PM Surya Ghar: Muft Bijli Yojana 2026
Eligibility & Apply online | Subsidy Schemes | Solar Insurance & Loans

PM Surya Ghar Muft Bijli Yojana mein aap ke ghar ki chat par sarkar ki tarf say solar panel lagaya jata hai aur ₹30,000 se ₹78,000 tak ki subsidy, sarkar ki dwara seedha aapke bank account mein bheji jati hai. Iske saath har mahine 300 unit tak bijli bilkul muft milti hai.
Iss yojana ko 13 February 2024 ko PM Narendra Modi ne launch ki thi. Is ko National Portal for Rooftop Solar bhi kehte hain. Iss scheme ka official portal hai pmsuryaghar.gov.in.
Iss page par hum aapko dainge is yojana ki poori jankari >> subsidy chart se lekar bank loan tak, eligibility se lekar common galtiyon tak. Sab kuch ek hi jagah.

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Tak Sarkar Ki Subsidy

Unit Muft Bijli Har Mahine

Saal Ki Panel Life

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Last Updated: July 2026 | Source: pmsuryaghar.gov.in.

PM Surya Ghar Yojana 2026 Ka Jankari Table

Yojana Ka Naam	PM Surya Ghar: Muft Bijli Yojana
Shuruwati Tarik	13 February 2024
Launch Kiya	PM Narendra Modi
Ministry	Ministry of New and Renewable Energy (MNRE)
Central Subsidy	₹30,000 se ₹78,000 tak
Muft Bijli	Har mahine 300 unit tak
Beneficiary	Ghar ke malik (Residential / GHS / RWA)
Apply Portal	pmsuryaghar.gov
Lakshya	1 Crore gharoan mein solar
Kul Budget	₹75,021 Crore

PM Surya Ghar Yojana Online Apply 2026: Screenshots Guide

Official Portal Par Jaao

pmsuryaghar.gov.in par jaao. Ye ek official government website hai. Koi aur website use mat karo, wo fake hogi.

Consumer Section pai click karo

“Consumer” wale section mein jaao. Phir “Apply for Rooftop Solar” par click karo. Phir Apna state choose karo. Apni electricity distribution company jese “DISCOM” select karo.

Active Mobile Number Verify karo

Apna active mobile number dalo, phir CAPTCHA CODE fill karo aur agree karo terms and conditions pai. Akhir mai verify button pai click karo aur account verify karwao.

OTP Dalo aur Account Login karo

OTP aayega mobile par. Wo otp enter karo aur verify karo apnay account ko.
Agar pehle account banaya hai toh theek hai, seedha login karo.

Application Form Bharo

Apna naam, address, system size daalo. Matlab kitne kW ka solar lagwana chahte ho. 1kW, 2kW ya 3kW, Phir documents upload karo. Isi information pe subsidy depend karti hai.

DISCOM Approval Ka Intezaar Karo

Form submit hone ke baad aapki electricity company technical feasibility check karti hai. Isme roughly 7 se 15 din lagte hain. Approval aane ke baad portal par notification milegi.

Installation Aur Subsidy

DISCOM-approved vendor se solar panel installation karwao. Installation mein 2 se 3 din lagte hain.
Net meter lagega qareeban 20 se 30 din. Phir 30 se 45 din mein subsidy seedha bank account mein.

Note: Application se subsidy tak total time roughly 60 se 90 din lagtay hain.

Documents To Apply

Aavedan Ke Liye Ye Documents Tayar Rakh lo.

Aadhaar Card: identity proof ke liye.

Bijli Ka Bill: 3 mahine se zyada purana na ho.

Passport-size photo: application form ke liye.

Mobile Number: OTP verification ke liye, Aadhaar se linked ho toh best hai.

PAN Card: subsidy transfer ke liye.

Ghar Ki Registry ya Ownership Proof: property aapki hai ye dikhane ke liye.

Bank Passbook ya Cancelled Cheque: subsidy isi account mein aayegi.

Tip: Sabhi documents ki clear photo ya scan pehle se mobile mein save kar lo. Upload karte waqt kaam aayegi.

300 Unit Muft Bijli Ka Matlab Kya Hai?

Log sochte hain “300 unit muft” sirf ek tagline hai. Lekin aisa nhi hai. Ek 3kW ka solar system har din roughly 10 se 12 units bijli banata hai. Mahine mein ye hoti hai 300 se 360 units. Ek normal Indian ghar mein monthly 200 se 250 units bijli use hoti hai.
Matlab aapka solar panel ghar ki zaroorat se zyada bijli bana raha hai.

Jo extra bijli banti hai, wo grid mein chali jaati hai. Iska credit aapke bijli bill mein milta hai. Ise net metering kehte hain. Iska seedha matlab hota hai kai, aapka meter ulta bhi chal sakta hai. Aur ye sirf ek do saal ki baat nahi hai. Modern solar panels 25 saal tak kaam karte hain. Matlab 25 saal tak ye savings chalti rahegi.

Real example: Pehle aapka bijli bill tha ₹1,500 per mahine. Solar lagwane ke baad wo ₹100 se ₹200 tak aa sakta hai. Kai logon ka toh zero bhi aata hai.

Kitni Subsidy Milegi? | 1kW Se 3kW Tak Poora Hisaab

Subsidy ka poora paisa installation ke 30 se 45 din baad seedha bank account mein aata hai. Kisi ko cash dene ki zaroorat nahi, Yahan seedha hisaab hai. Koi ghuma phira ke baat nahi.

System Size	Mahine Ki Bijli	Kul Lagat	Sarkar K Subsidy	Actual Laagat
1 kW	90 se 120 Units	65,000	30,000	35,000
2 kW	180 se 240 Units	1,20,000	60,000	60,000
3 kW	270 se 360 Units	1,45,000	78,000	67,000
3 kW se Zyada	360+ Units	Market Rate	78,000 (Max)	Remaining Cost

Kuch States Mein Extra State Subsidy Bhi Milti Hai

Central government ki subsidy ke upar kuch states apni taraf se aur paisa deti hain.
Uttar Pradesh mein central aur state subsidy milakar ₹1,08,000 tak milti hai. Rajasthan mein RREC ki taraf se ₹17,000 extra milte hain. Kai aur states bhi apni schemes chala rahi hain.
Apne state ki exact subsidy jaanne ke liye pmsuryaghar.gov.in check karo. State subsidies badal sakti hain, isliye hamesha updated portal dekho.

Kya Aap Eligible Hain?

Eligibility bahut simple hai. Neeche 5 points hain. Agar sab ka jawab haan hai toh aap apply kar sakte hain.

Aap Indian nagrik hain.

Ghar aapke naam par registered hai.

Ghar mein bijli ka meter laga hai, electricity connection hai.

Chhat par solar panel lagane ki jagah hai. 1kW ke liye roughly 10 square meters chahiye.

Aapka bank account Aadhaar se linked hai.

Dhyan rakhen: Kiraaydaar yaani tenants directly apply nahi kar sakte. Subsidy sirf us insaan ko milti hai jiske naam par ghar aur bijli ka connection hai.

Acchi khabar: Ghar ki income par koi limit nahi hai. Garib ho ya ameer, har ghar wala apply kar sakta hai.

Solar Panel Loans by banks

Solar lagwane ke paise nahi hain to kya hua, bhai? Tension Mat Lo, Bank Loans Hai Na! Hum jaantey hain ki Solar lagwane mein upfront cost zyada lagti hai. Ye sacchi baat hai. Lekin sarkar ne iska bhi hal socha hai. Kai bade banks collateral-free solar loan dete hain.
₹2 Lakh tak ke loan ke liye koi collateral yaani guarantee nahi chahiye. Matlab koi property mortgage nahi karni.

Bank	Loan Amount	Byaj Dar	Avadhi	Processing Fee
SBI Solar Loan	Up to ₹6 Lakh	7% se 10.15%	10 Saal	Zero
Bank of Baroda	Up to ₹6 Lakh	Repo + 0.50%	10 Saal	Zero
Canara Bank	Up to ₹2 Lakh	~7% p.a.	7 Saal	Zero
PNB	Up to ₹3 Lakh	7.5% p.a.	10 Saal	Zero
Union Bank	Up to ₹6 Lakh	7% se 9%	10 Saal	Zero

EMI Ka Hisaab

3kW System Ki Total Cost	₹1,45,000
Sarkar Ki Subsidy	₹78,000
Aapki Net Cost	₹67,000
Monthly EMI (7%, 5 Saal)	~₹1,320
Bijli Bill Ki Bachat	₹1,200 se ₹1,800

Matlab EMI se zyada savings ho rahi hai. Loan ki EMI bhi bijli bill se kum padegi.
Sab banks ka solar loan ek hi jagah milta hai, jansamarth.in. Wahan ek form bhar ke apply karo.

Solar Sathi | Registration se Subsidy tak

Solar lagwana akela kaam nahi hai. Is process mein kaafi cheezein hoti hain jese DISCOM approval, installation, net metering, subsidy claim. Isme ek reliable insaan chahiye jo saath ho. Ye kaam karta hai Solar Saathi yaani MNRE-empanelled vendor.
Ye sirf panel lagate nahi. Ye poori journey mein guide karte hain.

Kagaz Ka Kaam

DISCOM forms, technical survey, portal registration, sab Solar Saathi handle karta hai. Aapko kisi sarkari office ke chakkar nahi lagane padte.

Sahi Installation

MNRE-certified engineers panel lagate hain.
Sahi angle pe, sahi wiring ke saath. Koi compromise nahi hota.

Net Metering Setup

Grid se system connect karna aur net meter lagwana bhi Solar Saathi ki zimmedari hai.

Loan Sahayata

Bank se solar loan lena ho ya subsidy claim karni ho, Solar Saathi yahan bhi help karta hai.

Zaroori baat: Sirf MNRE-empanelled vendor chuno. Kisi bhi random dealer ya local electrician se lagwaya toh subsidy nahi milegi. Vendor list check karo pmsuryaghar.gov.in par “Find Vendor” section mein.

Solar Insurance Kya Hai?

Solar panel ek badi investment hai. 1kW ka system bhi ₹65,000 ka hota hai. 3kW ka ₹1.45 lakh se zyada. Ye paisa protect karna chahiye.
Socho kya hoga agar toofan mein panel toot gaya. Ya bijli girne se inverter jal gaya. Ya chori ho gayi. Ye sab ho sakta hai. Aur tab kaisa lagega? Inhi situations ke liye solar insurance hota hai.

Solar Panel Insurance Kyun Zaroori Hai?

Standard ghar ka insurance solar panels usually cover nahi karta. Iske liye alag solar asset insurance policy leni padti hai.
Ye policy cover karti hai aag aur toofan se nuksaan, bijli girne se damage, chori ya dacoity, accidental breakage.

Solar Insurance Kaise Lein?

System install hone ke baad kisi bhi general insurance company ke paas jaao. Unhe solar system ki total cost aur installation certificate dikhao. Solar asset policy banwa lo.
Kuch vendors installation ke saath hi insurance package offer karte hain. Agar yahan offer ho toh compare karo pehle.
Ek cheez policy mein zaroor check karo, natural disaster coverage hona chahiye.

Note: Annual premium bahut kam hoti hai. System ki total value ka sirf 0.3% se 0.8% per saal. Matlab ₹1,45,000 ke system par sirf ₹430 se ₹1,160 per saal. Ek baar ki laperwahi sab kuch le jaati hai.

Grid Ko Becho, Paisa Kamao!

Net metering ek bahut useful cheez hai. Lekin bahut kam log iske baare mein sahi se jaante hain.
Dekho, Subah 10 baje se shaam 4 baje tak ghar mein kam log hote hain. AC, fridge chhod ke zyada kuch nahi chalta. Isi waqt solar panel full speed pe bijli banata hai. Ye extra bijli seedha electricity grid mein chali jaati hai.
DISCOM is extra bijli ko record karta hai. Mahine ke end mein ye units aapke bill mein credit ho jaate hain. Agar aapne 200 units use ki aur 100 units grid ko di, toh bill sirf 100 units ka aayega.
Ye sirf saving nahi hai. Practically aap bijli “bech” ke paisa kama rahe ho.

Note: DISCOM net meter free mein lagaata hai. Ye process roughly 20 se 30 din mein poori hoti hai. Net meter ke bina subsidy nahi milti. Isliye ye step kabhi skip mat karna.

Har State ki subsidy List

Central government ki ₹78,000 subsidy toh sabhi states mein milti hai. Lekin kuch states apni taraf se aur paisa deti hain on top of that. baqi State subsidies time ke saath badlti rehti hain. Apne state ki exact aur latest subsidy ke liye pmsuryaghar.gov.in par check karo.

State	Central Subsidy	State Bonus	Total Milega
Uttar Pradesh	₹78,000	₹30,000	₹1,08,000
Rajasthan	₹78,000	₹17,000 (RREC)	₹95,000
Gujarat	₹78,000	Milti Hai	Portal Check Karo
Maharashtra	₹78,000	Milti Hai	Portal Check Karo
Madhya Pradesh	₹78,000	Milti Hai	Portal Check Karo
Baaki Sabhi States	₹78,000	Nahi Milti	₹78,000

6 Faaydemand Cheezein karen, Bijli Bachaaye

Bijli Bill Kam Hoga

Electricity ki rates har saal badhti hain. Solar lagwane ke baad bill ya toh zero hoga ya bahut chhota. Aur ye saving 25 saal tak chalti rahegi. Jo aaj ₹1,500 ka bill hai, wo kal ₹3,000 bhi ho sakta hai. Solar hoga toh kuch fark nahi padega.

Sarkar Paise Degi

₹78,000 tak ki subsidy installation ke baad seedha bank account mein aati hai. Koi beechiya nahi.
Koi agent nahi, Koi commission nahi.
Seedha government se aapko.

Extra Bijli Bech kar Kamai

Net metering ke through jo extra bijli grid ko milti hai, uska credit bijli bill mein milta hai. Practically aap bijli bech ke paisa kama rahe ho. Ek passive income ki tarah kaam karta hai.

Ghar Ki Keemat Badh Jaati Hai

Solar-powered ghar ki market value zyada hoti hai. Jab bhi ghar bechna ho, buyers zyada offer karte hain. Kyunki unhe pata hai bijli ka kharcha khatam. Ye ek long-term asset hai.

Pollution Se bachao

Ek 3kW ka solar system roughly 2.5 tonne CO2 per saal atmosphere mein jaane se rokta hai. Na paani lagta, na coal. 100% clean energy hai ye. Aapke bachon ke liye behtar world ban raha hai.

Bijli Katoti Mein Bhi Bijli Rahegi

Battery storage ke saath solar system power cut mein bhi kaam karta hai. Khaaskar garmi mein jab grid fail ho jaata hai, tab bhi ghar mein roshni rahegi. AC bhi chal sakta hai.

Note: Solar panel lagwane ka fayda sirf bill kam hona nahi hai. Iske 6 aur bade fayde yeh hain jo log usually miss kar dete hain.

5 Galtiyan jo Subsidy Rok Sakti Hai!

Non-Empanelled Vendor Se Panel Lagwana

Agar vendor MNRE-empanelled nahi hai toh subsidy bilkul nahi milegi. Koi local electrician ya random solar dealer ye kaam sahi se nahi kar sakta. Hamesha pmsuryaghar.gov.in par vendor list check karo. Wahan se sirf registered vendor chuno.

Apne Naam Par Bijli Meter Na Hona

Application mein naam aur bijli connection ka naam ek hona chahiye. Dono alag hue toh subsidy reject ho sakti hai.
Agar meter kisi aur ke naam par hai, pehle DISCOM se naam transfer karwao. Phir apply karo.

Net Meter Ke Bina System Chalana

Bahut log panel lagwa lete hain lekin net meter nahi lagwate. Badi galti hai ye. Bina net meter ke subsidy nahi milti. Na bijli ka credit milta. Net meter DISCOM free mein lagata hai, sirf request karo.

Kisi Agent Ko Paise Dena

Government portal bilkul free hai. Agar koi agent ya company “registration fee” maange, wo fraud hai. Seedha pmsuryaghar.gov.in par khud apply karo. Koi fee nahi lagti, Koi middleman nahi chahiye.

Bank Account Alag Naam Par Dena

Subsidy usi bank account mein aayegi jiska naam application se match kare. Agar kisi aur ka account diya toh payment fail ho jaayegi. Apna khud ka account do, Aadhaar linked ho toh aur bhi better.

Note: Ye section bahut zaroori hai. Bahut log in galtiyon ki wajah se subsidy nahi paate. Pehle padho, phir apply karo.

Real Case Study of PM Surya Ghar 2026

Ramesh Ji Ka Chhota Ghar sirf 1kW Solar, Lucknow

Ramesh ji Lucknow mein rehte hain. Ghar mein 2 log hain. Pehle bijli bill tha ₹800 per mahine.
Unhone 1kW ka solar system lagwaya. Government subsidy mili ₹30,000. Total lagat thi ₹65,000. Net cost aayi ₹35,000.
Ab bijli bill aata hai ₹50 se ₹100. Monthly savings hain roughly ₹700 to ₹750. Break-even hoga roughly 4 saal mein. Uske baad pure 21 saal pure savings hi savings.

Sharma Family Ka 3kW System, Jaipur

Sharma family Jaipur mein rehti hai. Ghar mein 5 log hain. AC bhi chalta hai. Bill tha ₹2,500 per mahine.
3kW solar system lagwaya. Central government ki ₹78,000 aur Rajasthan ki extra ₹17,000, kul ₹95,000 subsidy mili.
Net cost aayi ₹50,000 jo unhone bank loan par liya. EMI ₹1,000 per mahine. Ab bijli bill ₹200 aata hai. Net saving ₹1,300+ per mahine. Loan ki EMI se savings zyada hain.

Verma Pariwar Ka 5kW System, Pune

Verma pariwar Pune mein rehta hai. 10 log ka bada joint family. 2 AC, fridge, washing machine sab chalta hai. Bill tha ₹5,000+ per mahine.
5kW ka solar system lagwaya. Maximum ₹78,000 central subsidy mili. Remaining cost loan par li. Ab bijli bill ₹400 aata hai. Net metering se credit bhi milta hai. System ka paisa roughly 5 saal mein vasool ho jaayega.

PM Kusum & PM Surya Ghar ka comparison

Ye common confusion hai jo bahut logo ko hoti hai. Dono solar schemes hain, lekin dono ka kaam bilkul alag hai. Agar aap ghar ke malik ho, PM Surya Ghar aapke liye hai. Agar aap kisan ho aur pump solar se chalwana chahte ho, PM-KUSUM sahi scheme hai.

Cheez / Kaam	PM Surya Ghar	PM KUSUM
Kiske Liye	Ghar ke malik	Kisan yaani farmers
Kahan Lagega	Ghar ki chhat par	Khet mein ya pump ke paas
Kya Milega	Free bijli + ₹78K subsidy	Sinchai pump solar se chalega
Apply Kahan	pmsuryaghar.gov.in	State Agriculture Portal
Grid Connection	Haan, net metering	Usually off-grid hota hai

PM Surya Ghar FAQ’S

Ye ek central government ki scheme hai. 13 February 2024 ko PM Modi ne launch ki. Isme ghar ki chhat par solar panel lagwane par sarkar ₹30,000 se ₹78,000 tak ki subsidy deti hai. Aur 300 unit tak bijli har mahine muft milti hai.

1kW par ₹30,000. 2kW par ₹60,000. 3kW ya zyada par ₹78,000. Ye subsidy installation ke 30 se 45 din baad seedha bank account mein aa jaati hai.

Nahi. Subsidy sirf us insaan ko milti hai jiske naam par ghar aur bijli ka meter dono hain. Kiraaydaar directly apply nahi kar sakte.

3kW system ki cost roughly ₹1,40,000 se ₹1,60,000 hai. ₹78,000 subsidy milne ke baad roughly ₹67,000 khud dena hoga. Ya bank loan lekar monthly EMI mein chuka sakte ho.

₹2 lakh tak ke solar loan ke liye CIBIL score 680 ya usse zyada chahiye. Agar pehle kabhi loan nahi liya yaani New to Credit hain, kuch banks phir bhi consider karte hain. Jansamarth.in par apply karo.

pmsuryaghar.gov.in par “Find Vendor” section mein jaao. Apna state aur district daalo. Nearest empanelled vendor ki list aa jaayegi. Sirf wahi vendor chuno.

Solar se jo extra bijli banti hai, wo grid mein jaati hai. Badle mein bijli bill mein credit milta hai. Mahine ke end mein ye credit bill mein minus ho jaata hai. Isliye bill bahut kam ya zero aata hai.

Modern solar panels ki performance warranty 25 saal ki hoti hai. Matlab 25 saal tak minimum 80% efficiency ki guarantee. Practically panels 30 saal se bhi zyada chalte hain.

Haan, lekin thoda kam. Solar panel sirf seedhi dhoop se nahi, diffused light se bhi bijli banata hai. Badal wale din 40 se 60% efficiency rehti hai. Poori tarah band nahi hota.

DISCOM approval: 7 se 15 din. Installation: 2 se 3 din. Net meter: 20 se 30 din. Subsidy credit: 30 se 45 din. Kul milaakar 60 se 90 din.

Haan. Individual ghar ke liye seedha apply karo. Flat ya society ke liye GHS/RWA category hai. Society ke common rooftop par solar lagta hai. Subsidy milti hai ₹18,000 per kW. Maximum 500kW tak.

Nahi. On-grid system mein battery optional hai. Grid backup ka kaam karta hai. Battery lagwao toh cost badh jaati hai. Lekin power cut mein bhi bijli chahiye toh battery useful hoti hai.

Government ne ise compulsory nahi kiya. Lekin hum strongly sochte hain leni chahiye. Solar ek badi investment hai. Toofan, aag, chori, kuch bhi ho sakta hai. Annual premium sirf ₹500 se ₹1,500 hoti hai. Ek baar ka nuksaan sab barbad kar sakta hai.

Nahi. PM Surya Ghar sirf residential yaani ghar ke liye hai. Commercial ya industrial ke liye alag schemes hain. Lekin agar ghar mein hi chhoti dukaan bhi hai, toh apply kiya ja sakta hai.

Government ka toll-free helpline number hai 15555. Ye 24 ghante, 7 din chalta hai. Ya pmsuryaghar.gov.in par Grievance section mein online complaint darj karo.

PM Surya Ghar: Muft Bijli Yojana 2026Eligibility & Apply online | Subsidy Schemes | Solar Insurance & Loans