Find your state and city to calculate installation costs, PM Surya Ghar Yojana central subsidies, net metering offsets, and 25-year cumulative financial savings across 32 states and 101 Indian cities.
Calculations are initialized with average national solar metrics (India national electric rate: ₹7.50/kWh, sun exposure: 4.8 hrs).
Personalize these sliders to match your home's roof shading and electric usage.
After Govt Subsidy (PM Surya Ghar)
Break-even year timeline
Internal Rate: 30.1% IRR
Visual break-even payback projection timeline
Payback Explanation: The vertical orange circle denotes the intersection where cumulative utility bill savings exceed the upfront solar panel purchase cost. Beyond 3.5 years, the system has fully paid for itself, and all energy offset represents direct financial earnings.
Comparing solar structures for a 3.5 kW rooftop installation
| System Type | Base Cost | Battery Add-on | Govt. Subsidy | Net Cost | Est. Payback |
|---|---|---|---|---|---|
| On-GridGrid-tied, no battery | ₹210,000 | — | -₹78,000 | ₹132,000 | 3.5 Years |
| HybridGrid + Battery Backup | ₹210,000 | ₹63,000 | -₹78,000 | ₹195,000 | 5.4 Years |
| Off-Grid100% Standalone Battery | ₹210,000 | ₹77,000 | No Subsidy | ₹287,000 | 8.9 Years |
* Subsidy Rule: Under the PM Surya Ghar Yojana guidelines, central government subsidy is strictly available for grid-connected systems (On-Grid and Hybrid inverters). Off-Grid solar arrays are standalone and do not qualify for direct central subsidy funding.
Under the PM Surya Ghar Yojana scheme, residential solar installations qualify for substantial central subsidies (up to ₹78,000 for systems ≥ 3 kW), directly reducing upfront setup costs.
Electric utility prices have increased by an average of 3-4% annually. Generating your own clean power shields you from utility rate hikes over the next 25+ years.
A typical 3 kW solar system reduces carbon emissions by over 60 metric tons of CO2. Powering your home with clean energy contributes to a sustainable, carbon-neutral future.
Deciding whether to install rooftop solar panels comes down to a straightforward financial question: how quickly does the system pay for itself, and how much does it save over its lifetime? SolarROI.in answers that question with a programmatic database covering 32 Indian states and union territories and 101 major cities, each modeled using local DISCOM electricity tariffs, regional solar irradiance (peak sun hours), and applicable central and state subsidies.
Your total solar investment depends on three core variables: your average monthly electricity bill (which determines the system size you need), your cost per watt (driven by panel technology, inverter quality, and local installation labor rates), and the subsidy you qualify for under the PM Surya Ghar: Muft Bijli Yojana, which offers up to ₹78,000 for residential systems of 3 kW or larger. Once installed, your payback speed is shaped by how many peak sun hours your city receives daily and the strength of your state's net metering policy, which determines how much credit you earn for excess power exported to the grid.
Rather than relying on generic national averages, search for your state and city above to view a customized breakdown of installation costs, subsidy eligibility, payback period, and 25-year cumulative savings — or use the interactive calculator to model your own roof, shading, and electricity usage in real time.
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Select a state below to view localized utility pricing statistics, regional incentives, and city sub-directories.
Read our latest expert guides on installation processes, government grants, panel specs, and safety standards.
Understand the end-to-end engineering and mounting process of converting your home to solar power, from initial site survey to final grid net metering.
Learn how to register, apply, choose vendors, and claim up to ₹78,000 in central government solar rooftop subsidies through the national portal.
Navigate the complex landscape of solar module specifications. Understand cell efficiencies, temperature coefficients, and the government's ALMM mandate.
Solar ROI is calculated by comparing the net installation cost (after the PM Surya Ghar Yojana central subsidy) against the value of electricity your system generates over its lifetime. Our calculator factors in your local DISCOM tariff, average daily sun hours, panel degradation, roof shading, and annual utility rate escalation to estimate your payback period and 25-year cumulative savings.
Under the PM Surya Ghar: Muft Bijli Yojana, residential rooftop solar installations qualify for a central subsidy of up to ₹78,000 for systems of 3 kW or larger. Many states also offer additional top-up subsidies and streamlined DISCOM net-metering approvals, which our state-level pages detail individually.
System size depends primarily on your average monthly electricity bill and local sun exposure. A typical Indian household with a ₹3,000/month bill needs roughly a 3 kW system, made up of about 7-8 standard 400W panels. Use the interactive calculator above, or select your city, to get a sizing estimate tuned to your exact usage and location.
Net metering lets you export surplus solar power generated during the day back to the grid in exchange for billing credits, which offset your electricity consumption at night. Net metering policy quality varies by state and DISCOM — our state directory grades each region from A+ to D based on how efficiently exported credits are honored.
Most Indian homeowners reach payback within 4 to 7 years, depending on local electricity rates, sun hours, and subsidy eligibility. After that, the system continues generating essentially free electricity for the remainder of its 25-year warrantied lifespan, resulting in substantial cumulative savings.
All calculations in our programmatic database account for regional grid metrics, federal tax policies, system inefficiencies (e.g., standard 78% inverter performance), and historical solar data. We update local metrics regularly to provide the most reliable solar projections possible.