Solar forHomes

Select your system

Two types ofsolar system

Select the function that you need. The material, the installation, and the warranties are the same for both types. The difference is the storage of the energy. In the first type, the grid stores your energy as a credit. In the second type, a battery stores your energy.

Grid-tied systems that reduce the bill

The solar panels make electricity during the day. Your home uses the electricity that it needs. The system sends the remainder to the grid, and you receive a credit. The credit decreases the units that you pay for at night. This type has no battery, and it has the shortest payback time.

5 kW

For a bill of approximately ₹3,000 each month

Output: 578 units each month
Bill reduction: ₹3,160 each month
Panels: 9 × 585 Wp
Roof area: 300 sq ft
Payback time: 5.8 years
Return (IRR): 18.5% a year

Price before the subsidy

₹4.3 L

Subsidy: ₹1,85,500

Buy

Most selected

10 kW

For a bill of approximately ₹7,500 each month

Output: 1,156 units each month
Bill reduction: ₹7,709 each month
Panels: 18 × 585 Wp
Roof area: 590 sq ft
Payback time: 3.7 years
Return (IRR): 28.5% a year

Price before the subsidy

₹6.6 L

Subsidy: ₹2,98,000

Buy

15 kW

For a bill of approximately ₹12,500 each month

Output: 1,734 units each month
Bill reduction: ₹12,257 each month
Panels: 26 × 585 Wp
Roof area: 890 sq ft
Payback time: 3.4 years
Return (IRR): 30.7% a year

Price before the subsidy

₹8.25 L

Subsidy: ₹2,98,000

Buy

20 kW

For a bill of approximately ₹17,000 each month

Output: 2,312 units each month
Bill reduction: ₹16,806 each month
Panels: 35 × 585 Wp
Roof area: 1,180 sq ft
Payback time: 3.2 years
Return (IRR): 33.2% a year

Price before the subsidy

₹9.6 L

Subsidy: ₹2,98,000

Buy

These prices are approximate, and they do not include the subsidy. The calculation uses 3.8 peak sun hours each day and a tariff of ₹5.20 for each unit. Your roof, the shadows on it, and your tariff change these figures. Tersus Energy does a site survey and then gives you the correct figures. The government pays the subsidy directly to you. The payback and the return follow the tariff increases the commission has already approved, then 3.5% a year, and they allow for the 0.5% a year that a panel loses. 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 compare against a deposit.

Subsidy

Two governments paypart of the price

A home solar system in Goa is eligible for two subsidies. The central government pays one subsidy, and the Goa government pays the other subsidy. You receive both. Together they decrease the price of a 10 kW system by approximately ₹3 lakh.

Central

PM Surya Ghar: Muft Bijli Yojana

This is the national scheme for rooftop solar systems. The government pays the subsidy directly into your bank account after commissioning. The aim of the scheme is to give each home up to 300 free units of electricity each month.

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. Applications close on 31 March 2027. More on PM Surya Ghar

Goa state

Grid-Connected Rooftop Solar Promotion Scheme

The Goa Energy Development Agency (GEDA) operates this scheme. It pays 50% of the MNRE benchmark cost for a home rooftop system, to a maximum of 10 kWp. GEDA pays the subsidy 5 working days after the payment of the central subsidy.

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 Official Gazette, Government of Goa, Series I No. 20, 13 August 2026 contains this scheme. The scheme is valid to 31 March 2028. The maximum capacity for a home is 10 kWp. A larger system receives the same subsidy as a 10 kW system.

5 kW system

₹1,85,500

₹78,000 central and ₹1,07,500 state

10 kW system

₹2,98,000

₹78,000 central and ₹2,20,000 state

15 kW system

₹2,98,000

₹78,000 central and ₹2,20,000 state

20 kW system

₹2,98,000

₹78,000 central and ₹2,20,000 state

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.

How you recover the cost

This example uses a 10 kW system. This is the most usual size for a home. First, subtract the subsidy from the price. The electricity that you do not pay for then recovers the remainder.

₹6,59,999

Price before the subsidy

− ₹2,98,000

Central and state subsidy

₹3,61,999

Your investment

₹92,508

Bill reduction each year

28.5%

Return each year, over 25 years (IRR)

Year 25.0

Value of the electricity that you did not pay for: ₹33,64,640

Year 0510152025

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.

The calculation starts at ₹6.67 for each unit, the published Goa domestic tariff at this level of consumption. It then follows the increases the commission has already approved, to FY 2029-30, and 3.5% a year after that — 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 it does not subtract an annual maintenance contract. Held at today's tariff instead, the payback would be 3.9 years.

Electricity tariff

The rate behindevery figure here

Savings depend on what a unit of electricity costs. This page does not assume a rate. It uses the domestic tariff that the Goa Electricity Department publishes, at the slab your consumption reaches.

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 the fixed charge, so this page does not count it as a saving.

The rate this page uses

₹6.67a unit

This is the blended rate across 1,156 units a month. Each system on this page is priced 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 for July 2026

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.

Lifetime savings

What the system savesover 25 years

A solar system is bought once and pays back for a quarter of a century. These are the totals, and then the same money set against the other places a household usually puts it.

5 kW system

₹14.3 L

₹14,33,169 of electricity you do not buy

On an investment of ₹2.44 L after subsidy

10 kW system

₹33.6 L

₹33,64,640 of electricity you do not buy

On an investment of ₹3.62 L after subsidy

15 kW system

₹53 L

₹52,96,110 of electricity you do not buy

On an investment of ₹5.27 L after subsidy

20 kW system

₹72.3 L

₹72,27,580 of electricity you do not buy

On an investment of ₹6.62 L after subsidy

Against the alternatives, rate for rate

The fair comparison is the rate of return, not the final balance. A final balance depends on the period you pick. Worked out on the 10 kW system.

Where the money goes	Return	After tax	Guaranteed	Can you withdraw it	Usual horizon
Bank fixed deposit	7%	4.9%	Yes, and insured to ₹5 lakh	Withdraw at any time, with a penalty	1 to 5 years
Public Provident Fund	7.1%	7.1%	Yes, set by the government	Locked for 15 years	15 years
Equity mutual fund	12%	10.5%	No	Sell in two or three days	5 years or more
This rooftop system	28.5%	28.5%	No, but it does not depend on a market	None. It is fixed to your roof.	25 years

A solar saving is not income. You are not earning money, you are not spending it, so there is no tax on it. To keep 28.5% after tax at the highest slab, a deposit would have to pay 40.7% before it.

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 and is not a forecast. The solar return follows the tariff increases the commission has already approved, then 3.5% a year.

What a solar system is not

The return above is higher than a deposit pays. It comes with conditions a deposit does not have, and you should read these before you compare the two.

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.

This is a comparison of how different returns behave. It is 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.

Financing

You can paywith a loan

A bank can give you a loan for a rooftop solar system without collateral. The decrease in your electricity bill pays the instalment. The PM Surya Ghar scheme has its own loan facility. Tersus Energy also arranges loans with its partner banks.

Route one

The collateral-free loan from the scheme

Public sector banks give these loans through the JanSamarth portal. You supply no security and no guarantor. The government pays the subsidy directly into the loan account. Thus you pay interest on the price after the subsidy, not before it.

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

Each bank sets its own rate, and the rate changes with the repo rate. The figure above is the subsidised rate of the scheme.

Route two

Loans from our partner banks

A home system of more than 10 kW is not eligible for the scheme loan. Tersus Energy arranges a loan for a maximum of 80% of the price with its partner banks. Tersus Energy also prepares the application. The application includes the quotation, the technical annexure, and the output estimate.

Our financial partners

The subsidy is the same for both types of loan. A loan does not decrease the subsidy.

How the reduction works

You already pay for electricity each month. A loan does not add a new payment. The instalment replaces the electricity bill, and the instalment is smaller. After 10 years, the instalment stops. This example uses the 10 kW system, a term of 10 years, and a rate of approximately 6.75% each year.

Before solar

₹7,709 a month

You pay this bill each month. The bill increases each year.

During the loan: year 1 to year 10

₹4,157 a month

The instalment replaces the bill. The instalment is smaller than the bill, and it does not increase.

After year 10

Nothing

The loan is complete. The system continues to operate for a minimum of 15 more years. You pay nothing.

For this system, the bill is ₹7,709 each month and the instalment is ₹4,157. From the first instalment, you pay ₹3,552 less each month. After the loan is complete, you pay ₹7,709 less each month.

SystemLoan amountInstalmentBill replacedDifference

5 kWLoan amount₹2,44,499Instalment₹2,807Bill replaced₹3,160Difference+₹353

10 kWLoan amount₹3,61,999Instalment₹4,157Bill replaced₹7,709Difference+₹3,552

15 kWpartner bankLoan amount₹5,26,999Instalment₹6,051Bill replaced₹12,257Difference+₹6,206

20 kWpartner bankLoan amount₹6,61,999Instalment₹7,601Bill replaced₹16,806Difference+₹9,205

The calculation uses the price after the subsidy, a rate of approximately 6.75% each year, a term of 10 years, and a reducing balance. For the 5 kW system, the instalment is approximately equal to the bill. For the larger systems, the instalment is less than the bill.

Energy monitoring

You can seethe system output

You must monitor a solar system to know that it operates correctly. Each Tersus Energy system sends its data to the app and to Tersus Energy. If a fault occurs, Tersus Energy tells you. You do not find the fault on the next electricity bill.

Output now

0.0 kW

Today

46.2units

Last 7 days

This is an example day for a 10 kW system. The decrease at approximately 15:00 shows the effect of a cloud.

Download on theApp Store Get it onGoogle Play

Live output

The app shows the output at this moment. It also shows the output for each hour, each day, and each month since commissioning.

Reduction in rupees

The app converts each unit of output into rupees. This is the money that you did not pay to the DISCOM.

Fault alerts

The app sends an alert if a string stops, if the inverter trips, or if the output is less than the forecast. Tersus Energy then telephones you.

Monthly report

You receive a report each month. The report compares the output of the system with the estimate in your proposal.

Carbon offset

The app shows the quantity of CO₂ that the system prevents. It also shows the equivalent number of trees.

Shared access

You can add other members of your family to the same system. You can also give a housing society committee a read-only view.

Annual maintenance

Maintenance forthe full 25 years

A solar system has no moving parts, thus a fault is not easy to see. Dust and salt on the panels can decrease the output by 20%. A string can stop in March, and you find this only when the bill increases in July. An annual maintenance contract prevents these losses.

Essential

Cleaning and monitoring.

₹600for each kW, each year

₹6,000 each year for a 10 kW system. This is 6% of the bill reduction, and it protects the other 94%.

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

Most chosen

Advantage

The most usual selection.

₹1,100for each kW, each year

₹11,000 each year for a 10 kW system. This is 12% of the bill reduction, and it protects the other 88%.

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.

₹1,700for each kW, each year

₹17,000 each year for a 10 kW system. This is 18% of the bill reduction, and it protects the other 82%.

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 each installation. The packages start in year two. The price above is the rate for each kW, not the total.

Insurance

Insurance againstdamage and theft

A rooftop system stays outdoors on the coast for 25 years. It must resist the monsoon and cyclones. Tersus Energy insures each system from the day of commissioning. If you must make a claim, Tersus Energy prepares it for you.

First year included

The cover starts at commissioning. You can renew it each year. The sum insured is the replacement value of the system, 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.

The claim procedure

1Telephone Tersus Energy. Do not telephone the insurer.
2Tersus Energy examines the damage and makes a record with photographs.
3Tersus Energy sends the claim to the insurer, and monitors it to the settlement.
4Tersus Energy repairs or replaces the equipment.

The policy specifies the cover, the limits, and the exclusions. Tersus Energy gives you the policy before you sign it.

The procedure

From the first call tothe subsidy payment

The portal, the DISCOM, and the meter control most of this schedule. Tersus Energy sends all of the applications for you, and monitors them. You do only two steps. You approve the design, and you supply your bank details at the end.

Usual time from the order to the subsidy45 to 75 days

Site survey and proposal

Tersus

Day 1 to 3

Tersus Energy measures your roof and reads your last electricity bill. Tersus Energy also examines the shadows on the roof. You then receive a system size, an output estimate, and a price.

Registration on the national portal

Tersus

Day 3 to 5

Tersus Energy makes your application on pmsuryaghar.gov.in with your consumer number and your DISCOM. You then approve the application.

DISCOM feasibility approval

DISCOM

7 to 15 days

Your distribution company checks the sanctioned load and the transformer capacity. It then approves the application.

Order for your system

You

Day 1 after the approval

Approve the design and the drawings. Pay the booking amount. Tersus Energy starts the procurement on the same day.

Installation

Tersus

3 to 5 days on site

Tersus Energy technicians install the structure, the modules, the inverter, the cables, the earthing, and the lightning protection.

Net meter application and installation

DISCOM

15 to 30 days

Tersus Energy applies for net metering. Tersus Energy then monitors the application until the DISCOM installs the bidirectional meter.

Inspection and commissioning

DISCOM

7 to 10 days

The DISCOM inspects the system. The portal then issues the commissioning certificate. The system starts to send electricity to the grid.

Payment of the subsidy

You

Approximately 30 days

Supply your bank details on the portal after commissioning. The government pays the subsidy directly to you. The money does not go to Tersus Energy.

GEDA pays the state subsidy 5 working days after the payment of the central subsidy. The times for the DISCOM steps change with the quantity of applications at your utility. Thus the schedule above is a range. Applications under PM Surya Ghar close on 31 March 2027. GEDA pays the state subsidy in the sequence of the applications, until the annual budget is fully used.

Material and workmanship

A-grade material,including the cables

The weakest component controls the reliability of a solar system. Usually the weakest component is not the panel. It is a connector with an incorrect crimp, or a structure with a thin galvanised coating. This section lists each component that Tersus Energy installs.

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

Tersus Energy uses no B-stock modules and no unbranded cables. Tersus Energy makes no substitution on site without your approval. Tersus Energy installs the components on the drawing, and records their serial numbers.

Our own technicians

Tersus Energy technicians do the installation. Tersus Energy trains them, and controls their safety procedure for work at height. A subcontractor does not do the installation.

The design is first

Tersus Energy does a shadow study and a structural check before the layout of the array. Tersus Energy then builds the drawings that you approve.

Empanelled for the subsidy

Tersus Energy is empanelled under PM Surya Ghar and with GEDA. This is a condition of the subsidy. An installation by a different vendor is not eligible.

120point check

Tersus Energy checks each system against a written list of 120 items before the handover. A technician signs each item. You receive the completed list in the handover file.

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.

The standard warranty and the extension

Each system includes the standard warranty. The extended warranty is an option. You buy it once, at the time of the installation, and this is the minimum price.

ComponentStandardExtended

Solar panel performance25 yearsNot applicable

Solar panel product12 years25 years

Inverter10 years25 years

Battery10 years15 years

Mounting structure10 years15 years

Workmanship5 years10 years

The manufacturer gives the warranty for the panel performance, and Tersus Energy administers it. Tersus Energy gives the workmanship warranty. It includes the labour to correct a Tersus Energy error.

Build the systemyour roof deserves

Choose the size, the backup, the maintenance and the cover, and watch the payback and the return move as you do. Book online with a refundable booking amount, and a project manager telephones you within one working day. If you would rather start from your last bill, the calculator sizes it for you first.

Buy

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.