Solar Energy in Mumbai: Complete 2026 Guide
Mumbai has India's highest domestic electricity tariff (₹10.50+/unit in upper slabs), making solar ROI among the fastest in the country — payback under 4 years for most households. With electricity tariffs charged by Adani Electricity at ₹10.50/unit and rising every year, switching to rooftop solar is now the single best financial decision a Mumbai household can make in 2026.
Solar Potential: How Much Can You Generate in Mumbai?
Mumbai receives approximately 5.1 peak sun hours per day (based on MNRE solar radiation data for this region). This means every 1 kW of rooftop solar installed here generates about 1,533 units of electricity per year.
For a typical 3 kW system — the most popular size for a 2–3 BHK home — you can expect:
- ~12.6 units per day on average (higher in summer, lower in monsoon)
- 4,599 units per year
- ₹3,969/month savings on your Adani Electricity electricity bill
- Payback period: ~2.1 years after PM Surya Ghar subsidy
PM Surya Ghar Subsidy for Mumbai Residents
Residents of Mumbai in Maharashtra are fully eligible for the PM Surya Ghar Muft Bijli Yojana. The central government provides a Direct Benefit Transfer (DBT) subsidy directly to your bank account:
- Up to 2 kW system: ₹30,000/kW (total ₹60,000 for 2 kW)
- 2 kW to 3 kW: ₹18,000/kW for the additional capacity
- Above 3 kW: No additional central subsidy — but net metering earnings continue
- Maximum central subsidy: ₹78,000 for a 3 kW system
State subsidy note: No Maharashtra state top-up. Central PM Surya Ghar subsidy applies. Adani Electricity and BEST both offer net metering connections.
Cost & Savings Table — Mumbai (2026)
| System Size | Gross Cost | Subsidy | Net Cost | Annual Generation | Monthly Savings | Payback |
|---|---|---|---|---|---|---|
| 1 kW | ₹60,000 | ₹30,000 | ₹30,000 | ~1,533 units | ₹1,323/month | 1.9 yrs |
| 2 kW | ₹120,000 | ₹60,000 | ₹60,000 | ~3,066 units | ₹2,646/month | 1.9 yrs |
| 3 kW | ₹180,000 | ₹78,000 | ₹102,000 | ~4,599 units | ₹3,969/month | 2.1 yrs |
| 5 kW | ₹300,000 | ₹78,000 | ₹222,000 | ~7,665 units | ₹6,615/month | 2.8 yrs |
| 10 kW | ₹600,000 | ₹78,000 | ₹522,000 | ~15,330 units | ₹13,230/month | 3.3 yrs |
* Costs are indicative estimates for Mumbai as of 2026. Actual prices vary by brand (Waaree, Adani, Tata, Vikram). Savings calculated at ₹10.50/unit tariff. Use our cost calculator for personalised estimates.
Your DISCOM: Adani Electricity
In Mumbai, electricity distribution and net metering for rooftop solar is managed by Adani Electricity (island city & western suburbs) / BEST (MCGM area) / MSEDCL (eastern suburbs). Here's what you need to know about solar net metering under Adani Electricity:
- Net metering limit: up to 1 MW per consumer connection
- Meter type: Bi-directional smart meter (provided and installed by Adani Electricity)
- Billing cycle: Monthly — excess units exported to grid are credited against your consumption
- Annual settlement: Any remaining credit units are carried forward; some DISCOMs pay a feed-in tariff for net annual export
- Application portal: adanielectricity.com
Step-by-Step: How to Get Solar in Mumbai
- Check your eligibility: Use our Subsidy Calculator to see the exact PM Surya Ghar amount for your home's load and Maharashtra location.
- Size your system: Use the Panel Requirement Calculator — enter your monthly bill in units. Most Mumbai households need a 2–4 kW system.
- Register on the National Portal: Go to pmsuryaghar.gov.in, register with your Aadhaar and Adani Electricity consumer number.
- Choose an MNRE-empanelled installer from the portal's vendor list — do not use non-empanelled vendors as your subsidy will be blocked.
- Get installation done: Typical completion time in Mumbai: 2–4 days for a residential system.
- Submit inspection documents to Adani Electricity for net meter installation (usually within 15–30 days).
- Receive subsidy: DBT credit directly to your bank account within 30 days of net meter commissioning.
Solar ROI Analysis for Mumbai
Here's a quick back-of-envelope calculation for a typical Mumbai household:
- Monthly electricity bill before solar: ~₹2,625 (250 units/month)
- 3 kW solar system generates ~378 units/month
- Monthly bill after solar: near ₹0 (net metering covers remaining consumption)
- Monthly savings: ₹3,969
- Annual savings: ₹47,628
- 25-year savings (at 5% tariff escalation): ₹1,250,000+
Want the exact numbers for your home? Use our Solar ROI Calculator and Solar Loan EMI Calculator if you're considering financing.
Nearby Cities Also Exploring Solar
If you found this guide useful, also check our guides for nearby cities: Pune, Thane, Navi Mumbai — each with city-specific DISCOM, tariff, and cost data.
For state-level subsidy policy in Maharashtra, see our Maharashtra Solar Calculator.