With electricity prices rising every year, the Government of India’s PM Surya Ghar Muft Bijli Yojana has emerged as a lifeline for middle-class and low-income families. The scheme doesn’t just reduce your bills; it empowers you to generate your own power and even earn money by selling excess energy back to the grid.

If you are tired of high monthly bills, here is everything you need to know about this solar revolution in 2025.

1. Core Benefits: Why Should You Apply?

The scheme is designed to be a win-win for both the consumer and the environment.

  • Free Electricity: Eligible households can get up to 300 units of free electricity every month.
  • High Subsidies: The central government provides a direct subsidy of up to ₹78,000 for a 3kW system.
  • Additional Income: If your panels produce more electricity than you use, you can sell the surplus to your local DISCOM and earn ₹15,000–₹18,000 annually.

2. Subsidy Structure 2025

The subsidy depends on the capacity of the solar plant you install.

System CapacityAvg. Monthly UnitsSubsidy Amount (Central)
1 kW0 – 150₹30,000
2 kW150 – 300₹60,000
3 kW or moreAbove 300₹78,000 (Maximum)

Note: Some states like Rajasthan and Uttar Pradesh offer additional state-level subsidies, which can take your total benefit over ₹1 lakh.

3. Eligibility Criteria

To apply for the PM Surya Ghar Yojana, you must meet the following:

  • Citizenship: You must be an Indian resident.
  • Home Ownership: You must own a house with a concrete roof suitable for solar panels.
  • Valid Connection: You must have an active electricity connection in your name.
  • No Prior Subsidy: You should not have availed of any other government solar subsidy in the past.

4. Easy Financing: Low-Interest Loans

Don’t have the funds to pay for the installation upfront? The government has partnered with major banks to provide:

  • Collateral-Free Loans: No need to pledge your house or assets for systems up to 3kW.
  • Low Interest Rates: Loans are available at around 7% interest, which is significantly lower than personal loans.

5. How to Apply Online (Step-by-Step)

  1. Registration: Visit the official portal pmsuryaghar.gov.in and register using your mobile number and consumer ID.
  2. Application: Fill out the rooftop solar application and wait for Technical Feasibility Approval from your local DISCOM.
  3. Installation: Once approved, choose an empanelled vendor from the portal to install the system.
  4. Net Metering: After installation, apply for a net meter. DISCOM will inspect the setup and issue a commissioning certificate.
  5. Subsidy Credit: Submit your bank details and a cancelled cheque on the portal. The subsidy will be credited within 30 days.

Conclusion

The PM Surya Ghar Muft Bijli Yojana is more than just a subsidy; it is a step toward energy independence. By March 2026, over 40 lakh homes are expected to go solar. If you have an empty rooftop, now is the best time to turn it into a powerhouse that pays for itself.

Are you worried about the maintenance of solar panels? Let us know in the comments, and we will guide you on how to keep your system running for 25 years!