Finance Navigator

Solar loan readiness tool

Find out your real net cost after subsidy, which finance options suit your situation, and exactly what documents to bring to a bank. Honest — no promises.

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Your real net cost after subsidy

Most people see the gross system price and assume they need that much in finance. After the PM Surya Ghar central subsidy, the real number is much lower.

Not sure? A 3 kW system suits a monthly bill of ₹2,500–4,000. Use our Solar Calculator to check.
₹500₹3,000/month₹15,000

APDCL rates differ between rural and urban-classified areas. Pick whichever matches your connection — this changes how much your generated units are worth.

Which path are you considering?

Standard (DCR)
System cost₹1,89,000
Central subsidy− ₹85,800
Your net cost₹1,03,200
DCR-compliant panels (ALMM List-II) required. Panels cost more but subsidy offsets it.
vs
Give It Up (Non-DCR)
System cost₹1,50,000
Central subsidy₹0 — given up
Your net cost₹1,50,000
Non-DCR panels allowed. Faster supply. But you give up ₹85,800 in subsidy.

Prices shown are indicative starting points based on typical market rates. Your actual quote may vary depending on your delivery location and the place of installation — remote districts, roof height, and site access can all affect the final price. SuryaSelect-verified vendors will confirm an exact quote for your specific site.

Gross system cost (3 kW)₹1,89,000
PM Surya Ghar central subsidy (NE special category — disbursed within ~30 days of installation)− ₹85,800
Your real net cost to arrange₹1,03,200
Expected monthly electricity saving~₹1,845/month