Government Schemes
How to Apply for PM Surya Ghar Muft Bijli Yojana Online in 2026
Latest subsidy rates, eligibility, documents, loans and every step of the online registration - from first login to the subsidy reaching your bank account.
By Bhanu PV Solar
MNRE-registered rooftop solar vendor
Key takeaways
- Central subsidy of ₹30,000 for 1 kW, ₹60,000 for 2 kW and ₹78,000 for 3 kW - ₹78,000 is the maximum for homes in most states.
- Apply only on the official portal, pmsuryaghar.gov.in, and wait for DISCOM feasibility approval before installing.
- You need an electricity connection in your name, your own roof, a grid-tied system and ALMM-listed DCR panels.
- Collateral-free loans were reported at 5.75% a year (July 2026) through the Jan Samarth Portal.
- From registration to subsidy in your bank account typically takes about 32 to 57 days.
In this article
Are you planning to install solar panels at your home and reduce your electricity bills? The PM Surya Ghar Muft Bijli Yojana 2026 provides eligible residential households in India with government subsidy support for rooftop solar installations.
The scheme has continued to expand, with the Government of India reporting more than 50 lakh beneficiary households in August 2026. Newer implementation measures include simplified approval processes, digital net-metering agreements, vendor ratings and concessional financing for eligible applicants.
In this updated guide, Bhanu PV Solar Pvt Ltd explains how to apply online, the latest available subsidy rates, eligibility requirements, required documents and the steps involved in getting your rooftop solar system installed.
Official registration portal: https://pmsuryaghar.gov.in/
What Is PM Surya Ghar Muft Bijli Yojana?
The PM Surya Ghar: Muft Bijli Yojana is a Government of India initiative launched in February 2024 to encourage households to generate their own electricity through rooftop solar systems.
The scheme has a total approved outlay of ₹75,021 crore and aims to support rooftop solar installations in one crore households.
Under the scheme, eligible residential electricity consumers can receive Central Financial Assistance (CFA) for qualifying rooftop solar installations. The initiative aims to help households access up to 300 units of electricity per month through solar generation, depending on system performance and household consumption.
According to the Ministry of New and Renewable Energy (MNRE), the scheme is designed to reduce electricity expenses, encourage clean energy adoption and make rooftop solar more accessible.
Latest PM Surya Ghar Yojana Updates for 2026
Several developments are important for consumers planning a rooftop solar installation.
Update 1: More than 50 lakh households have benefited
On 4 August 2026, the Ministry of New and Renewable Energy reported that more than 50.06 lakh households had benefited from rooftop solar installations under the scheme.
This demonstrates the growing adoption of residential solar across India.
Update 2: Simplified approval for systems up to 10 kW
A deemed-approval and feasibility-waiver measure has been introduced for rooftop solar systems up to 10 kW.
Consumers should check the current portal and applicable DISCOM process to confirm how this measure applies to their particular connection and application.
Update 3: Digital net-metering agreements
The scheme has introduced digital net-metering agreements through the National Portal, helping streamline the process for eligible consumers.
Net metering allows eligible solar consumers to export surplus electricity to the grid under the applicable state regulations and settlement arrangements.
Update 4: Improved subsidy-processing systems
Integration with the Public Financial Management System (PFMS) and other digital systems has helped streamline subsidy processing.
According to the government's August 2026 update, the digital framework supports subsidy release within 15 days once the applicable requirements are fulfilled. This is not a guarantee that every application will be processed within 15 days.
Update 5: Solar vendor ratings
A vendor-rating framework has been introduced to help consumers assess registered vendors.
Before selecting a vendor, check their registration status, available ratings, installation quality, warranty commitments and after-sales service arrangements on the official portal.
Update 6: Concessional loans for eligible households
The government has reported collateral-free loans through participating nationalized banks at a concessional interest rate benchmarked to the repo rate plus 50 basis points. The reported rate was 5.75% per annum in July 2026, with a tenure of up to 10 years.
Loan availability, interest rates and terms are subject to the participating bank's current offer and eligibility assessment.
Official source: Latest PM Surya Ghar government update
What Is the PM Surya Ghar Solar Subsidy in 2026?
Under the standard Central Financial Assistance structure for eligible residential consumers in most states, the subsidy is calculated as follows:
| Rooftop solar capacity | Central subsidy |
|---|---|
| 1 kW | ₹30,000 |
| 2 kW | ₹60,000 |
| 3 kW | ₹78,000 |
| Above 3 kW | ₹78,000 maximum under the standard structure |
For systems above 3 kW, the standard central subsidy does not continue increasing with system capacity.
Special-category states and union territories may have different rates. The applicable subsidy must be confirmed against the current government guidelines.
Example: How much subsidy can you receive?
Suppose an eligible household installs a 3 kW rooftop solar system.
- Applicable standard central subsidy: ₹78,000
- Remaining effective cost: Depends on the vendor's total installation price and any additional applicable benefits.
For example, if the eligible installation costs ₹1,80,000, subtracting a ₹78,000 central subsidy would leave an effective cost of ₹1,02,000.
PM Surya Ghar Muft Bijli Yojana Online Application Steps
The entire journey happens online through the PM Surya Ghar Muft Bijli Yojana National Portal for Rooftop Solar.
Here's a step-by-step breakdown of how you should apply online to receive your PM Surya Ghar Muft Bijli Yojana solar subsidy straight into your bank account.
Step 1 – Open the National Portal for Rooftop Solar
Go to the official portal at pmsuryaghar.gov.in. On the home page, follow these chain of steps for consumer login registration:
- Open the consumer section
- Click Apply Now
Or you can use the Login dropdown and select Consumer Login.
This portal is the single official entry point for filing the rooftop solar application under PM Surya Ghar Yojana. So, avoid any third-party site that asks for your login details.
Step 2 – Create Your Profile
Register with your mobile number, enter the captcha, and confirm that you have read the scheme guidelines. Then, verify the one-time password sent to your phone.
Once you log in, fill in your profile with your name, email address, address, state, district, and PIN code, and save it.
This profile serves as the basis for your application.
Step 3 – Complete the Application Form Online
From your dashboard, click on the Apply for Solar Rooftop form. Then, follow these chain of steps:
- Select your state, district, and electricity distribution company.
- Login with your consumer account number.
- Click Fetch Details so the portal pulls your connection information.
- Add your roof details and sanctioned load.
Then, submit the pmsuryaghar.gov.in online application form.
Your application now goes to your DISCOM for feasibility approval, a technical check to confirm that your connection and roof can support a rooftop solar plant. For systems up to 10 kW, this is now deemed approval, meaning the DISCOM won't conduct a physical site inspection. Wait for this approval before any installation begins, since installing first can put your subsidy at risk.
Step 4 – Add Banking Information
Provide the bank account details that will receive your subsidy. The scheme pays the central subsidy through direct bank transfer (DBT). Therefore, the account should be active and linked with your Aadhaar.
You will confirm these details and upload a cancelled cheque later when you raise the subsidy request.
Step 5 – Choose an Empanelled Installer
After feasibility approval, pick a registered vendor from the Pradhan Mantri Surya Ghar Muft Bijli Yojana portal's state-wise list and request a quote.
Look for an installer that backs its work with a clear warranty and an after-sales maintenance plan. Make sure the vendor uses ALMM-listed, DCR-compliant high-efficiency solar panels, as the subsidy depends on them.
Bhanu PV Solar, for instance, is an MNRE-registered vendor on the PM Surya Ghar National Portal, with 50,000+ projects and 90+ MW of solar capacity delivered over 12+ years. We handle the portal application, paperwork and installation for you.
Step 6 – Upload the Signed Agreement
Sign the agreement with your chosen vendor and upload it to the portal. This locks in the system size, cost and scope of work, and clears the way for installation to start.
Step 7 – Net Meter is Installed
Once your vendor finishes the installation, submit the plant details on the portal and apply for the net meter. A good vendor will take this step forward on your behalf.
Your DISCOM then installs the net meter and inspects the site. The bidirectional net meter or smart meter the DISCOM installs tracks the power you draw from the grid against the surplus your system generates and sends to the grid, which is how your bill savings are calculated.
Step 8 – Get the Solar Commissioning Certificate
After the inspection clears, your DISCOM generates the solar commissioning certificate directly on the portal. This certificate is the official confirmation that your system is live and grid-connected, and it is the trigger for the subsidy claim.
Step 9 – Submit the Subsidy Request
With the commissioning certificate issued, you need to login again into the portal using the consumer login account you created on the portal.
- Upload the commissioning certificate to the portal.
- Submit your bank account details and a cancelled cheque through the portal to raise the subsidy request.
- Double-check the account number and IFSC, as the subsidy is deposited in this exact account.
Step 10 – Receive the Subsidy
Once your request is processed, the central subsidy is credited directly to your bank account via a direct transfer, usually within 30 days of the plant being commissioned. No cheque collection or office visit is needed.
Who is Eligible for the Pradhan Mantri Surya Ghar Muft Bijli Yojana?
Indian citizens who meet the criteria listed below can apply for the PM Surya Ghar Muft Bijli Yojana online:
- You must have a valid electricity connection in your name with your local DISCOM.
- You must choose ALMM-approved, DCR solar panels.
- You should choose a grid-tied rooftop solar system.
- You should be the legal owner of the roof/property where the system will be installed.
- You haven't received a subsidy for systems up to 3 kW before.
Documents Needed for Rooftop Solar Subsidy Application Under PM Surya Ghar Yojana
Keep these documents ready from the beginning, as you would need them during the different stages of the subsidy application procedure:
- Aadhaar card for identity verification.
- A recent electricity bill that shows your consumer number and connection details.
- Bank passbook or cancelled cheque for the subsidy transfer.
- Proof of roof ownership or the owner's consent if you are not the sole owner.
How to Check the Pradhan Mantri Surya Ghar Muft Bijli Yojana Application Status?
Tracking your application is pretty straightforward once you have completed your PM Surya Ghar consumer login registration online.
- Step 1 – Login to your consumer account on pmsuryaghar.gov.in website: You can do this simply with your registered mobile number.
- Step 2 – Open the application tracker: Click Track Application on your dashboard to see where your file stands. You can also view progress date-wise on the dashboard, which makes it easy to spot a stage that is taking longer than expected.
How to Apply for the PM Surya Ghar Loan?
If you would rather not pay the full system cost upfront, the scheme connects you to collateral-free loans through the Jan Samarth Portal. Many public sector undertaking (PSU) banks offer solar loans at low interest rates. Some of the best options include the SBI solar loan and the PNB solar loan.
Here's a breakdown of how you can apply for the PM Surya Ghar loan through PSU banks:
- Pick your installer first: Choose an experienced vendor, ideally one that offers a clear warranty and an after-sales maintenance plan.
- Register on the Jan Samarth Portal: Your solar loan journey starts with online registration there.
- Visit the branch for KYC: After you apply, go to the bank branch to complete verification and submit your documents.
- Allow the site inspection: A bank representative inspects your rooftop in person before sanctioning the loan.
- Receive a staged disbursement: Part of the loan is disbursed to the vendor before installation begins, and the balance is released once your system is installed and commissioned by the DISCOM.
Complete Timeline - From Application to Subsidy
The end-to-end timeline depends mostly on how quickly your DISCOM moves and how soon your vendor installs.
Here is a realistic stage-by-stage view.
| Stage | Action | Typical Duration |
|---|---|---|
| Consumer login registration on the portal | Account creation + application form | 15-30 minutes |
| DISCOM feasibility approval | Automatic review by DISCOM | 1 day |
| Vendor selection + quote | Contact vendors on portal | 3-7 days |
| Installation | Vendor installs the rooftop PV system | 1 day |
| Installation detail submission on the portal | Portal submission + DISCOM scheduling | 1 day |
| DISCOM inspection | Site visit + meter replacement | 3-10 days |
| Solar commissioning certificate | Generated by DISCOM on portal | 3-7 days |
| Subsidy disbursement | DBT to bank/loan account | 20-30 days of plant commissioning |
| Total End-to-End | ~32 to 57 days | |
Scheme details are as of October 2026. Subsidy rates, loan terms and portal steps can change - always confirm the current rules on pmsuryaghar.gov.in or with your DISCOM before you apply.
FAQs – PM Surya Ghar Muft Bijli Yojana 2026
What is PM Surya Ghar Yojana?
A government scheme offering subsidies to eligible households for rooftop solar installation.
How much subsidy can I get?
Up to ₹78,000 for eligible residential systems in most states.
How can I apply online?
Visit https://pmsuryaghar.gov.in/ and register your electricity connection.
Who is eligible?
Eligible residential electricity consumers meeting the scheme requirements.
Can Gujarat residents apply?
Yes, eligible households in Gujarat can apply through the official portal.
How long does subsidy payment take?
Processing time varies depending on verification and completion of requirements.
Is solar installation completely free?
No. The subsidy covers only part of the eligible installation cost.
Can commercial consumers receive this subsidy?
The standard subsidy is for eligible residential consumers, not commercial or industrial connections.
Can solar reduce my electricity bill to zero?
It may, depending on your consumption, solar generation and applicable charges.
Where can I get rooftop solar installed?
Contact Bhanu PV Solar Pvt Ltd for residential solar solutions and installation guidance.
