PM Surya Ghar Solar Simulator
Discover your exact rooftop system size, active government subsidy, and true 25-year actuarial payback period.
The "Zero Bill" Myth Exposed
Most vendor calculators assume your bill will drop to exactly ₹0. They are lying to you. Our actuarial engine maps the hidden realities of Indian grid policy.
Solar ROI vs Fixed Deposit vs Mutual Funds
Many homeowners assume rooftop solar is purely an environmental decision. In reality, installing solar panels is also a long-term capital allocation decision — similar to investing in a Fixed Deposit, real estate improvement, or mutual funds.
Offer predictable 6-7% returns but are vulnerable to inflation erosion and taxation drag.
Potentially generate higher long-term returns but involve market volatility and sequence-of-returns risk.
Generates “inflation-protected savings yield” because electricity tariffs historically rise faster than bank interest rates.
This simulator models solar as a utility inflation hedge asset rather than a speculative investment. The breakeven timeline you see above represents the exact period required for cumulative tariff savings to recover installation and lifecycle maintenance costs.
PM Surya Ghar Subsidy Eligibility – Practical Approval Reality
Government subsidy approval is not automatic. Many households assume that installing solar guarantees instant subsidy credit. In reality, subsidy disbursal depends on strict compliance with technical and administrative requirements.
- System must be installed through an empanelled vendor approved by DISCOM.
- Net-metering inspection and commissioning approval is mandatory before subsidy release.
- Subsidy is credited only after successful grid synchronisation and portal verification.
- Structural roof approval may be required in apartments or older buildings.
Because approval delays are common in urban regions, the real payback period can extend by several months. This simulator assumes subsidy credit within a standard operational timeframe, but real-world timelines may vary.
Long-Term Risks Every Solar Buyer Must Understand
Rooftop solar is a 25-year infrastructure decision. While it reduces electricity expenses, it also introduces new lifecycle responsibilities that homeowners must realistically factor into financial planning.
A financially disciplined solar decision therefore requires evaluating both engineering performance and behavioural energy consumption trends.
Actuarial & System Assumptions
This simulation engine is provided for illustrative, educational, and strategic planning purposes only. It does not constitute a financial contract, legal guarantee, or fiduciary advice.
Calculations rely on deterministic inputs and compounded mathematical growth models. Real-world inflation, sequence of returns, market volatility, and asset degradation will cause actual results to deviate.
Tax brackets, government subsidies (e.g., PM Surya Ghar), and statutory interest rates are subject to continuous legislative amendments. This engine does not guarantee real-time legal compliance.
Rupee Logics is a mathematical simulator, not a SEBI-registered entity. Users are strictly advised to verify all capital allocations and liability assumptions with certified financial professionals.