Updated for PM Surya Ghar: Muft Bijli Yojana (2026 Guidelines)

3 kW Solar Panel System — Cost, Subsidy & Savings Calculator

India's most popular residential solar configuration. Eligible for the maximum ₹78,000 PM Surya Ghar cash subsidy.

Avg. Tariff:₹7.5/unit
Daily Sunshine:~4.5 Peak Hours
Desired Solar Plant Capacity:3 kW
1 kW (Small Home)3 kW (Most Popular)5 kW (ACs / 3BHK)10 kW (Commercial)
Recommended Plant
3 kW

Requires 285 sq. ft. of shadow-free roof. Generates ~357 units/month.

Govt. Cash Subsidy
₹78,000

Direct Bank Transfer (DBT) credited straight to your bank account via PM Surya Ghar portal.

Net Out-of-Pocket
₹87,000

Original Cost: ₹1,65,000. Recovers cost in 2.7 Years!

Full Financial & Energy Feasibility Breakdown

Monthly Bill Savings₹2,678~₹32,136 / year
Payback Period2.7 YearsThen 21+ yrs 100% free power
25-Yr Net Savings₹9,79,614With 3% annual tariff inflation
5-Yr Solar Loan EMI₹1,723/moLess than your current bill!
Green Impact: Avoids 3.5 Tonnes of $CO_2$ every year — equivalent to planting ~158 trees!
🌱 100% Eco-Friendly
Official Subsidy Slabs
25-Year Performance
7.0% Collateral-Free Loan
Instant PDF Download

Why 3 kW is the Sweet Spot for Indian Households

Over 65% of residential solar installations in India are 3 kW on-grid systems. Here is why the 3 kW plant offers the highest return on investment:

🎯 Maximum ₹78,000 Subsidy Utilization

The Government of India caps the PM Surya Ghar subsidy at ₹78,000. By installing a 3 kW system, you extract the maximum financial assistance of 50% of the benchmark equipment cost.

⚡ 300 Free Units / Month Target

The scheme aims to eliminate electricity bills up to 300 units per month. A 3 kW setup produces ~360 units per month, completely wiping out typical electricity bills of ₹2,500 to ₹3,500.

3 kW System Equipment Specifications

Component Typical Specification Warranty
Solar Panels 6 x 540W or 550W Mono PERC / Bi-facial DCR Modules 25-Year Performance Warranty
Grid-Tie Inverter 3 kW Single Phase On-Grid String Inverter (WiFi enabled) 5 to 10-Year Warranty
Mounting Structure Hot-Dip Galvanized Iron (GI) or Anodized Aluminium (wind rating 150 km/h) 15-Year Structural Warranty
Net Meter Bi-directional Smart Meter approved by DISCOM DISCOM Standard