UP subsidy guidance
For an eligible 3 kW+ residential system: central CFA can be ₹78,000 and UP may add up to ₹30,000. We help with the official workflow; approval remains with the government and DISCOM.
Check official portal ↗Residential solar · Uttar Pradesh
Your roof. Your power. Your savings.
Find the right rooftop system, see your subsidy estimate and compare the EMI with your current electricity bill—in under a minute.
UP subsidy guidance
On-grid, hybrid & off-grid
Installation + support
₹78,000*Central CFA at 3 kW+
₹30,000*UP additional benefit
5.75% p.a.*Current scheme-linked reference
25 yearsTypical panel life
₹0
upfront*
upfront*
Shift a recurring bill toward owning your power.
An eligible bank loan can finance the installation so the upfront payment may be very low or ₹0 in an approved structure. You then pay the bank EMI while solar reduces the variable electricity bill. This is financing—not a free system: bank approval, margin, interest, remaining grid charges and actual generation still apply.
On-grid, hybrid & off-grid
Compare a bill-first on-grid system, a battery-backed hybrid system and an independent off-grid system. The correct choice starts with outage needs, grid availability and budget.
Compare all three ↓Installation + support
Roof assessment, system design, installation, protection, net-meter coordination, monitoring handover and after-sales escalation—mapped step by step.
See the 7-step process ↓India solar economics calculator
EMI or direct pay—see the real numbers.
The 3 kW installation estimate is ₹2,00,000. Booking-time discounts may apply after survey. State tariffs are planning references and remain editable outside UP.
kWh / month
kW
UP FY 2026–27 slab rate is calculated from your units; fixed charges are excluded because solar normally does not remove sanctioned-load charges.
Your solar economics
405 units
Estimated solar generation each month
Used directly / adjusted300 units
Potential surplus105 units
Monthly value₹2,010
Estimated installation price₹2,00,000
Central subsidy estimate− ₹78,000
UP additional benefit estimate− ₹30,000
Estimated cost after benefits₹92,000
Estimated EMI₹1,821/mo
Monthly solar value compared with EMI.Total loan payment
Booking-time discount may reduce the final price after the roof survey and equipment selection.
Estimated direct payment after benefits₹92,000
Monthly solar value₹2,010
Annual solar value₹24,120
Estimated break-even3.8 years
Price basis: ₹2,00,000 for 3 kW. Discounts may be applied at booking after survey; taxes, structure and site-specific extras must be confirmed in writing.
25-year value vs investment
Break-even and cumulative value based on your inputs.
Cumulative valueEstimated net cost
Monthly solar rhythm
Indicative seasonality; monsoon and local shade change actual output.
*Planning estimate only—not a quote, generation guarantee, financing offer or subsidy approval. Fixed charges remain on most bills. State reference rates may reflect a representative household and must be checked against your own bill. Surplus export credit depends on the applicable DISCOM settlement rules.
UP FY 2026–27 rate card
What one solar unit is worth.
Urban domestic variable charge; fixed charge is separate. Rural rates are lower and selectable in the calculator.
0–150 units/month₹5.50/unit
151–300 units/month₹6.00/unit
Above 300 units/month₹6.50/unit
Year-end unadjusted export₹2.00/unit*
*Net-meter credits are normally adjusted against later consumption first; ₹2 applies to credits left at settlement under current UPERC treatment.
UP sunlight → household units
A simple way to size your roof.
UPNEDA says 1 kW typically produces 4–5 units/day and needs about 10 m² (~108 sq ft) of shadow-free roof.
4–5 units/day
120–150 units/month · ~100–110 sq ft roof
8–10 units/day
240–300 units/month · ~200–220 sq ft roof
12–15 units/day
360–450 units/month · ~300–330 sq ft roof
20–25 units/day
600–750 units/month · ~500–550 sq ft roof
Example: 5 kW × 4.5 units/day × 30 days ≈ 675 units/month. At ₹6.50/unit, those units can represent up to ₹4,388/month before fixed charges and subject to self-use/net-meter adjustment.
Transparent package pricing
Three sizes that fit most UP homes.
Indicative turnkey pricing for a standard shadow-free rooftop: DCR panels, inverter, galvanised structure, protection, wiring, net-meter paperwork and installation. Final price is confirmed in writing after a roof survey.
3 kW
Best for 150–300 units/month
You pay after subsidy₹92,000
- System price₹2,00,000
- Central subsidy− ₹78,000
- UP state subsidy− ₹30,000
or EMI from₹1,768/mo5.75% · 5 yr · collateral-free
- Roof needed~325 sq ft
- Generation360–450 units/mo
5 kW
Best for 400–700 units/month
You pay after subsidy₹1,92,000
- System price₹3,00,000
- Central subsidy− ₹78,000
- UP state subsidy− ₹30,000
or EMI from₹3,689/mo5.75% · 5 yr · collateral-free
- Roof needed~540 sq ft
- Generation600–750 units/mo
7 kW
Best for 700–1,000 units/month
You pay after subsidy₹2,92,000
- System price₹4,00,000
- Central subsidy− ₹78,000
- UP state subsidy− ₹30,000
or EMI from₹5,907/mo7.90% · 5 yr · above ₹2L
- Roof needed~755 sq ft
- Generation840–1,050 units/mo
Subsidy is capped at 3 kW — a 5 kW or 7 kW system receives the same ₹1,08,000, so the extra capacity is paid at full price. Prices assume a standard RCC roof with a shadow-free area and a single inverter run; high-rise lifts, long cable routes, elevated structures and non-standard roofs are quoted separately.
7
Seven steps. One team.
From roof survey to net meter and subsidy support, you always know what happens next.
Your solar journey
No paperwork maze.
01
Free roof assessment
We check shade, structure, sanctioned load and recent bills.
02
Portal application
Application support on the official PM Surya Ghar workflow.
03
DISCOM feasibility
Technical feasibility and sanctioned-load checks are completed.
04
System design
Panel layout, mounting, inverter and protection are finalized for your roof.
05
Installation
Panels, structure, cabling, earthing and safety devices are installed.
06
Net meter & commissioning
The DISCOM inspects, meters and commissions the on-grid system.
07
Benefit claim support
We help complete the claim and track it; payment is subject to government verification.
Major Indian solar terminology
On-grid, hybrid or off-grid—which system fits you?
These names describe how the complete solar system connects to the electricity grid and battery. Start with your real goal: reduce the bill, keep essentials running in a power cut, or operate independently from the grid.
Important distinctionOn-grid, hybrid and off-grid are system architectures—not solar-panel technologies. Mono PERC, TOPCon or bifacial modules can be used within a suitable system design.
01
On-grid Grid-tied · Bill-saving first
Connected to the DISCOM grid without a battery. Solar serves your home first and eligible surplus can move through the net meter. Usually the simplest and lowest-equipment-cost route for reducing bills.
BatteryNot requiredGrid connectionRequiredBest forMaximum bill savings
During a power cutStandard system shuts down for line-worker safety
Learn everything about on-grid →
02Hybrid Grid + battery · Savings + backup
Combines solar, the grid and battery storage. A correctly designed hybrid system can isolate safely during a grid failure and keep selected essential circuits running.
BatteryNormally includedGrid connectionYesBest forSavings + essential backup
During a power cutProtected backup loads can continue
Learn everything about hybrid →
03Off-grid Standalone · Grid-independent
A standalone solar-and-battery system that does not depend on the DISCOM grid for operation. It must be sized for daily loads, night use, poor-weather reserve and battery autonomy.
BatteryEssentialGrid connectionNot requiredBest forRemote or unreliable-grid sites
During a grid outageSystem continues within battery and design limits
Learn everything about off-grid →
| Quick comparison | On-grid | Hybrid | Off-grid |
|---|---|---|---|
| Primary goal | Reduce bill | Bill saving + backup | Energy independence |
| Equipment cost | Lowest of the three | Higher because of battery and controls | Usually highest for autonomy |
| Net metering / export | Yes, subject to DISCOM approval | Possible when approved and configured | No grid export |
| Government rooftop CFA | Grid-connected residential route | Verify solar portion and DISCOM rules; do not assume battery subsidy | Not the standard grid-connected CFA route |
Then choose capacity
Built around how your home uses power.
These are quick planning guides from the material you supplied. The roof survey decides the final capacity, system type and equipment.
2 kW
For a smaller family and essential loads.
Generation8–10 units/dayRoof~200 sq ftIndicative cost basis~₹1,33,000*
3 kW
For a typical 4–6 person home with everyday appliances.
Generation12–15 units/dayRoof~300 sq ftEstimated price₹2,00,000*
5 kW
For a villa, larger family, ACs or growing energy needs.
Generation20–25 units/dayRoof~500 sq ftIndicative cost basis~₹3,33,000*
Custom plan
Enter your units. See your likely system and price.
This quick UP plan sizes solar against your monthly meter use at 4.5 units/day per kW. The full calculator above lets you change state, tariff, payment mode and assumptions.
kWh / month
Suggested starting size3.5 kW
Estimated generation473 units/mo
Estimated installation price₹2,33,000
After estimated Central + UP benefits₹1,25,000
Use this in full calculator →Planning estimate only. Size rounds up to the next 0.5 kW; final design, subsidy eligibility, price and discount require roof survey and written quotation.
Solar learning centre
Choose with knowledge—not just a brand name.
Explore the panel categories Indian homeowners commonly compare, understand future savings and learn when a battery is worth paying for. Every card opens a complete, interactive guide.
Current buying language: Mono PERC half-cut, N-type TOPCon, bifacial dual-glass—and the separate DCR/ALMM eligibility check.
Proven Indian value
Mono PERC half-cut
~21.25–23.07%
A mature, widely available household option with a strong cost-to-output balance when the exact module and warranty are sound.
- Value-focused rooftop choice
- Established service ecosystem
N-type TOPCon
~22.53–23.50%
A current high-efficiency choice for limited roofs, with strong low-light potential and typically lower long-term degradation.
- More watts per roof area
- Long-term output focus
Bifacial TOPCon dual-glass
Front + rear gain
A two-sided module whose extra yield depends on height, spacing and a bright reflective roof—not simply the word bifacial.
- Useful on raised structures
- Rear-side gain is site-specific
DCR + ALMM ready
Verify exact model
Not a cell technology. It is the essential model-and-manufacturer eligibility check for government-assisted and net-metered projects.
- Protect subsidy eligibility
- Check current MNRE lists
| Compare | Mono PERC half-cut | N-type TOPCon | Bifacial TOPCon | DCR + ALMM check |
|---|---|---|---|---|
| Roof-space efficiency | Good | Excellent | Excellent + possible rear gain | Depends on selected technology |
| Price position | Value | Premium value | Premium + structure | Eligibility requirement |
| Best for | Balanced household budget | Limited roof / long-term output | Raised reflective roofs | Subsidy-assisted purchase |
| What to verify | Exact model · module efficiency · product/performance warranty · current ALMM listing · DCR eligibility · BIS registration · degradation terms · service process | |||
Important: “half-cut” describes cell layout, “dual glass” describes construction, and “bifacial” describes two-sided collection—they are not separate alternatives to PERC or TOPCon. A module can be TOPCon + bifacial + half-cut + dual-glass at the same time.
Why solar is a future-ready household asset
Understand bill savings, tariff protection, break-even, maintenance and the honest limits of the zero-bill promise.
Open benefits guide →
Battery guide: tubular, gel or LiFePO4?
Compare backup purpose, usable capacity, maintenance, inverter compatibility, safety and total ownership cost.
Open battery guide →Clarity before commitment
A better quote tells you what is inside it.
At the survey, ask for the exact panel and inverter model, DCR/ALMM eligibility, structure specification, protection devices, warranty terms and exclusions—in writing.
Confirm equipment eligibility before installation.
Earthing, surge protection, isolators and neat cable routing.
Know what is included, what is extra and what is warranted.
Monitoring help, service contact and a clear escalation path.
AdaniTata Power SolarWaareePremier EnergiesUTL SolarDeyeLuminousPolycabHavellsExide
Good questions
Know before you go solar.
Straight answers to the questions that usually delay a decision.
Is ₹1,08,000 subsidy guaranteed for every 3 kW system?
No installer should guarantee a government payment. The estimate combines ₹78,000 central CFA for an eligible 3 kW+ residential system and the UP additional benefit of up to ₹30,000. Eligibility, approved equipment, portal process, commissioning and prevailing rules all matter.
Will on-grid solar work during a power cut?
A standard on-grid inverter shuts down during an outage for lineman safety. If you need backup, ask for a hybrid system with compatible batteries; it costs more and needs a different design.
How much roof space does 3 kW need?
Plan for roughly 300 sq ft of shadow-free space. Water tanks, stair rooms, parapets and nearby buildings can reduce usable area, so a physical shadow assessment matters.
Why is the EMI only an estimate?
Banks set the final interest rate, tenure, processing charges and subsidy treatment after credit and project checks. The calculator uses a standard reducing-balance EMI on the estimated post-benefit cost so you can plan—not as a loan sanction.
Which panel and inverter will I get?
Do not accept a generic brand list as the answer. Your final quote should state the exact manufacturer, model, wattage, technical datasheet and warranty for every major component.
Ready for a roof that pays you back?
Send your city and latest electricity bill on WhatsApp. Cosmic Solar can suggest a starting size and schedule a roof assessment.
Start on WhatsApp →+91 84333 50009