Solar Guide 2026: Rooftop Savings

Residential rooftop solar plants of 3 kW or more receive the maximum Central Financial Assistance (CFA) of ₹78,000. 1 kW gets ₹30,000 and 2 kW up to ₹60,000. The subsidy arrives directly in your bank account via DBT.

A simple rule of thumb: for every 100 units of monthly electricity consumption, plan for roughly 1 kW of plant capacity. A household consuming 300 units a month is well served by a 3 kW system — which also unlocks the maximum subsidy.

For residential systems up to 3 kW, public-sector banks including SBI generally offer collateral-free loans starting around 6.75–7% interest. The monthly electricity savings largely covers the EMI.

Yes — adding an SMU (Solar Management Unit) retrofits your existing inverter-battery system to run on solar for roughly ₹20,000–30,000 total. Note that net metering and the subsidy do not apply to this path.

Under PM-KUSUM, the Centre contributes 30% and, where applicable, the state government adds up to 30% more. On a 3 HP pump, that brings the farmer’s own share down to roughly ₹70,000–90,000.