SolarSense INDIA · On-grid · Off-grid · Surplus space

Solar Calculator India: Rooftop Solar Cost, Subsidy & Payback

Estimate the right system size, installed cost after the PM Surya Ghar subsidy, monthly savings and payback period for your home or business. Pick on-grid, off-grid or surplus-space solar below — the calculator uses your state's electricity tariff and buyback rate and runs entirely in your browser.

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Step One

What kind of solar setup do you want?

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On-Grid
Stay connected to the grid. Cover your own bill, export the surplus, claim subsidy.
Cost: ₹55–70k / kWp
Subsidy: ✓ Up to ₹78,000
Backup: ✗ None during outage
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Off-Grid
Fully independent with battery storage. Works through outages, no DISCOM needed.
Cost: ₹95–140k / kWp
Subsidy: ✗ Not eligible
Backup: ✓ Full autonomy
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Earn from Surplus Space
You have spare rooftop, terrace, or land. Oversize the system and sell what you don't use.
Cost: ₹50–65k / kWp
Start from: 500 sq ft
Return: 10–16% yield
Not sure which? Read these first
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What is an On-Grid system?
Most common choice for Indian homes · subsidy eligible
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An on-grid (grid-tied) system connects your panels directly to the utility grid through a bi-directional meter. There are no batteries. When your panels produce more than you consume, the excess flows back to the grid and your meter runs backwards.

How the money works: Under net metering you're billed only on net consumption. Generate 400 units, use 300, and you pay for zero while carrying a 100-unit credit. Some states pay cash for surplus at a buyback rate (₹2–3.5/kWh); others only offset your bill.

Where it wins:

  • Cheapest per kWp — no battery, which is 40–50% of an off-grid system
  • Only configuration eligible for the PM Surya Ghar subsidy (up to ₹78,000)
  • Lowest maintenance — no battery replacement every 5–8 years
  • Payback typically 3–5 years in high-tariff states

The catch: During a grid outage an on-grid inverter shuts down automatically — even in bright sunlight. This is mandatory anti-islanding safety so linemen repairing the grid aren't electrocuted by your exported power. If you have 4+ hour daily outages, that's a real problem.

Best for: Urban and semi-urban homes with reliable grid supply and high bills. Under 2 hours of daily outage? This is almost always right.

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What is an Off-Grid system?
Full independence · battery storage · no subsidy
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An off-grid system is self-contained. Panels charge a battery bank during the day; the battery powers your home at night and through outages. You're either not connected to the DISCOM at all, or you keep the connection purely as backup.

How the money works: You're not selling anything. Your return is the electricity bill you avoid entirely, plus the diesel generator you stop running. In areas with 6+ hours of daily load-shedding, DG fuel savings alone often justify the system.

Where it wins:

  • Works through blackouts — the single biggest reason people go off-grid
  • No DISCOM paperwork, no net metering application, no approval wait
  • Essential for remote sites: farmhouses, hill stations, telecom towers
  • Replaces diesel generators, which cost ₹18–25 per unit to run

The catch: Batteries are expensive and they die. Lead-acid lasts 4–6 years; lithium (LFP) lasts 10–15 but costs 2.5× upfront. Budget for a full replacement in year 6 with lead-acid. There is also no PM Surya Ghar subsidy for off-grid residential — the scheme requires grid connection and net metering.

Sizing is different: You size for your worst day, not your average. Two consecutive cloudy days with no grid means the battery carries the whole load. Off-grid systems run 30–50% oversized versus on-grid.

Best for: Rural homes, farmhouses, 4+ hours of daily outage, or anyone who cannot tolerate a power cut.

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What about Hybrid systems?
Best of both · partial subsidy in some states
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A hybrid system is grid-tied with a battery. It exports surplus like on-grid, but keeps a small battery (2–5 kWh) to run essential loads during outages — lights, fans, fridge, router.

The battery is deliberately undersized. You aren't trying to run the AC through a 6-hour cut; you're keeping the fridge cold and the lights on. That keeps cost far below true off-grid.

Subsidy nuance: Several DISCOMs let the solar portion claim PM Surya Ghar subsidy as long as export capability and a net meter are installed. The battery is never subsidised. Rules vary — confirm before assuming.

Best for: Urban homes with occasional but disruptive outages, home offices, medical equipment. Costs roughly 1.5–1.7× an equivalent on-grid system.

Configure this by choosing On-Grid and enabling battery backup in Step 2.

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Earning from surplus space
Spare terrace, warehouse roof, or a plot of land
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This is for people who have more space than they need power. A big terrace, a warehouse roof, a shed, half an acre of unused land behind the house. Instead of sizing solar to your own bill, you fill the space and sell the surplus.

The core idea: Your own consumption might need 3 kWp. But you have room for 12 kWp. Those extra 9 kWp generate power you'll never use — so it goes to the grid, and the DISCOM pays you for it.

What you actually earn: Self-consumed units are worth your full tariff (₹5–7.5/kWh) because you avoid buying them. Exported units earn the buyback rate (₹2–3.5/kWh), which is always lower. So the economics are strongest when you use as much as you can and sell the remainder.

Three practical scales:

  • Spare rooftop (500–1,500 sq ft): 5–15 kWp. Still residential. PM Surya Ghar: max ₹78,000 central subsidy regardless of size. Same installer and paperwork as a standard home system.
  • Warehouse / commercial roof (2,000–10,000 sq ft): 20–100 kWp. Crosses into commercial net metering. No residential subsidy, but accelerated depreciation gives a tax benefit if you have business income.
  • Small ground mount (0.25–2 acres): 50–400 kWp. Needs land conversion and a proper DISCOM application. This is where it becomes a genuine business rather than a bill-offset.

The three real constraints:

  • Sanctioned load cap. Most states cap your rooftop system at 100–150% of your sanctioned load. If your connection is 5 kW, you may not be allowed to install 15 kWp without upgrading the connection. Check this first — it kills more projects than cost does.
  • Subsidy ceiling. PM Surya Ghar is capped at ₹78,000 for any system 3 kW or larger — installing a bigger system gives no additional central subsidy.
  • Buyback isn't cash everywhere. Some DISCOMs credit units against future bills rather than paying cash. If you export far more than you consume, those credits may expire unused at year-end.

Realistic returns: A 10 kWp rooftop in a ₹7/kWh state with 50% self-consumption returns roughly 14–16% annually and pays back in 5–6 years. Push self-consumption higher (run the AC, charge an EV during the day) and it improves sharply.

Best for: Homeowners with large terraces, small businesses with warehouse roofs, or anyone sitting on an idle plot near an existing electricity connection.

Side-by-side comparison
All figures for a typical residential setup, 2025 prices.
On-GridOff-GridSurplus Space
Sized toYour consumptionYour worst dayYour available space
Battery requiredNoYesNo
Cost per kWp₹55–70k₹95–140k₹50–65k (scale discount)
PM Surya Ghar subsidy✓ Max ₹78,000✗ Not eligible✓ Max ₹78,000 (≥3kWp)
Works during blackout✗ Auto shutdown✓ Full backup✗ Auto shutdown
Sell power back✓ Small surplus✗ No export✓ Primary income
Typical payback3–5 yrs6–9 yrs5–7 yrs
MaintenanceLowMedium (battery swap yr 6)Low–Medium
DISCOM approvalRequiredNot neededRequired + load check
Main constraintYour bill sizeBattery costSanctioned load cap
Best forUrban homes, stable gridRural, outage-proneBig terraces, sheds, plots

How this solar calculator works

Every number above is worked out in your browser from a handful of transparent assumptions. Here is exactly what the rooftop solar calculator does with your inputs, so you can check it against any installer's quote.

1. Your daily electricity use

In bill mode, monthly units are divided by 30 to get kWh per day. If you enter a rupee amount instead, it is first divided by your tariff (₹/kWh) to estimate units. In appliance mode, each appliance's watts × quantity × hours per day are added up and divided by 1,000. Appliances you exclude, or high-draw loads you switch off, are left out.

2. System size (kWp)

System size = daily use ÷ peak sun hours for your state, rounded up to the next 0.1 kW (minimum 0.5 kW). Peak sun hours range from about 4.5 (Kerala, West Bengal) to 6.5 (Rajasthan); India averages 4.5–5.5. Off-grid systems are oversized by 35% to cover cloudy days and battery charging losses. For surplus space, size is set by your shadow-free area and panel efficiency instead, and capped by your sanctioned load × the DISCOM's permitted percentage.

3. Generation

Daily generation = kWp × peak sun hours × 0.78. The 0.78 performance ratio accounts for real-world losses from heat, dust, wiring and the inverter. In practice, 1 kW of panels produces about 4 units a day, or roughly 1,400 units a year, at 5 peak sun hours (see solar generation per kW by state). Panel area is estimated as kWp × 100 ÷ panel efficiency (in m²), which works out to roughly 55 sq ft of panels per kW for Mono PERC. Leave extra room for walkways and shade-free spacing. For panel counts by monthly usage and state, see how many solar panels do I need.

4. Cost

Installed cost starts from benchmark rates of ₹65,000 per kW for on-grid and ₹52,000 per kW for off-grid (before batteries). These are split into panels (42%), inverter (18% on-grid, 22% off-grid), mounting structure (12%), balance of system such as cables and protection (14%) and installation labour (14%). Panel cost is then adjusted for the technology you choose (TOPCon +22%, bifacial HJT +38%, and so on), and on-grid systems add ₹8,000 for the net meter. Batteries are priced per kWh of usable storage needed for your days of autonomy. Surplus-space projects use separate per-kW rates, with scale discounts above 25, 50 and 100 kW. Our solar panel cost guide compares these benchmarks with 2026 market quotes for 1–10 kW.

5. Subsidy (PM Surya Ghar)

For residential on-grid systems, the solar subsidy calculator applies the central PM Surya Ghar Muft Bijli Yojana support: ₹30,000 per kW for the first 2 kW, ₹18,000 for the third kW, capped at ₹78,000 for any system of 3 kW or more. Off-grid systems and commercial connections receive no residential subsidy. Commercial roofs and ground mounts instead show the year-one tax benefit of 40% accelerated depreciation, assuming a 30% tax rate (our commercial rooftop solar guide covers sizing, ToD tariffs and payback for businesses). See the PM Surya Ghar subsidy guide for slab-by-slab examples and how to claim it.

6. Savings, export income and payback

On-grid, the calculator assumes you use 65% of what the panels produce, up to your own consumption, and export the rest. Units you use save your full tariff, while exported units earn only your DISCOM's buyback rate. Valuing every export at the buyback rate is cautious, because under net metering exports offset within a billing cycle are worth your full tariff. Tariff and buyback rate are both prefilled from state-wise electricity tariffs and can be edited. Off-grid savings also include an allowance for generator diesel you no longer buy. Payback = net cost after subsidy ÷ first-year benefit. The surplus-space path also projects 25 years of cash flow with 3% annual tariff growth, panel degradation and 1% yearly maintenance.

What it leaves out: state top-up subsidies, loan interest, roof repairs, and DISCOM fees beyond the meter. Treat the result as a well-informed starting point, compare at least three quotes, and read the on-grid solar guide or off-grid solar guide before you buy.

Solar calculator FAQ

How many kW of solar do I need for a ₹3,000 monthly electricity bill?

At ₹7 per unit, a ₹3,000 bill is about 430 units a month, or 14.3 kWh a day. Divided by Delhi's 5.5 peak sun hours, that is a 2.6–2.7 kW system (2.6 kW if you enter the rupee amount, 2.7 kW if you enter 430 units, because the result is rounded up to the next 0.1 kW). In a lower-sunshine state with 4.5 hours, it is closer to 3.2 kW. As a rule of thumb, at 5 peak sun hours the calculator sizes about 1 kW for every 150 units of monthly use. Enter your own bill above for your state's figure.

How much does a 3 kW rooftop solar system cost after subsidy?

Using the calculator's benchmark rates, a 3 kW on-grid system costs about ₹2.0–2.1 lakh before subsidy with polycrystalline or Mono PERC panels, including the net meter. After the ₹78,000 PM Surya Ghar subsidy, you pay roughly ₹1.25–1.32 lakh. Quotes typically vary 15–25% by city and installer, and premium panels cost more.

What is the payback period for rooftop solar in India?

For most homes on grid-connected solar, it is roughly 4–8 years in most states, and up to about 10 years where tariffs are low. For example, the Delhi household above, with a 2.7 kW system costing ₹1.17 lakh after a ₹72,600 subsidy, generates about 4,200 units a year. It saves around ₹24,000 a year in bill savings and export credit, a payback of about 4.8 years. Higher tariffs, more daytime use and sunnier states all shorten payback. Panels are usually warrantied for 25–30 years, so most of their life is free electricity.

Does the PM Surya Ghar subsidy apply to off-grid or commercial solar?

No. The PM Surya Ghar subsidy is for grid-connected rooftop systems on residential connections, installed through a vendor registered on the national portal. Off-grid battery systems and commercial or industrial connections are not eligible, so the calculator shows ₹0 subsidy for them. Businesses can instead claim accelerated depreciation.

Why is exporting solar power worth less than using it?

Under net metering, your DISCOM credits exported units at a buyback rate that is usually ₹2–3.5 per unit, well below the ₹4–7.5 you pay for grid power. Every unit you use yourself is worth your full tariff. That is why shifting loads such as washing, water heating or EV charging to daytime often improves returns more than adding panels.

How much roof space do I need for solar panels?

The panels themselves take about 55 sq ft per kW with Mono PERC (about 50 sq ft with TOPCon, 67 sq ft with polycrystalline). Including walkways and spacing to avoid shading, plan for roughly 80–100 sq ft of shadow-free roof per kW. A typical 3 kW home system therefore needs about 240–300 sq ft.

How accurate is this solar panel cost calculator?

It is designed for a realistic first estimate, not a binding quote. Sizing and generation use state-level sunshine data and a standard loss factor, while costs use national benchmark rates. Your actual quote depends on roof type, cable runs, panel and inverter brand, and local DISCOM charges. Use the estimate to judge whether quotes are in the right range.