Solar ROI Estimator
Solar Payback, Subsidy & EMI Calculator for Tamil Nadu
Enter your current bi-monthly EB bill to instantly see the recommended system size, PM Surya Ghar subsidy, payback period, yearly savings, and monthly EMI options. Save up to 4 scenarios to compare residential and commercial setups side-by-side.
Estimate your solar savings
Range: ₹3,000 – ₹23,000. ≈ 719 units / 2 months (TN slab)
- Recommended Size
- 3 kW
- TNEB Units / 2 months
- 720
- Project Cost
- ₹1,95,000
- EB Bill After Solar
- ₹300
Your Solar Potential
Recommended System Size
3 kW
Total System Cost
₹1,95,000
PM Surya Ghar Subsidy
₹78,000
Cost After Subsidy
₹1,17,000
Monthly Savings
₹1,850
Annual Savings
₹22,200
Payback Period
5 yrs
25-Year Savings
₹5,55,000
Return on Investment
374%
Annual CO₂ Reduction
3.45 tonnes
Required Roof Area
300 sq. ft.
* Pricing based on SVN Safetech rate card for Trichy & nearby DISCOM zones. Residential figures include the PM Surya Ghar subsidy (₹78,000 cap). Commercial figures include 40% accelerated depreciation tax saving in Year 1. Final quote depends on site survey, roof type and brand mix.
Central Government Subsidy
PM Surya Ghar Muft Bijli Yojana
Direct bank transfer subsidy from MNRE for rooftop solar — credited to your account within ~30 days of installation.
Your subsidy (3 kW)
₹78,000
| System Size | Subsidy / kW | Total Subsidy |
|---|---|---|
| 1 kW | ₹30,000 | ₹30,000 |
| 2 kW | ₹30,000 | ₹60,000 |
| 3 kW & above | ₹18,000 (capped) | ₹78,000 |
How you get the subsidy
- 1
Apply
Register on PM Surya Ghar portal
- 2
Approval
DISCOM feasibility check (~7 days)
- 3
Install
We complete installation & inspection
- 4
Subsidy
Credited to bank in ~30 days
We handle the entire subsidy paperwork end-to-end — no portal hassles for you.
Solar Loan EMI Calculator
Pay monthly — let savings cover the EMI
Most PSU & private banks finance solar at 8.5–12% with 3–10 year tenures. Adjust the inputs to see your EMI vs your monthly EB savings.
Prefilled from your ROI estimate. Edit freely.
🇮🇳 PM Surya Ghar subsidised loan rates
- • Up to ₹2 Lakh: 5.75–6.00% (collateral-free)
- • Up to ₹6 Lakh: 7.00–9.15%
- • Above ₹6 Lakh: market rate (~10–12%)
- Total interest
- ₹18,716
- Total payable
- ₹1,35,716
Monthly EMI
₹2,262/mo
Top up just ₹412/month on top of your savings. After 5 years, system is fully paid and savings are 100% profit.
* Indicative EMI only. Actual rate, processing fee and tenure depend on the lender, credit score and project size. We help you compare offers from SBI, Canara Bank, HDFC, Tata Capital and other solar loan partners.