Is Solar Worth It? Calculating Your ROI in 2026
One of the most common questions homeowners ask is: "Is putting solar panels on my roof actually a good financial decision?" The short answer is YES, but let's look at the numbers.
The Financial Equation
The Return on Investment (ROI) for solar typically ranges between 25% to 30% annually, which is significantly higher than Fixed Deposits (7%) or Mutual Funds (12-15%).
Here is a simple example for a standard 3kW system in Maharashtra:
- Total System Cost: ₹1,50,000
- Subsidy (PM Surya Ghar): - ₹78,000
- Net Cost to You: ₹72,000
Savings Calculation
A 3kW system generates approx. 12 units per day, or 360 units per month.
- Monthly Units: 360 units
- Electricity Rate: ₹8 per unit (Average top tier)
- Monthly Savings: ₹2,880
- Annual Savings: ₹34,560
The ROI Payback Period
Net Investment (₹72,000) ÷ Annual Savings (₹34,560) = 2.08 Years
Yes, you read that right. With current subsidies, you can recover your entire investment in just over 2 years. Since solar panels last for 25 years, the remaining 23 years give you essentially free electricity.
Find Your Payback Period
Every home is different. Use our calculator to get your personalized ROI report.
Calculate My SavingsHidden Benefits
Beyond the direct savings, solar adds value to your property and insulates you from future electricity tariff hikes (which naturally rise by 5-8% every year).