State-Wise Rooftop Solar Schemes in India 2026: Subsidy Comparison and Solar Loan Guide
Last Updated: February 03, 2026
India's rooftop solar adoption surges under the national PM Surya Ghar Muft Bijli Yojana, providing up to a ₹78,000 rooftop solar subsidy (₹30,000/kW up to 2 kW, ₹18,000/kW additional up to 3 kW max). States add unique incentives, net metering perks, and targeted programs to boost residential rooftop solar savings.
This 2026 overview compares key state schemes with the central PM Surya Ghar, highlighting solar
subsidy variations, eligibility, and how solar loans with PM Surya Ghar or state options make installations affordable nationwide.
Central Baseline: PM Surya Ghar Muft Bijli Yojana
- Subsidy: Up to ₹78,000 for 3 kW+ systems
- Benefits: Up to 300 free units/month via net metering, direct DBT
- Application: pmsuryaghar.gov.in
- Loan Integration: Collateral-free solar loans at 7-11% p.a., 5-10 year tenure
States build on this for extra affordability.
| State | Key Scheme/Program | Additional/State Subsidy (on top of Central) | Total Potential for 3 kW | Special Features/Net Metering | Adoption Notes |
|---|---|---|---|---|---|
| Gujarat | SURYA Gujarat (Surya Urja Rooftop Yojana) | Variable top-ups/waivers (historically strong support, e.g., regulatory charge waivers) | ₹78,000+ (central dominant + state ease) | Robust 1:1 net metering, high installation leader | Tops national residential capacity |
| Maharashtra | SMART (Swayampurna Maharashtra Residential Rooftop) + central alignment | Heavy for low-consumption/BPL/SC/ST (90-95% total subsidy, e.g., ₹2,500-₹5,000 consumer pay for 1 kW) | Up to ₹78,000 central + state for targeted groups | Full net metering support, incentives for housing societies | Strong installations, focused on EWS |
| Delhi | State top-up on central | Up to ₹10,000-₹30,000 (₹10,000/kW up to 3 kW) | ₹78,000-₹1,08,000 | Strong net metering, urban focus | High additional capital subsidy |
| Uttar Pradesh | UPNEDA/KUSUM integration | Up to ₹15,000-₹30,000 per kW (capped ₹30,000) | ₹78,000-₹1,08,000 | Net metering available | Extra for residential rooftops |
| Karnataka | BESCOM/MESCOM schemes | Up to ₹10,000/kW or 40% in select cases | ₹78,000+ | Good net metering, rebates for consumers | Moderate-high adoption |
| Tamil Nadu | TANGEDCO alignment | Aligned with central; limited additional | Primarily ₹78,000 | Net metering support | High installed capacity historically |
Many states (e.g., Haryana, Punjab, Rajasthan) offer targeted aid like extra for low-income or villages, while others focus on execution and net metering excellence.
Net Metering Across States
Most DISCOMs support full net metering:
- 1:1 credit ratio for excess power
- Carry forward of unused credits
- Annual settlement in many cases
- Enables 300+ free units under PM Surya Ghar + state credits
Gujarat and Maharashtra excel with seamless, high-cap support.
Combine Solar Loan with State and Central Schemes
PM Surya Ghar subsidy reduces costs 30-40%; state add-ons lower it further. Residential rooftop solar loan covers balance:
- Interest rates: 7-11% p.a. (lower for linked schemes)
- Tenure: 5-10 years
- Low/zero down payment post-subsidy
- Collateral-free for smaller systems
- EMIs offset by savings + net metering credits
Process: Free site survey, apply via Ratnaafin partners, install with MNRE-approved vendor, claim subsidies to reduce principal.
Benefits of State + Central Rooftop Solar
- Annual bill savings ₹15,000-₹18,000+
- 4-6 year payback
- Eco-impact: Lower carbon footprint
- Property value boost
- Tariff hike protection
Why Ratnaafin for State-Wise Solar Financing
Ratnaafin handles nationwide solar financing under PM Surya Ghar and state schemes.
Advantages:
- Expert help with subsidy applications (central portal + state portals)
- Customized residential solar loans with low solar loan interest rates
- Fast approvals and subsidy-linked options
- Full service: Free assessment, MNRE-approved installation, net metering setup
- Monitoring app + after-sales support
Choose Your State's Solar Path in 2026
State variations make rooftop solar subsidy 2026 even more attractive—combine central reliability with local extras. Pair with a solar loan for easy, affordable muft bijli.
Contact Ratnaafin for free consultation, site survey, and personalized quote matching your state's
incentives + solar loan. Secure benefits now; inquire today!
