PM Surya Ghar subsidy in Punjab: how to apply, step by step

The PM Surya Ghar Muft Bijli Yojana pays a one-time central subsidy of up to ₹78,000 towards a rooftop solar system on your home. In Punjab the application runs through the national portal and PSPCL, in a fixed order. Most delays we see come from doing a step too early or from a name that does not match across documents, so this guide sets out the order and the checks that matter.

How much you get

The subsidy depends only on the size of the system, and it stops rising at 3 kW.

System size	Central subsidy
1 kW	₹30,000
2 kW	₹60,000
3 kW or more	₹78,000

A 5 kW system receives the same ₹78,000 as a 3 kW one, so plan on this central amount. Check the current figures on the official portal, pmsuryaghar.gov.in, before you commit.

Who can apply

You can apply if all of these are true:

The house is yours, and you have a roof you can use.
The domestic PSPCL connection is in your name. If it is still in a parent’s or previous owner’s name, transfer it first.
You have not received a solar subsidy for this connection before.
The system is installed by a vendor registered on the national portal, with Indian-made (DCR) panels.

Shops, offices and other commercial connections are not covered. If you live in a flat, the roof belongs to the society, so you will need the society’s no-objection certificate.

The steps, in order

1. Register on the national portal

Go to pmsuryaghar.gov.in and register with your state (Punjab), your electricity company (PSPCL), your PSPCL account number from the bill and the mobile number linked to your Aadhaar. You verify the mobile number with a one-time password.

2. Submit the rooftop solar application

Log in, complete your profile and apply for rooftop solar. The portal fetches your connection details from PSPCL. You add the roof details and the system size you want. Leave the subsidy option selected; there is a box to give up the subsidy, and it is easy to tick by mistake.

3. Wait for PSPCL’s feasibility approval

PSPCL checks that your connection can take the system. The main limit is your sanctioned load, which is printed on your bill: a home system cannot be larger than it. For systems of up to 10 kW, PSERC’s regulations, amended in February 2025, say a complete application is treated as accepted, and PSPCL carries out any load increase it needs, with you paying the load-extension charges. For a bigger system, the load increase comes first.

Do not install anything before this approval. A system fitted before feasibility is approved can lose its subsidy.

4. Choose a registered vendor and install

Once approval comes through, the system is installed by a vendor registered on the portal, using approved DCR panels. The vendor generates a DCR certificate for your panels on the government’s DCR portal, and the panel serial numbers are checked against it automatically. This is why the vendor named on your application must be the one actually responsible for your installation.

5. Upload the installation details

After installation, the system details and geo-tagged photographs go up on the portal, along with the inverter and panel serial numbers.

6. PSPCL inspection and the net meter

PSPCL inspects the installation and replaces your meter with a bi-directional net meter. You sign the net-metering agreement. This step usually takes the longest, because it depends on PSPCL’s inspection schedule.

7. Bank details and payment

Once the system is commissioned on the portal, you submit your bank details with a cancelled cheque or a copy of the passbook. The subsidy is then paid directly into your account, usually within a few weeks.

Documents to keep ready

A recent electricity bill showing your PSPCL account number
Your Aadhaar number, and the mobile number linked to it
Proof that you own the property, such as the sale deed or property tax receipt
Two or more clear photographs of the roof
A cancelled cheque or bank passbook in the applicant’s name
For flats: the society’s or RWA’s no-objection certificate

Mistakes that delay the subsidy

Names that do not match. The name on the electricity bill, Aadhaar and bank account should be the same. Fix any mismatch before you apply.
Installing before approval. Wait for PSPCL’s feasibility approval.
Non-DCR panels. Imported or non-DCR panels do not qualify, however good they are.
An unregistered installer. Ask for the registered vendor’s name in writing, as it will appear on your application.
A system larger than your sanctioned load. Check the load on your bill before choosing the size.

Paying for the rest

Under the scheme, public sector banks lend for home rooftop solar, secured on the system itself with no other collateral. For systems up to 3 kW, the loan is up to ₹2 lakh at the repo rate plus 0.5%, which is 6.00% a year at SBI from 15 October 2026. Each bank sets its own terms, so get the rate in writing from your bank. At SBI the subsidy is credited to the loan account, which cuts the balance straight away.

Is the subsidy worth the paperwork?

For most homes in Punjab, yes. ₹78,000 is a large share of the cost of a home system, and it shortens the payback period by roughly two years. Some homeowners choose to skip it, for example to use non-DCR panels or to avoid the wait. We set out both options with their prices in your proposal.

Punjab homes also get 300 free units a month, which changes how a system should be sized. Our savings calculator works this out from your bill, and the subsidy page covers the scheme in more detail.

When the subsidy is worth taking

The subsidy is paid only on systems built with DCR panels, made with Indian solar cells, which cost about ₹9,000 more for every kW installed. The subsidy stops at ₹78,000 on 3 kW, but the extra panel cost keeps growing with size.

System size	Extra cost of DCR panels	Subsidy	Cheaper route
3 kW	₹27,000	₹78,000	DCR with the subsidy, about ₹51,000 better
5 kW	₹45,000	₹78,000	DCR with the subsidy, about ₹33,000 better
8 kW	₹72,000	₹78,000	About the same (DCR ₹6,000 better)
10 kW	₹90,000	₹78,000	Non-DCR without the subsidy, about ₹12,000 better

Up to about 8 kW, take the subsidy. From about 9 kW, non-DCR panels without it cost less, an option homes have until 31 March 2027. More on the subsidy page.

How Maya Green Power helps

For homes in Mohali, Zirakpur, Kharar and New Chandigarh, we prepare the application, check your documents and sanctioned load before anything is filed, and follow up with PSPCL through the inspection and net meter. Subsidy systems are installed through a registered vendor, named in your proposal and on your application, and we stay your point of contact throughout.

Common questions

How long does the PM Surya Ghar subsidy take in Punjab?

The roof work itself usually takes a few days. The longest part is PSPCL's inspection and the net meter, which run on PSPCL's schedule. Once the system is commissioned on the portal and your bank details are verified, payment usually follows within a few weeks.

Can I get the subsidy on a 5 kW or 10 kW system?

Yes, but the subsidy stays at ₹78,000. It is calculated on the first 3 kW only, so a larger system receives the same amount as a 3 kW one.

Can I apply if the electricity connection is in my father's name?

Not as it stands. The connection must be in the applicant's name, so the usual route is to transfer the connection first, then apply.

Is there an extra Punjab state subsidy?

Plan on the central subsidy of up to ₹78,000. Some states add their own help on top, as Haryana does through its Saur Urja Protsahan Yojana. PEDA, the Punjab Energy Development Agency, can tell you whether any Punjab scheme applies to your home.