Introducing
Solar for Homes
Starts at ₹2,44,499
5 kW grid-tied, after the subsidy · EMI from ₹2,807 a month
3.7 years
Pays for itself
25 years
Panel performance warranty
₹2.98 L
Government subsidy, up to
45–75 days
From survey to switch-on
Made for the Goan home, and everything it runs. Built for the coast, paid for by the sun.
Step 1 · Your system
Pick the sizethat fits your bill
Choose once. Every figure on this page is then worked out for your system.
No battery. The grid stores your surplus as a credit, and the payback is the shortest.
10 kW grid-tied
You pay, after the subsidy
₹3,61,999
₹6,59,999 before the subsidy, less ₹2,98,000 from two governments.
Or from ₹4,157 a month on the scheme loan.
- Bill cut, each month
- ₹7,709
- Pays for itself in
- 3.7 yrs
- Return a year
- 28.5%
- Output, each month
- 1,156 units
- Panels
- 18 × 585 Wp
- Shade-free roof
- 590 sq ft
| System | Bill it suits | Bill cut / month | Payback | Return | Roof | Price | Subsidy |
|---|---|---|---|---|---|---|---|
| 5 kW | ~₹3,000 | ₹3,160 | 5.8 yrs | 18.5% | 300 sq ft | ₹4.3 L | ₹1,85,500 |
| 10 kW | ~₹7,500 | ₹7,709 | 3.7 yrs | 28.5% | 590 sq ft | ₹6.6 L | ₹2,98,000 |
| 15 kW | ~₹12,500 | ₹12,257 | 3.4 yrs | 30.7% | 890 sq ft | ₹8.25 L | ₹2,98,000 |
| 20 kW | ~₹17,000 | ₹16,806 | 3.2 yrs | 33.2% | 1,180 sq ft | ₹9.6 L | ₹2,98,000 |
Prices are before the subsidy. Tap a row to select it.
These prices are approximate and exclude the subsidy. Generation assumes 3.8 peak sun hours a day, and savings are valued at the published Goa domestic tariff for the slab your consumption reaches — ₹6.67 a unit for the 10 kW. Your roof, its shadows and your tariff change these figures; Tersus Energy surveys the site and confirms them. The government pays the subsidy directly to you. Payback and return follow the tariff increases the commission has already approved, then 3.5% a year, and allow for the 0.5% of output a panel loses each year. They do not subtract a maintenance contract. The return is the internal rate of return over 25 years — the rate at which the savings repay the investment, which is the figure to set against a deposit.
Step 2 · The subsidy
Two governmentspay part of the price
On the 10 kW, the centre and Goa together pay ₹2,98,000 — straight into your bank account after commissioning.
Price before the subsidy
₹6,59,999
You pay
₹3,61,999
After both subsidies
Central · PM Surya Ghar
− ₹78,000
Capped at ₹78,000 above 3 kW
Goa state · GEDA
− ₹2,20,000
50% of the MNRE benchmark cost, up to 10 kWp
Central
PM Surya Ghar: Muft Bijli Yojana
The national rooftop scheme, built to give each home up to 300 free units a month. Applications close on 31 March 2027. More on PM Surya Ghar
Goa state
Grid-Connected Rooftop Solar Promotion Scheme
Run by the Goa Energy Development Agency (GEDA), and paid 5 working days after the payment of the central subsidy. Valid to 31 March 2028.
Central financial assistance
As published on pmsuryaghar.gov.in
- To 2 kW
- ₹30,000 for each kW₹60,000
- The third kW
- ₹18,000 for each kW₹78,000
- More than 3 kW
- Maximum₹78,000
Housing societies and resident welfare associations can also claim ₹18,000 for each kW for common facilities.
Goa state assistance
Official Gazette, Government of Goa, Series I No. 20, 13 August 2026
- 5 kW
- ₹1,07,500
- 10 kW
- ₹2,20,000
- 15 kW(paid to 10 kWp)
- ₹2,20,000
- 20 kW(paid to 10 kWp)
- ₹2,20,000
The maximum capacity for a home is 10 kWp. A larger system receives the same state subsidy as a 10 kW one.
Conditions both schemes attach
- The panels must use solar cells that are made in India, as the ALMM order specifies.
- A vendor that is empanelled under PM Surya Ghar and with GEDA must install the system.
- The system must be connected to the grid with net metering. The subsidy does not include batteries.
- The government pays the subsidy in the sequence of the applications, until the annual budget is fully used.
Step 3 · Paying for it
Pay it fromthe bill it replaces
A collateral-free loan turns ₹3,61,999 into ₹4,157 a month — ₹3,552 less than the bill it replaces.
Before solar
₹7,709 a month
The electricity bill, and it rises every year.
Years 1 to 10, on the loan
₹4,157 a month
The instalment replaces the bill, and it does not rise.
After year 10
Nothing
The loan is over. The system runs for 15 more years at least.
10 kW, ₹3,61,999 financed over 10 years at approximately 6.75% each year, on a reducing balance. Once the loan is complete you keep the whole ₹7,709 every month.
Loans arranged with
Route one · up to 10 kW
The collateral-free loan from the scheme
Public sector banks lend through the JanSamarth portal, with no security and no guarantor. The government pays the subsidy into the loan account, so you pay interest on the price after the subsidy, not before it. Each bank sets its own rate, and it moves with the repo rate; the figure above is the scheme's subsidised rate.
- Interest
- approximately 6.75% each year
- Tenure
- Up to 10 years
- Systems to 3 kW
- Maximum ₹2 L
- Systems of 3 to 10 kW
- Maximum ₹6 L
Route two · above 10 kW
Loans from our partner banks
A home system larger than 10 kW is outside the scheme loan. Tersus Energy arranges up to 80% of the price with its partner banks and prepares the application — the quotation, the technical annexure and the output estimate. The subsidy is the same on either route; a loan never reduces it.
| System | Loan amount | Instalment | Bill replaced | Difference |
|---|---|---|---|---|
| 5 kW | ₹2,44,499 | ₹2,807 | ₹3,160 | +₹353 |
| 10 kW | ₹3,61,999 | ₹4,157 | ₹7,709 | +₹3,552 |
| 15 kWpartner bank | ₹5,26,999 | ₹6,051 | ₹12,257 | +₹6,206 |
| 20 kWpartner bank | ₹6,61,999 | ₹7,601 | ₹16,806 | +₹9,205 |
Grid-tied systems, priced after the subsidy, at approximately 6.75% each year over 10 years on a reducing balance.
Step 4 · The return
What it earnsover 25 years
The 10 kW saves about ₹33.6 L of electricity over its life, on ₹3,61,999 invested.
Electricity you never buy
₹33.6 L
₹33,64,640 over 25 years
Pays for itself in
3.7 years
Then 21+ years of free electricity
Return a year, over 25 years
28.5%
Internal rate of return, untaxed
Year 25.0
Value of the electricity that you did not pay for: ₹33,64,640
Year 0 to year 3.7
The system recovers its cost
The decrease in your electricity bill recovers the investment.
Year 3.7 to year 25
₹30,06,629 for you
This allows for the 0.5% a year that a panel loses, and for the tariff increases the commission has already approved.
Against the alternatives, after tax
A solar saving is not income, so it is not taxed. Deposit interest is taxed at your slab.
Bank fixed deposit
4.9%
Public Provident Fund
7.1%
Equity mutual fund
10.5%
This rooftop system
28.5%
To keep 28.5% after tax at the highest slab, a deposit would have to pay 40.7% before it.
LTDS-II — energy charges
FY 2026-27
Domestic premises and government residential quarters. This is the category an ordinary home is billed under.
- 0-100 units
- ₹2.10 a unit
- 101-200 units
- ₹3.10 a unit
- 201-300 units
- ₹4.15 a unit
- 301-400 units
- ₹5.45 a unit
- > 400 units
- ₹6.60 a unit
A fixed charge of ₹25 applies as well, billed at Rs. / kW / month. Solar does not remove it, so this page does not count it as a saving.
The rate this system is valued at
₹6.67a unit
The blended rate across 1,156 units a month. Each size is valued at the blended rate for its own output, because a large bill reaches the higher slabs.
Fuel and power purchase cost adjustment
The department adds a monthly adjustment to both energy and fixed charges. It is 19.235% for July 2026, and the rate above includes it. See the adjustment
The calculation starts at ₹6.67 a unit and follows the increases the commission has already approved, to FY 2029-30, then 3.5% a year — below both Goa's approved trajectory and India's record of about 4.3% a year. It allows for the output a panel loses each year and does not subtract a maintenance contract. Held at today's tariff instead, the 10 kW grid-tied system would pay back in 3.9 years. Source: FY 2025-26 to FY 2029-30 w.e.f. 01/10/2025, published by the Joint Electricity Regulatory Commission for the Electricity Department, Government of Goa, effective 1 October 2025. These figures update automatically from the reading stored with this release on 26 August 2026.
The return above is higher than a deposit pays. It comes with conditions a deposit does not have.
You cannot take the money out
A deposit can be broken and a fund can be sold. A solar system cannot. The money is in the roof for as long as you own the house.
The return depends on your own use
The savings are the units you no longer buy. If the house empties for a year, or if consumption falls, the return falls with it.
The rules can change
Net metering, the subsidy, and the tariff are all set by the government. They have moved before and they can move again.
Equipment can fail
Panels, the inverter and the battery all carry warranties, and the 25-year figure assumes they are honoured. A warranty is only as good as the company behind it.
The output declines
A panel makes a little less every year. Every figure on this page already allows for that, but it is a real effect and it does not stop.
It moves with the house
If you sell, the system goes with the property. Whether the sale price reflects it is between you and the buyer.
| Where the money goes | Return | Guaranteed | Can you withdraw it | Usual horizon |
|---|---|---|---|---|
| Bank fixed deposit | 7% | Yes, and insured to ₹5 lakh | Withdraw at any time, with a penalty | 1 to 5 years |
| Public Provident Fund | 7.1% | Yes, set by the government | Locked for 15 years | 15 years |
| Equity mutual fund | 12% | No | Sell in two or three days | 5 years or more |
| This rooftop system | 28.5% | No, but it does not depend on a market | None. It is fixed to your roof. | 25 years |
Deposit and fund returns are indicative and change. Deposit interest is taxed at your slab rate, taken here as 30%. Equity gains above ₹1.25 lakh a year are taxed at 12.5%; the equity figure is a long-term average, not a forecast. The solar return follows the tariff increases the commission has already approved, then 3.5% a year. This is a comparison of how different returns behave, not investment advice, and Tersus Energy is not a financial adviser. If you are deciding between a solar system and a financial product, speak to someone qualified to advise on both.
Step 5 · The process
45 to 75 days,and we carry the paperwork
You do two things: approve the design, and give your bank details at the end. Tersus Energy files and follows everything else.
The DISCOM's steps vary with the queue at your utility, so the schedule is a range. GEDA pays the state subsidy 5 working days after the payment of the central subsidy, in the sequence of applications, until the annual budget is used. PM Surya Ghar applications close on 31 March 2027.
After the switch-on
Everything thatstays with you
The app, the care plan, the cover and the warranty — for the 25 years after we leave the roof.
If a fault occurs, the app and Tersus Energy tell you. You do not find it on the next bill.
Output now
0.0 kW
Today
46.2units
Last 7 days
An example day for a 10 kW system. The dip at about 15:00 is a cloud.
Live output
Right now, and by hour, day and month since commissioning.
Reduction in rupees
Every unit converted into the money you did not pay the DISCOM.
Fault alerts
A string stops, the inverter trips, or output falls short: the app alerts you and we telephone.
Monthly report
Output against the estimate in your proposal, every month.
Carbon offset
CO₂ avoided, and the trees it equals.
Shared access
Family on the same system; a read-only view for a society committee.
Essential
Cleaning and monitoring.
₹6,000a year
₹600 for each kW on the 10 kW — 6% of the bill reduction, protecting the other 94%.
- cleaning a year
- 2×
- maintenance a year
- 1×
- to a site visit
- 48 h
- 2 cleaning visits each year
- 1 preventive maintenance visit each year
- Remote monitoring and fault alerts
- Telephone and WhatsApp support
- A site visit in 48 hours
Advantage
The most usual selection.
₹11,000a year
₹1,100 for each kW on the 10 kW — 12% of the bill reduction, protecting the other 88%.
- cleaning a year
- 4×
- maintenance a year
- 2×
- to a site visit
- 24 h
- 4 cleaning visits each year
- 2 preventive maintenance visits each year
- An inverter check and a firmware update
- A thermal scan of each DC connection
- An earthing test and a lightning-arrestor test
- A site visit in 24 hours
- An annual report of the performance
Complete
All the services, and the spare parts.
₹17,000a year
₹1,700 for each kW on the 10 kW — 18% of the bill reduction, protecting the other 82%.
- cleaning a year
- 6×
- maintenance a year
- 4×
- to a site visit
- 12 h
- 6 cleaning visits each year
- 4 preventive maintenance visits each year
- An IV curve test for each string
- A battery condition report and a cell-balance report
- A torque check of the structure, and anti-corrosion paint
- A site visit in 12 hours
- Small spare parts and consumables
- Tersus Energy prepares your insurance claim
The first year of maintenance is included with every installation. The plans start in year two.
First year included
Renewable each year. The sum insured is the replacement value, not the depreciated value.
Fire and lightning
Damage from a fire, a lightning strike, or an electrical surge in the array.
Storm, cyclone and flood
Damage from a high wind, heavy rain, water ingress, or an impact.
Theft and burglary
The theft of modules, inverters, or cables, and damage from forced entry.
Accidental breakage
Broken glass and impact damage, for example from a branch that falls.
Transit and installation
Damage to the equipment during transport from the warehouse, and during the installation.
Third-party liability
Injury, or damage to property, that the system causes. The policy specifies the limit.
If you ever claim
1. Telephone Tersus Energy, not the insurer.
2. We examine the damage and record it with photographs.
3. We file the claim and follow it to settlement.
4. We repair or replace the equipment.
The policy specifies the cover, the limits and the exclusions. You receive it before you sign.
Years, to 25
Solar panel performance
25 years
Solar panel product
12 years→ 25 years
Inverter
10 years→ 25 years
Battery
10 years→ 15 years
Mounting structure
10 years→ 15 years
Workmanship
5 years→ 10 years
The manufacturer gives the panel performance warranty and Tersus Energy administers it. Tersus Energy gives the workmanship warranty, which includes the labour to correct a Tersus Energy error. The extension is bought once, at installation, at a minimum price.
Built for the coast
A-grade material,including the cables
The weakest part decides how long a system lasts, and it is rarely the panel. Every component we install, and what stands behind it:
Solar panels
Tier-1 N-type TOPCon, ALMM and BIS listed
The panels have a glass-on-glass construction and an anti-reflective coating. They have IEC certification for salt mist and ammonia. This is necessary on the coast.
Warranty25 years performance, 12 years product
Inverter
Grid-tied or hybrid string inverter, more than 97% efficiency
The inverter has an IP65 rating for outdoor installation. It has an MPPT for each string. Thus a shadow on one string does not decrease the output of the other strings.
Warranty10 years, extendable to 25 years
Battery
5 kWh Lithium iron phosphate (LiFePO₄) modules
The battery has a management system for each cell, a thermal cut-off, and a flat discharge curve. To increase the capacity, connect more modules in parallel. You do not change the inverter.
Warranty10 years, more than 6,000 cycles
Cables and protection
UV-stabilised, fire-retardant DC cable with MC4 connectors
The DC cables have double insulation and a UV-resistant conduit. The ACDB and the DCDB include surge protection. The system has its own earthing pits and a lightning arrestor.
Warranty5 years on the balance of system
Mounting structure
Hot-dip galvanised, cyclone-rated to 200 km/h
Tersus Energy prefabricates the structure to an accuracy of one millimetre. The structure is fully rust-proof. A ballast option is available that does not penetrate the waterproof layer.
Warranty10 years against corrosion
A-grade material, no exceptions
No B-stock modules, no unbranded cables, no substitution on site without your approval. Every component on the drawing goes in, and its serial number is recorded.
Our own technicians
Trained by Tersus Energy, working to our safety procedure for work at height. No subcontractors.
Design first
A shadow study and a structural check before the layout, then drawings you approve.
Empanelled for the subsidy
Under PM Surya Ghar and with GEDA — a condition of the subsidy that another vendor cannot meet.
Every system is signed off against a written list of 120 items before handover. You get the completed list in the handover file.
- Structure and mounting24
- DC side32
- AC side26
- Earthing and safety18
- Commissioning20
- Structure and mounting
- Torque values, alignment, tilt, clamp spacing, anti-corrosion coating and roof waterproofing.
- DC side
- String polarity and voltage, insulation resistance, connector crimps, cable routing and conduit sealing.
- AC side
- Breaker ratings, phase balance, cable sizing, terminations and inverter parameter settings.
- Earthing and safety
- Earth pit resistance, equipotential bonding, lightning arrestor continuity, and the label on each isolator.
- Commissioning
- Output against the design, the monitoring connection, the net meter reading, a thermal scan, and a demonstration to the customer.
Questions
Your questions,answered
Can't find what you're looking for? Visit the FAQ page
Build the systemyour roof deserves
Book online with a refundable ₹1,999, and a project manager telephones you within one working day.
PM Surya Ghar applications close on 31 March 2027. GEDA pays the Goa state subsidy in the sequence of the applications, until the annual budget is fully used.
