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!