PM Surya Ghar subsidy: the 2026 guide

The PM Surya Ghar: Muft Bijli Yojana pays ₹30,000 per kW for the first 2 kW of a home rooftop system and ₹18,000 for the third kW, so ₹30,000 for 1 kW, ₹60,000 for 2 kW and ₹78,000 for 3 kW or more. Delhi adds ₹10,000 per kW capped at ₹30,000 (3 kW); Uttar Pradesh adds ₹15,000 per kW capped at ₹30,000 per consumer, on top of the central subsidy. The scheme runs until 31 March 2027.

This guide is the rulebook as it stood on 16 September 2026, with the source behind each figure, because the most common mistakes in AI answers and competitor pages are on exactly these numbers: the loan rate, which state subsidy applies, whether Delhi's new scheme is live, and when the scheme ends.

The central subsidy, by capacity

The formula behind those figures is 60% of the benchmark cost for the first 2 kW and 40% for the part between 2 and 3 kW, capped at 3 kW, using a benchmark cost of ₹50,000 per kW up to 2 kW and ₹45,000 per kW above. The scheme was launched 13 February 2024, Cabinet-approved 29 February 2024 with an outlay of ₹75,021 crore, target 1 crore households. By 22 July 2026, 48,02,717 households covered by 39,72,447 systems as of 22 July 2026.

Housing societies and RWAs get ₹18,000 per kW for common facilities, up to 500 kW (3 kW per house), EV charging included.

The state top-ups: Delhi and Uttar Pradesh

Both states pay on top of the central subsidy, and both are capped at the same rupee figure, but the per-kW rate and the extras differ.

Delhi. ₹10,000 per kW, capped at ₹30,000 (3 kW) (the July 2025 amendment), plus a generation-based incentive of ₹3 per unit for homes up to 3 kW and ₹2 per unit for 3 to 10 kW, paid 5 years from commissioning, paid monthly against the bill; any excess to the bank account. Delhi's policy runs 14 March 2024 to 13 March 2027. On 1 September 2026 the Delhi Cabinet approved a second amendment: up to 3 kW at zero upfront cost, "subject to technical feasibility" for households that averaged 400 units a month or less in FY 2025-26.

Not yet official. Cabinet-approved on 1 September 2026 and reported by the press; the notification and operating rules had not been published when we checked on 16 September 2026. The official Delhi portal still shows the July 2025 figures.

The Delhi subsidy page has the per-unit incentive worked out, and the zero-upfront explainer sets out what is approved against what is notified.

Uttar Pradesh. ₹15,000 per kW, capped at ₹30,000 per consumer, on top of the central subsidy, under the UP Solar Energy Policy 2022. combined central-plus-state totals of ₹45,000, ₹90,000 and ₹1.08 lakh for 1, 2 and 3 kW, paid by direct bank transfer 30–45 days after verification.

Not yet official. Confirmed by news reports in September 2026; UPNEDA's site did not load when we checked, so there is no official 2026 confirmation.

Combined, a 3 kW system in Noida, Ghaziabad or Varanasi carries ₹1,08,000 of subsidy; in Delhi ₹1,08,000 plus the per-unit incentive. The Uttar Pradesh page covers UPNEDA's role and the district solar cells.

Who is eligible

The published conditions are short: an Indian citizen who owns a house with a suitable roof, has a valid electricity connection and has not taken an earlier solar subsidy. The installer the installer must be a vendor registered on the national portal, and you choose the vendor on pmsuryaghar.gov.in. Verde Solaire is a registered PM Surya Ghar vendor in both Delhi and Uttar Pradesh.

The system itself must meet two rules. both the modules and the cells must be made in India; and from 1 June 2026, the cells must be on the ALMM List-II. consumers who give up the subsidy are exempt from List-II until 31 March 2027.

How to apply: the nine steps

1. 01

   Register on pmsuryaghar.gov.in

   State, electricity distributor, consumer number and mobile number. Verde Solaire does this with you on the survey visit.
2. 02

   Log in and apply for rooftop solar

   System size and the installer: choose Verde Solaire from the registered vendor list.
3. 03

   DISCOM feasibility approval

   The distributor checks the sanctioned load and the transformer. In Delhi no feasibility study is needed up to 10 kW on the same supply type.
4. 04

   Installation by the registered vendor

   Panels, inverter, structure, earthing and the AC and DC boxes. Usually a few days once material is on site.
5. 05

   Submit plant details and apply for the net meter

   Verde Solaire uploads the installation photographs and the technical details.
6. 06

   DISCOM inspection

   The distributor inspects and installs the net meter. Delhi's rule is a connection within 10 days for systems up to 10 kW.
7. 07

   Commissioning certificate

   Generated on the portal after the meter is in.
8. 08

   Bank details and a cancelled cheque

   Submitted on the portal by you; the subsidy is paid to this account.
9. 09

   Subsidy credited

   Officially within 30 days of the claim, about 15 days on average.

The order matters for one reason above all: you pay the installer, and the government pays you. The subsidy is not deducted from the invoice; it arrives in your bank account after commissioning. That is why a quote should show the gross price, the subsidy and the net separately, and why the money-flow page exists. If a portal stage stalls, the portal help page explains what each status means.

Paying for the system: the concessional loan

The scheme's loan is collateral-free, from nationalised banks, at repo rate plus 0.5 percentage points, which was 5.75% on 28 July 2026, over 10 years. Two older figures are still repeated online: around 7% (February 2024 figure, superseded), and up to ₹2 lakh at 6.75% (March 2025 figure, superseded). The 2026 ministry statement does not restate a cap. Use the EMI calculator with the current rate.

Dates that matter

• Scheme end: 31 March 2027. the Centre is reported to be considering a 3–4 month extension.
• ALMM List-II mandatory for net-metering projects commissioned from 1 June 2026.
• GST on solar equipment: 5% (since 22 September 2025, down from 12%).
• Delhi net metering: connection within 10 days for systems up to 10 kW and no application fee for domestic systems, since 16 July 2026.

Not yet official. Reported, not official. The scheme end date remains 31 March 2027 until MNRE says otherwise.

Everything else on the subsidy

• What is live and what is not

  Delhi zero-upfront solar: approved, not live

  Delhi's zero-upfront 3 kW rooftop solar for homes under 400 units was Cabinet-approved on 1 September 2026 and not notified by 16 September. What applies today.

  Read

• Step by step

  How to apply for PM Surya Ghar: 9 steps

  Apply for the PM Surya Ghar subsidy in nine steps on pmsuryaghar.gov.in: register, choose a registered vendor, DISCOM approval, net meter, and the subsidy within 30 days.

  Read

• The money flow

  Solar subsidy: who pays whom, and when

  You pay the installer in full (or the bank does under a loan), the DISCOM inspects, and the government then pays the subsidy into your bank account, officially within 30 days.

  Read

Assumptions and limits

Figures are as published by PIB and MNRE, the BSES Rajdhani FAQ of September 2025, the Delhi Solar Portal, and the UP Solar Energy Policy 2022. Where only news reports confirm a figure, the page says so beside it. The national portal itself does not render without JavaScript, so its text is cited through the ministry's releases.