Solar Rooftop ROI Calculator

Work out what a rooftop solar system costs after the PM Surya Ghar subsidy, how much it saves on your electricity bill, and when it pays for itself.

Your tariff drives the answer. The subsidy rules, benchmark cost, minimum generation figure and each state's electricity rate are official; your consumption starting value is a placeholder — enter your own from your latest bill. Net-metering and surplus-unit payment rules differ by state, so surplus units are valued at ₹0 unless you enter a rate.
Your Electricity Use
State / UT
Delhi (New Delhi)▼
Monthly Consumption
units (kWh)
Electricity Utility / Area
BRPL / BYPL / TPDDL
NDMC area
Official rate for Delhi (BRPL / BYPL / TPDDL) at about 300 units a month: ₹3.90/unit. CEA's calculated average of fixed and energy charges plus electricity duty, from the tariff order in force since Oct 2021. It leaves out state subsidies, fuel-cost surcharges and meter rent, so your bill may differ.
Your Electricity Rate
₹/unit
Pre-filled with the official rate above, which already moves with your consumption. Replace it with your own: total bill ÷ units consumed.
That's about ₹1.2K a month.
System & Cost
System Size
Suggested (3 kW)
I'll choose
Sized to cover your yearly use at the generation figure below.
Generation per kW
units/kW/year
Pre-filled with the official minimum: a 3 kW system generates more than 300 units a month. Good sites often do better; use your installer's estimate for your roof.
System Price
MNRE benchmark
My installer's quote
Benchmark: ₹50,000/kW for the first 2 kW and ₹45,000 for each additional kW — a reference price, and real quotes are often higher.
Subsidy & Assumptions
PM Surya Ghar Subsidy
Claim it
Don't claim
Delhi is a general-category state: ₹30,000/kW for the first 2 kW and ₹18,000 for the third. For 3 kW that's ₹78,000. Some states add their own top-up — not included; ask your DISCOM or state nodal agency.
Electricity Price Rise
% a year
An assumption, not a forecast. Set to 0 for a cautious view.
Panel Output Decline
% a year
Value of Surplus Units
₹/unit
What your DISCOM pays for exported units. 0 = ignore them (cautious).
Upkeep & Cleaning
₹/year
Payback period
4.6 years
You invest ₹67.0K after the subsidy of ₹78.0K.
₹4.11L
net gain over 25 years
System Size
3 kW
3,600 units a year
Year-1 Savings
₹14.0K
₹1.2K a month
Bill Covered
100%
of your yearly units
Return on Investment
23.2% a year
internal rate of return over 25 years
How the numbers add up
System price (MNRE benchmark)
₹1.45L
Less: PM Surya Ghar subsidy
− ₹78.0K
= What you pay
₹67.0K
Year-1 generation
3 kW × 1,200 units/kW/year
3,600 units
Year-1 saving on your bill
₹14.0K
units you'd otherwise buy × ₹3.8950000000000005
Cumulative Cash Position (starts negative, turns positive at payback)
012345678910111213141516171819202122232425-₹1.50L₹0₹1.50L₹3.00L₹4.50L
  • Net position
Year-by-Year
YearUnits generatedBill savedNet position
Install——−₹67.0K
13,600₹14.0K−₹53.0K
23,582₹14.4K−₹38.6K
33,564₹14.7K−₹23.9K
43,546₹15.1K−₹8.8K
53,529₹15.5K₹6.7K
63,511₹15.9K₹22.5K
73,493₹16.2K₹38.8K
83,476₹16.7K₹55.4K
93,458₹17.1K₹72.5K
103,441₹17.5K₹90.0K
113,424₹17.9K₹1.08L
123,407₹18.4K₹1.26L
133,390₹18.8K₹1.45L
143,373₹19.3K₹1.64L
153,356₹19.8K₹1.84L
163,339₹20.3K₹2.04L
173,323₹20.8K₹2.25L
183,306₹21.3K₹2.46L
193,289₹21.8K₹2.68L
203,273₹22.4K₹2.91L
213,257₹22.9K₹3.14L
223,240₹23.5K₹3.37L
233,224₹24.1K₹3.61L
243,208₹24.7K₹3.86L
253,192₹25.3K₹4.11L
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Official Figures Used
PM Surya Ghar central subsidy: ₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW (maximum ₹78,000); special-category states and UTs (Uttarakhand, Himachal Pradesh, J&K, Ladakh, the North East including Sikkim, Andaman & Nicobar, Lakshadweep) get ₹33,000 and ₹19,800 (maximum ₹85,800). Nothing is added beyond 3 kW. The scheme runs until 31 March 2027.
Benchmark cost: ₹50,000 per kW for the first 2 kW and ₹45,000 for each additional kW (₹55,000 and ₹49,500 in special-category states). The subsidy is 60% of the benchmark for 2 kW plus 40% for the next kW. Quotes above the benchmark don't raise the subsidy.
Electricity: ₹3.90/unit for Delhi (BRPL / BYPL / TPDDL) at 300 units a month — CEA's effective domestic rate (fixed + energy charges + duty), tariff order in force since Oct 2021.
Generation: a 3 kW rooftop system is expected to generate more than 300 units a month on average, i.e. at least about 1,200 units per kW per year, which is the pre-filled figure.
💡 Estimates only. The subsidy is paid after your system is commissioned and inspected, state top-ups and net-metering terms vary, and electricity tariffs, slabs and fixed charges differ by state and DISCOM. Use your installer's quote and your latest bill for a decision.
Frequently Asked Questions
How much subsidy do I get under PM Surya Ghar?
For residential rooftop solar, the central subsidy is ₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW — a maximum of ₹78,000 for 3 kW or more. In special-category states and UTs (Uttarakhand, Himachal Pradesh, Jammu & Kashmir, Ladakh, the North-East including Sikkim, Andaman & Nicobar Islands and Lakshadweep) the rates are ₹33,000 and ₹19,800, a maximum of ₹85,800. The scheme period runs to 31 March 2027.
How is the payback period calculated?
The calculator takes what you pay after the subsidy, then adds up the bill you avoid each year: solar units that replace units you would otherwise buy, times your electricity rate, rising by the yearly increase you set, less upkeep, with panel output declining slightly each year. Payback is when the running total turns positive.
How many units does a rooftop system generate?
MNRE material says a 3 kW rooftop system is expected to generate more than 300 units a month on average, which is about 1,200 units per kW per year — the pre-filled figure. Actual output depends on your location, shading, tilt and cleaning; use your installer's estimate for your roof.
What system size should I choose?
The calculator suggests a size that covers your yearly consumption at the generation figure you set, rounded up to the next half kW. The subsidy stops growing after 3 kW, so larger systems are only partly subsidised.
What about net metering and surplus units?
Net-metering and surplus-unit payment rules differ by state and DISCOM, so surplus units are valued at ₹0 unless you enter a rate. Some states also add their own top-up subsidy, which this calculator does not include.
Where does the electricity rate come from?
It is pre-filled from the Central Electricity Authority's state-wise domestic "effective rate" (edition as on 31 March 2026), worked out from your state regulator's tariff order for your monthly consumption: fixed and energy charges plus electricity duty. It leaves out state subsidies, fuel-cost surcharges and meter rent, and solar mainly saves the energy part of your bill, so replace it with the rate on your own bill if you can.
Is my data stored or shared?
No. Everything runs in your browser. Scenarios you save are kept only in your own browser's storage.