PM Suryaghar: Muft Bijli Yojana, launched by the Government of India in February 2024, has now crossed its second anniversary and entered the policy maturation phase. As on 19 March 2026, 26,19,879 rooftop systems had been installed under the scheme and ₹17,967.53 crore of central financial assistance had been disbursed to beneficiaries, according to MNRE figures released by PIB. The headline subsidy rates of ₹30,000, ₹60,000, and ₹78,000 for 1 kW, 2 kW, and 3 kW+ residential systems remain frozen at the original 2024 levels, but the surrounding ecosystem of portal features, DISCOM processing speeds, state stack add-ons, and the Ministry of New and Renewable Energy (MNRE) Approved List of Models and Manufacturers (ALMM) has changed meaningfully through 2025 and into 2026.
This is the updates hub we maintain for residential applicants and channel partners, read this once a quarter and you’ll never be caught off-guard by a portal change or a state subsidy revision. We’ll walk through what’s changed in 2026, what’s still pending notification, and the five operational areas we monitor every month across the eighteen DISCOMs where Heaven Green Energy is empanelled.
Direct answer. PM Suryaghar central subsidy rates remain unchanged in 2026 at ₹30K / ₹60K / ₹78K for 1/2/3 kW+ residential systems. The main changes are operational: vendor ratings on the national portal, a smoother Aadhaar OTP verification flow, faster DISCOM feasibility timelines in Gujarat and Maharashtra. Central subsidy disbursed had reached ₹17,967.53 crore by 19 March 2026 (PIB). Heaven Green Energy tracks every policy change monthly across all eighteen empanelled DISCOMs.
If you’re planning to apply in the second half of 2026, the takeaway is simple: the financial offer is the same, but the user experience has improved significantly, and a few states have added local sweeteners worth chasing. The 1 crore homes target by March 2027 means the next nine months will see aggressive throughput, and that aggression brings both opportunity and risk.
Separately, media reports have floated a possible “PM Surya Ghar 2.0” that would link subsidies to actual generation and battery storage instead of just installed capacity. That’s unconfirmed policy discussion, not a live change, so it isn’t part of the tracker above, but our analysis of what PM Surya Ghar 2.0 could mean for the industry is worth a read if you’re weighing whether to wait.
PM Suryaghar Scheme Overview, Where Things Stand in 2026
PM Suryaghar: Muft Bijli Yojana was announced by the Prime Minister on 13 February 2024 with a stated outlay of ₹75,021 crore and a target of 1 crore residential rooftop installations by March 2027. The scheme replaced the earlier MNRE Phase II rooftop solar programme and consolidated central subsidies under a single national portal, pmsuryaghar.gov.in, that all distribution companies (DISCOMs) plug into.
Two years in, the scheme has materially shifted the rooftop solar market. MNRE figures released by PIB show about 5.8 lakh systems installed under the scheme in 2024, 15 lakh in calendar 2025, and another 5.3 lakh between 1 January and 19 March 2026, roughly 2 lakh a month. The combination of a fixed national subsidy rate, a single application portal, and aggressive DISCOM-level activation has compressed the consumer decision cycle from “explore for a year” to “decide in a month.”
With 26.2 lakh systems installed by 19 March 2026 against a target of 1 crore households by FY 2026-27, a large gap remains in the final year. That gap is what’s driving the policy machinery’s current focus on operational throughput rather than incentive changes. Subsidy rates are unlikely to move, but processing speed, vendor accountability, and consumer experience are being optimised continuously.
For new applicants, the practical implication is that 2026 is the best execution window in the scheme’s lifetime. The portal has stabilised, DISCOMs have built dedicated renewable energy cells, vendor empanelment processes are mature, and the DBT pipeline has matured. If you’ve been waiting for the wrinkles to settle, they have. Our full backgrounder for first-time applicants sits in the PM Suryaghar complete guide.
The Suryaghar Policy Change Tracker, 5 Areas We Monitor Monthly
Every policy hub needs a framework, otherwise the updates feel arbitrary. This is the lens we apply across the eighteen DISCOMs we operate in, five distinct surfaces where change tends to land, each with its own change cadence, signal sources, and consumer impact. We call it the Suryaghar Policy Change Tracker, and reviewing these five areas every month is what lets us catch quietly-released circulars before they hit our customers.
Area 1, Central subsidy rates. This is the headline number, ₹30,000 / ₹60,000 / ₹78,000 for 1 kW / 2 kW / 3 kW+ residential systems. MNRE notifies any change through an official circular on the mnre.gov.in circulars page, with parallel updates pushed to the national portal. The current rates have been frozen since the February 2024 launch notification and remain unchanged through the 2026 to 27 financial year budget allocation. Any future revision would require a Cabinet Committee on Economic Affairs (CCEA) approval, which is a multi-month process, so subsidy rate stability is high.
Area 2, DISCOM-level processing speed. Each DISCOM publishes its average feasibility approval time and net-meter inspection time, either on its own portal or via the national dashboard. We track these monthly because they’re the actual determinant of consumer experience, a state with a generous stack but a 60-day feasibility queue is worse than a state with no stack and a 12-day queue. Gujarat, Maharashtra, and Rajasthan currently lead on processing speed.
Area 3, ALMM (Approved List of Models and Manufacturers). The MNRE ALMM register lists every solar PV module model that qualifies for use in subsidised installations. The list is updated quarterly, new tier-1 manufacturers are added, and models that fail compliance audits are dropped. This matters because a panel removed from ALMM mid-installation forfeits your subsidy. We refresh our procurement plan every time the list publishes.
Area 4, State subsidy stack policies. Some states have announced their own subsidy on top of the central ₹78,000; we could not confirm a current amount for any state from a primary source, so check with your DISCOM or state nodal agency (GEDA in Gujarat) whether any state top-up applies when you apply. Any state amounts are announced through state energy department GR (Government Resolution) notifications and can change with state budget cycles. We monitor every state energy department portal and the PIB India press releases for these.
Area 5, National portal feature releases. The PM Suryaghar portal itself ships new features roughly every six to eight weeks. In 2026, the major releases include the vendor rating module, the enhanced Aadhaar OTP flow, multilingual UI improvements, and the application-status SMS push system. Each portal change either reduces friction or adds compliance, we test every release within the first 48 hours of deployment.
We cover the MNRE inverter data localisation rule in a separate guide.
Track these five areas monthly and you have full visibility into the scheme’s evolution. Miss them, and you’ll be guessing at why an application that worked in January failed in March. For a deeper view on how the central and state pieces combine, see the Suryaghar vs state subsidy stack breakdown.
Recent Subsidy Rate History and 2026 Status
Subsidy rate stability is the single most important fact for residential applicants. We’ve compiled the rate timeline across the past three financial years so you can see exactly how unusual the current freeze is in historical context. Before PM Suryaghar, residential rooftop subsidies under the MNRE Phase II programme changed roughly every nine months, the current 26-month freeze is the longest stable period since the central residential subsidy scheme began in 2014.
| Date | Notification | Residential Subsidy (1/2/3 kW+) | What changed |
|---|---|---|---|
| Jul 2022 | MNRE Phase II revised | ₹14,588 / ₹29,176 / ₹43,764 (₹94,822 at 10 kW) | Capacity-utilisation linked; replaced 2019 rates |
| Apr 2023 | MNRE Phase II amendment | ₹14,588 / ₹29,176 / ₹43,764 (₹94,822 at 10 kW) | Rates retained; eligibility tightened |
| Feb 2024 | PM Suryaghar launched | ₹30,000 / ₹60,000 / ₹78,000 | Scheme replaces Phase II; simpler structure |
| Mar 2024 | Operating guidelines released | ₹30,000 / ₹60,000 / ₹78,000 | RWA rate set at ₹18,000/kW (common loads) |
| Aug 2024 | DBT process notified | ₹30,000 / ₹60,000 / ₹78,000 | Direct transfer to the applicant’s bank account submitted on the portal |
| Apr 2025 | FY26 budget allocation | ₹30,000 / ₹60,000 / ₹78,000 | Outlay ₹20,000 cr for FY26, rates retained |
| Apr 2026 | FY27 budget allocation | ₹30,000 / ₹60,000 / ₹78,000 | Outlay maintained, rates retained through Mar 2027 |
| Jun 2026 | Current status | ₹30,000 / ₹60,000 / ₹78,000 | No revision planned before scheme target date |
Source: MNRE circulars, Press Information Bureau PM Suryaghar press notes, Union Budget 2026 to 27 documents.
The pattern is clear, the 2024 launch deliberately set rates that the Centre could sustain through the scheme’s full target window. Any speculation about a mid-scheme bonus or top-up is unfounded; MNRE has not notified any change to the CFA rates, and the scheme is to be implemented till FY 2026-27. For applicants, the practical takeaway is to act inside the current window rather than wait, the rates won’t get better, and waiting only loses generation revenue.
DISCOM-Level Processing Speed Updates
Central subsidy rates are uniform, but DISCOM processing speed is where consumer experience genuinely diverges. We track the median feasibility approval time and median net-meter inspection time for every DISCOM where we operate. Below are the Q2 2026 numbers we observe on the ground, DISCOM-published figures sometimes differ slightly because they exclude weekends and document re-submission days.
| DISCOM | State | Feasibility median | Inspection median | Speed trend (vs 2025) |
|---|---|---|---|---|
| MGVCL | Gujarat (Vadodara) | 7 to 10 days | 5 to 8 days | Faster |
| UGVCL | Gujarat (Ahmedabad/N. Guj) | 8 to 12 days | 6 to 9 days | Faster |
| DGVCL | Gujarat (Surat) | 8 to 11 days | 6 to 9 days | Faster |
| PGVCL | Gujarat (Rajkot/Saurashtra) | 10 to 14 days | 7 to 10 days | Faster |
| MSEDCL | Maharashtra | 10 to 15 days | 8 to 12 days | Faster |
| JVVNL | Rajasthan (Jaipur) | 10 to 18 days | 7 to 14 days | Stable |
| JdVVNL | Rajasthan (Jodhpur) | 12 to 18 days | 8 to 14 days | Stable |
| AVVNL | Rajasthan (Ajmer) | 12 to 20 days | 8 to 14 days | Stable |
| MPMKVVCL (Madhya) | Madhya Pradesh (central) | 14 to 20 days | 10 to 15 days | Slower |
| MPPKVVCL (West) | Madhya Pradesh (west) | 14 to 22 days | 10 to 16 days | Slower |
| UPPCL | Uttar Pradesh | 15 to 25 days | 12 to 20 days | Stable |
| TANGEDCO | Tamil Nadu | 15 to 22 days | 12 to 18 days | Faster |
| BESCOM | Karnataka | 12 to 18 days | 10 to 14 days | Faster |
| BSES Rajdhani | Delhi | 10 to 16 days | 8 to 12 days | Stable |
| Tata Power (Mumbai) | Maharashtra (Mumbai) | 8 to 14 days | 6 to 10 days | Faster |
| KSEB | Kerala | 14 to 20 days | 10 to 15 days | Stable |
| WBSEDCL | West Bengal | 18 to 25 days | 14 to 20 days | Slower |
| APEPDCL | Andhra Pradesh | 12 to 18 days | 10 to 14 days | Stable |
Gujarat’s four DISCOMs lead the country, the renewable energy cells in Vadodara and Ahmedabad have built standing inspection teams that book appointments same-day. Maharashtra’s MSEDCL has cut feasibility from a 20 to 28-day window in 2025 to 10 to 15 days in 2026 by digitising the distribution-transformer-capacity lookup. Rajasthan is stable but consistent; Madhya Pradesh has slowed slightly because of a documentation audit underway. State-specific guides, Gujarat, Maharashtra, Madhya Pradesh, and Rajasthan, go deeper on each DISCOM’s process.
The headline insight: where you live now genuinely affects your end-to-end timeline. A Gujarat applicant can be commissioned in 35 days; a West Bengal applicant typically takes 55 to 65 days. This is not a function of central scheme design, it’s purely DISCOM execution. The central subsidy is processed within 15 days of DISCOM approval regardless, and released when you redeem the e-token on the portal.
State Subsidy Stack Changes in 2026
Some states have announced their own subsidies on top of the central ₹78,000 through state energy department notifications, and these can change with state budget cycles. This tracker no longer lists state amounts: we could not confirm a current state top-up from a primary source for any state. In Gujarat, MGVCL’s PM Surya Ghar subsidy sheet lists only the central amount, so plan on ₹78,000 for a 3 kW+ system. In every state, check with your DISCOM or state nodal agency (GEDA in Gujarat) whether any state top-up applies when you apply, and take the amount only from the current scheme notification.
For specific state guidance, our state hubs, Gujarat, Maharashtra, Madhya Pradesh, Rajasthan, cover the application mechanics and disbursement quirks for each.
Get a state-specific subsidy estimate. Heaven Green Energy’s team will pull the latest GR for your state, calculate your total central + state subsidy in 60 seconds, and walk you through the stack disbursement timeline. Get your free quote →
Portal Feature Releases You Should Know
The national portal at pmsuryaghar.gov.in has shipped a steady stream of incremental improvements through late 2025 and into 2026. Most of these are quality-of-life upgrades, but a few materially change how applications behave. Here are the feature releases worth knowing about, listed in chronological order with the impact on a typical residential applicant.
- Enhanced Aadhaar OTP flow (Jan 2026). The portal’s Aadhaar OTP verification step has been improved to cut failed e-KYC attempts. If your earlier 2024 or 2025 attempt failed at the Aadhaar verification step, retry on the new flow, most retries succeed without document changes.
- Vendor ratings. Under MNRE’s Vendor Rating Programme framework (July 2024), registered vendors with at least 50 installations through the portal get a rating shown on their portal profile and in the vendor list. It is built from consumer feedback and, for larger vendors, sample site quality inspections and a techno-financial assessment; vendors below 50 installations are unrated.
- Application status SMS push (Mar 2026). Status updates are now SMS-pushed at each milestone, feasibility approved, vendor assigned, installation reported, inspection scheduled, DBT initiated. Previously consumers had to log in to check; now updates arrive automatically on the registered mobile.
- Multilingual interface expansion (Apr 2026). The portal now offers full UI translation in 11 languages, Hindi, Gujarati, Marathi, Tamil, Telugu, Kannada, Malayalam, Bengali, Punjabi, Odia, and English. Document upload prompts and error messages now appear in the chosen language.
- Document re-upload without restart (May 2026). Previously, a rejected document forced you to restart the application. The new flow lets you re-upload the specific failed document while preserving the application reference number. Save thirty days of rework.
- DISCOM-side dashboard for transformer loading (May 2026). DISCOM users now see live transformer-loading data when reviewing feasibility, reducing the time spent in “transformer queue” status. Consumers don’t interact with this directly, but feasibility approval times drop by 3 to 5 days.
- Auto-fill from previous applications (Jun 2026). If you’ve applied before for a different connection, the portal now auto-fills personal data, only address and bill-specific fields need fresh entry.
- API for empanelled vendors (Jun 2026). Empanelled vendors with high volume can now integrate via API for bulk application status checks and document uploads. Heaven Green Energy is integrated, which means we proactively monitor status across all our active customer applications.
The pace of portal improvement is the strongest signal that the scheme is being run actively, not just maintained. Compare this to legacy MNRE schemes which often went 18 to 24 months without a single feature ship.
Common 2026 Application Pitfalls
Most rejection patterns we tracked in 2024 to 25 have been engineered out of the system through portal improvements. But a new set of 2026-specific pitfalls has emerged, many of them caused by people applying with outdated information from 2024 or 2025 guides. Here’s what trips applicants today.
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1
Using outdated subsidy expectations. Some 2023 articles still circulate showing ₹94,822, the old MNRE Phase II figure for a 10 kW system. The current rate is ₹78,000. Verify against the official portal before signing any vendor quote.
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2
Ignoring state scheme status. State top-ups can end or change with a budget cycle, so any quote that includes a state amount should cite the current notification. Always verify state subsidy active status with your DISCOM or state nodal agency.
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3
Choosing a low-rated vendor. The new vendor rating module makes ratings publicly visible. A 2-star vendor exists for a reason; the price difference is rarely worth the rework risk. Filter to 4-star and above.
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4
Buying off-ALMM panels at a discount. Some vendors offer Chinese-origin panels at 20 to 25% lower prices, claiming the ALMM list will be relaxed. It has not been, installations with off-list panels fail inspection and forfeit subsidy.
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5
Not using the new auto-fill flow. Re-entering data manually when you've applied before increases the chance of typos and Aadhaar-mismatch rejection. Use auto-fill if the portal offers it.
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6
Missing the financial year reset window. Subsidy budgets are allocated annually. Applications submitted in February–March may face a queue that rolls over to April disbursement. Plan a Q1 or Q2 submission for fastest DBT.
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7
Failing to update bank details after a bank change. The subsidy goes to the bank account in the applicant's name submitted on the portal with a cancelled cheque or passbook. If you switched banks, update the account on the portal; Aadhaar seeding of the new account is a sensible precaution.
For the full rejection-cause taxonomy and the recovery steps for each, see our PM Suryaghar rejection reasons guide.
Early Adopter vs Wait-and-Watch, A 2026 Pros and Cons
The single question we field most often from prospective residential applicants in 2026 is whether to apply now or wait for “the next round.” There isn’t a next round, the scheme runs until March 2027 then closes for review. But the question is genuine, so here’s the honest pros-and-cons against acting in 2026 versus waiting.
- + Subsidy rates locked in, ₹78,000 max guaranteed
- + Portal is mature; vendor ratings visible
- + Save 30 to 40 months of bill payments before scheme target
- + DISCOM processing fastest in scheme history
- − Post-Mar 2027 scheme status unconfirmed
- − Q4 FY27 application volume will spike, slower DISCOM queues
- − Likely state stack reductions in FY28 budgets
- − Module prices stable; no large drop expected
- − Lost generation revenue, ₹3,000–₹4,000 / month deferred
The pros of applying in 2026 dominate clearly. The only situation where waiting makes sense is if you’re mid-construction and the roof isn’t ready, in which case wait until commissioning. For everyone else, the maths is simple, every month you defer is one month of electricity bill you pay at retail tariff instead of generation at ~₹3/kWh equivalent.
Verdict. Apply in 2026. The subsidy is at peak, the portal is at its best, and DISCOM throughput is the fastest it’s ever been. Waiting for “better” is waiting for nothing, there is no announced enhancement, and post-March-2027 scheme status is uncertain. A residential 3 kW applicant captures the full ₹78,000 central subsidy today; check separately with your DISCOM or state nodal agency (GEDA in Gujarat) whether any state top-up applies when you apply.
How Heaven Green Energy Helps
Heaven Green Energy is India’s #1 ranked PM Suryaghar installer on the national portal, and we maintain that position through monthly policy tracking, portal-feature monitoring, and direct DISCOM coordination in every circle we serve. When the policy machinery shifts, we move with it; our customers don’t have to.
Specifically, here’s how we plug into the 2026 PM Suryaghar workflow for residential applicants:
- Policy monitoring service. We track all five areas in the Suryaghar Policy Change Tracker monthly and publish quarterly state-by-state subsidy updates that all customers receive automatically.
- State stack capture. We file the state add-on subsidy application in parallel with the central PM Suryaghar, most vendors only file the central; we file both, and we deduct the state subsidy from your invoice if disbursement is via vendor channel.
- Portal API integration. We’re integrated with the empanelled-vendor API so we proactively monitor your application’s status across feasibility, inspection, and DBT, no need for you to log in repeatedly.
- Vendor rating maintenance. Our portal rating is built from consumer feedback and inspection results; new customers can check it directly on the portal vendor-selection screen.
- MNRE-ALMM panels only. As an authorised Channel Partner of Adani Green Energy, we use ALMM-listed Adani Solar panels, all current tier-1, never off-list imports.
- 25-year performance support. Our O&M (Operations and Maintenance) contracts include annual cleaning, electrical inspection, and inverter health checks.
Explore the services that match your project:
- Residential Solar: 1 to 10 kW rooftop systems with full PM Suryaghar handling for any DISCOM in India.
- Solar Calculator: see your subsidy capture (central + state) and payback in 60 seconds.
- Contact: get a free site survey and bespoke subsidy estimate for your bill.
For specific state guides covering DISCOM-level mechanics, see our state hubs for Gujarat, Maharashtra, Madhya Pradesh, and Rajasthan.
Frequently Asked Questions
Have PM Suryaghar subsidy rates changed in 2026?
No, the central subsidy rates of ₹30,000 for 1 kW, ₹60,000 for 2 kW, and ₹78,000 for 3 kW and above remain unchanged in 2026. These rates have been frozen since the scheme’s February 2024 launch and are confirmed retained in the FY27 Union Budget allocation through March 2027. The Resident Welfare Association (RWA) rate also remains at ₹18,000 per kW for common-area loads. Any quote suggesting different rates is using outdated information from the pre-PM-Suryaghar MNRE Phase II programme.
What new features has the PM Suryaghar portal added in 2026?
The major 2026 portal feature releases include the enhanced Aadhaar OTP flow, vendor ratings shown for registered vendors with at least 50 portal installations, application status SMS push notifications at each milestone, multilingual UI expanded to 11 Indian languages, document re-upload without application restart, and auto-fill from previous applications. The pace of feature ships has been roughly one major release every six to eight weeks through 2025 to 26.
Which states have changed their state-level subsidy stack in 2026?
We could not confirm any state-level top-up, or any 2026 change to one, from a primary source, so this tracker no longer lists state amounts. In Gujarat, MGVCL’s PM Surya Ghar subsidy sheet lists only the central amount. In every state, check with your DISCOM or state nodal agency (GEDA in Gujarat) whether any state top-up applies when you apply.
What is the current cumulative subsidy disbursement under PM Suryaghar?
As on 19 March 2026, ₹17,967.53 crore of central subsidy had been disbursed under PM Suryaghar and 26,19,879 rooftop systems installed, according to MNRE figures released by PIB. About 5.3 lakh of those systems were installed between 1 January and 19 March 2026. The target of 1 crore households by FY 2026-27 implies a sharp acceleration over the remaining window; Gujarat, Maharashtra, and Uttar Pradesh have led installations so far.
How fast are DISCOMs processing PM Suryaghar feasibility approvals in 2026?
Processing speeds vary by DISCOM. Gujarat’s four DISCOMs (MGVCL, UGVCL, DGVCL, PGVCL) lead with 7 to 14 day feasibility medians. Maharashtra’s MSEDCL has improved to 10 to 15 days. Rajasthan’s three DISCOMs (JVVNL, JdVVNL, AVVNL) hold at 10 to 20 days. Uttar Pradesh’s UPPCL runs 15 to 25 days. West Bengal’s WBSEDCL is the slowest at 18 to 25 days. Net-meter inspection adds another 5 to 20 days. End-to-end from application to subsidy DBT runs 35 to 90 days depending on DISCOM.
Is the ALMM panel list still mandatory in 2026?
Yes, ALMM (Approved List of Models and Manufacturers) compliance remains mandatory in 2026. Only solar PV modules on the current ALMM register qualify for subsidised installation under PM Suryaghar. The list is updated quarterly by MNRE; check the latest list on the mnre.gov.in ALMM page before signing any vendor quote. Off-list panels, usually Chinese-origin discount modules, cause inspection failure and subsidy forfeiture. There has been no relaxation of ALMM compliance through 2025 or 2026.
What is the MNRE helpline number for PM Suryaghar queries?
The PM Suryaghar call centre number is 15555, operational in 12 languages (PIB, December 2025). It can help with queries on application status, subsidy disbursement, document requirements, and DISCOM-level escalations; complaints can also be filed as grievances on the national portal. For installation and vendor-specific questions, contact your empanelled vendor directly. For state-stack subsidy queries, contact your state energy department helpline, these numbers are published on each state’s renewable energy portal.
Will PM Suryaghar continue after March 2027?
PM Suryaghar’s current notified term runs through March 2027 with the 1 crore installation target. The Government of India has not yet notified whether the scheme will be extended, replaced, or wound down post-target. Any decision will be announced via official MNRE notification, apply now to lock in current terms.
How does the new vendor rating module work?
Under MNRE’s Vendor Rating Programme framework (July 2024), registered vendors need at least 50 installations through the national portal to be rated; below that they are unrated. Vendors with 50 to 250 installations are rated on consumer feedback only. Vendors above 250 are also assessed on sample site quality inspections and a techno-financial assessment, and the overall rating is a simple average of those components. The rating, with its sub-component scores, is shown on the vendor’s portal profile and in the vendor list. New consumers should filter to 4-star and above for lowest rework risk.
Can I stack PM Suryaghar with a solar loan?
Yes, PM Suryaghar subsidy is fully compatible with solar loans from public sector banks (SBI, Canara Bank, PNB) and several NBFCs. When the system is financed, the subsidy (processed within 15 days of DISCOM approval) is credited to your loan account first, part-prepaying the loan and reducing tenure or EMI. MNRE guidelines envisage collateral-free loans at about the repo rate plus 0.5% for systems up to 3 kW. Compare loan terms across lenders before signing, and confirm the loan disburses against the post-subsidy net amount (₹87,000–₹1,07,000 for 3 kW) rather than gross system cost.