline (PERC) — good balance of cost and efficiency (~20–22%), current market standard
- TOPCon (N-Type) — higher efficiency (~22–24%), better performance in heat and low light
- Bifacial — captures reflected light from both sides, higher output, best on reflective or elevated mounting
For most Kerala homes, monocrystalline PERC or TOPCon panels offer the best cost-to-performance balance.
Are bifacial solar panels worth the extra cost?
What is a TOPCon solar panel? Is it the best option?
What are the different types of solar inverters?
- String inverters — most common and affordable
- Microinverters — one per panel; better for partial shading, costlier
- Hybrid inverters — manage both grid and battery
- Off-grid inverters — designed to run entirely off battery storage
Can I run an AC, motor, and charge an EV with an on-grid solar system?
Which mounting structures are the strongest and most aesthetically pleasing?
Is it true that an on-grid solar system does not work during a power cut?
Can you explain the costs and procedures related to installing an on-grid solar plant with MNRE/KSEB?
- Register on pmsuryaghar.gov.in and select an ALMM-listed, registered installer
- Site survey and load assessment to determine system size
- Installation using ALMM-approved panels and inverter
- Net metering application with KSEB, including bi-directional meter installation
- Inspection and commissioning by KSEB before the system goes live
- Subsidy disbursal via DBT, typically 30–45 days after commissioning
Net metering/documentation costs typically run ₹10,000–15,000 as part of the overall installation cost.
What safety equipment is installed with the solar plant?
- DC and AC surge protection devices (SPDs)
- Earthing/grounding for panels, mounting structure, and inverter
- Lightning arrester — especially important given Kerala's high thunderstorm frequency
- ACDB/DCDB distribution boards with circuit breakers and fuses
- Anti-islanding protection, built into the on-grid inverter
- Rapid shutdown mechanism for firefighter/maintenance safety
Do I need a safety certificate for my solar installation?
3. Trust, Warranty & Vendor Selection FAQs
Why should I choose Y2G Energy over a large national brand?
How do I know Y2G Energy is a legitimate, empanelled vendor?
What warranty does Y2G Energy provide?
- Panels: 25–30 year performance warranty (typically manufacturer-backed)
- Inverter: 5–10 year warranty depending on brand/model
- Installation & workmanship: Minimum 5 years, as mandated for PM Surya Ghar-empanelled vendors
- Mounting structure: [Your term — commonly 10+ years for Kerala's coastal climate]
Can I get my solar system insured?
What happens if my net meter installation is delayed by KSEB?
How do I compare quotes from different solar companies in Kerala?
- Panel type and efficiency (PERC vs TOPCon vs bifacial)
- Inverter brand and warranty length
- Whether the quote is subsidy-inclusive or subsidy-exclusive
- Installation/workmanship warranty (minimum 5 years for empanelled vendors)
- Who handles the net metering paperwork with KSEB — you or the vendor
- After-sales service terms (response time, cleaning, monitoring)
Is it risky to install solar privately without going through the official scheme?
Ready to see what your roof can save?
Send us your latest electricity bill and our solar experts will calculate your exact suitable system size, estimated central subsidy, and financing options.
Important Statutory Disclaimer: Subsidy amounts, eligibility guidelines, and scheme parameters shown on this page are based on Ministry of New and Renewable Energy (MNRE) and PM Surya Ghar Muft Bijli Yojana directives available at the time of publication. Central government subsidy (CFA) is not guaranteed merely by equipment purchase; proper registration on the National Portal, installation through an empanelled/registered vendor using DCR-compliant modules, DISCOM feasibility approval, and net-meter commissioning are mandatory prerequisites. Bank loan terms, interest rates, margin money, and tenure are determined independently by respective lending institutions based on their credit policies.
