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Buying Guide

Best Solar System Under ₹1 Lakh in India 2026

What ₹1 lakh buys in solar after the PM Surya Ghar subsidy, using the MNRE benchmark: 1, 2 and 3 kW net costs, payback arithmetic and the ₹1 Lakh Solar Budget Checklist.

Akash Hirapara
Akash Hirapara CFO
June 5, 2026 Updated October 15, 2026 16 min read

Qbits warranty and service terms: Qbits public datasheets describe an expandable warranty but do not define a universal duration, remedy, registration deadline, service SLA, or exclusions. Obtain the current written terms for the exact model and sale before relying on a headline claim. ALMM and inverter compliance: MNRE’s current ALMM page publishes solar PV module and cell lists, not an inverter list. Verify the inverter’s exact model documents and applicable scheme or DISCOM requirements separately.

A solar system for under ₹1 lakh, is it real? The answer depends on whether you are counting the gross price or the net price after the PM Surya Ghar subsidy, and on the quote you actually receive. This guide uses the MNRE benchmark as a reference (₹50,000 per kW for the first 2 kW and ₹45,000 for each additional kW, from the scheme’s residential guidelines), because we found no dated, sourced national price range for small systems.

Direct answer. At the MNRE benchmark, a net budget of ₹1 lakh covers up to about 3 kW: 1 kW is ₹20,000 net, 2 kW is ₹40,000 net and 3 kW is ₹67,000 net after the PM Surya Ghar subsidy. Real quotes differ from the benchmark, so apply the ₹1 Lakh Solar Budget Checklist to every quote: ALMM compliance, certified panels, full BOS scope, GST invoice, and empanelled installer.

What ₹1 Lakh Actually Buys in Indian Solar in 2026

The ₹1 lakh budget means different things depending on whether you apply it before or after subsidy:

What a ₹1 lakh budget buys at the MNRE benchmark, gross or net of subsidy (scheme reference, not a quote)
Budget interpretationWhat you get at the benchmark
₹1 lakh gross (before subsidy)About 2 kW (benchmark ₹1,00,000)
₹1 lakh net, 1 kW₹50,000 benchmark − ₹30,000 subsidy = ₹20,000 net
₹1 lakh net, 2 kW₹1,00,000 − ₹60,000 = ₹40,000 net
₹1 lakh net, 3 kW₹1,45,000 − ₹78,000 = ₹67,000 net
₹1 lakh net, 4 kW₹1,90,000 − ₹78,000 = ₹1,12,000 net, above ₹1 lakh

The most important variable is subsidy. The difference between claiming and not claiming PM Surya Ghar subsidy on a 2 kW system is ₹60,000, which is 60% of its benchmark cost. The PM Surya Ghar subsidy guide breaks down the exact amount for every capacity.

₹020,00040,00060,00080,0001 kW2 kW3 kW₹30,000₹60,000₹78,000₹020,00040,00060,00080,0001 kW2 kW3 kW₹30,000₹60,000₹78,000
PM Surya Ghar central subsidy by system size
ItemValue (₹)
1 kW₹30,000
2 kW₹60,000
3 kW₹78,000
PM Surya Ghar central subsidy by system sizeSource: MNRE PM Surya Ghar residential guidelines: ₹30,000 for 1 kW, ₹60,000 for 2 kW, ₹78,000 for 3 kW and above (pmsuryaghar.gov.in)Central subsidy only; state top-ups vary and are extra where offered.

Three Solar System Options Under ₹1 Lakh (Net Cost)

The figures below apply the MNRE benchmark and a generation of 1,450 to 1,550 units per kW a year (the formula and approximate state values are in our generation guide). Savings are at an assumed ₹7 per unit.

1 kW, 2 kW and 3 kW on-grid systems at the MNRE benchmark (scheme reference, not a quote)
SystemBenchmark grossSubsidyBenchmark netUnits a yearSavings a year at ₹7Payback at benchmark
1 kW₹50,000₹30,000₹20,0001,450 to 1,550₹10,150 to ₹10,8501.8 to 2.0 years
2 kW₹1,00,000₹60,000₹40,0002,900 to 3,100₹20,300 to ₹21,7001.8 to 2.0 years
3 kW₹1,45,000₹78,000₹67,0004,350 to 4,650₹30,450 to ₹32,5502.1 to 2.2 years
The same systems if your quote is 25% above the benchmark (an assumption, to show the sensitivity)
SystemAssumed grossSubsidyNetPayback at ₹7 per unit
1 kW₹62,500₹30,000₹32,5003.0 to 3.2 years
2 kW₹1,25,000₹60,000₹65,0003.0 to 3.2 years
3 kW₹1,81,250₹78,000₹1,03,2503.2 to 3.4 years

Option 1: 1 kW On-Grid

Suits: a 1 BHK without AC, consumption below about 150 units a month, very limited roof space. It covers only part of a typical 1 BHK bill if consumption is higher. Check your own bills.

Option 2: 2 kW On-Grid

Suits: a home with one AC or 200 to 250 units a month of consumption, using the generation above. It cannot back up the home during power cuts, and it cannot run two ACs at once without grid supply.

This is also the capacity where many residential turnkey EPC installers concentrate their standard packages, since it balances subsidy efficiency with load coverage for small homes.

Option 3: 3 kW On-Grid

Suits: a larger home with higher consumption. At the benchmark, 3 kW is ₹67,000 net, and the extra ₹27,000 over 2 kW buys 50% more generation, so if your consumption supports it, 3 kW has a similar payback. Match the size to your bills, not to the budget alone.

The detailed 2 kW cost reference points are in the 2 kW solar system price guide, and the 3 kW breakdown is in the 3 kW solar system price guide.

The ₹1 Lakh Solar Budget Checklist

Every solar buyer on a tight budget should verify these five items. Missing any one of them can turn a “cheap” deal into an expensive mistake:

The ₹1 Lakh Solar Budget Checklist

For the full vetting process behind the empanelled-installer item, the 8-step guide to finding a reliable solar installer covers reference checks, DISCOM track record, and quotation red flags in detail.

Budget vs Quality: What the Price Gap Means

At a ₹1 lakh budget level, every rupee matters. We found no dated sourced data on lifetime generation or failure rates by quality tier, so this guide does not publish a tier table. Compare the lines that can differ between two quotes of the same capacity:

Lines to compare between two quotes of the same capacity
LineWhat to compare
PanelsTechnology, wattage, DCR status, product and performance warranty
InverterExact model, certificates, warranty term and remedy, service route
Balance of systemEarthing, SPDs, cable grade, structure material and thickness
ScopeNet-meter application, commissioning, monitoring hardware
PriceItemised, dated and tax-inclusive

Compare the price difference with the annual-generation difference using the formula in our generation guide, and with the written warranty and remedy.

Payback Period at the ₹1 Lakh Budget

For the full payback methodology with degradation rates and tariff escalation, see the solar inverter payback period guide. Homeowners who want a rough estimate before requesting quotes can also run their bill through Heaven Green Energy’s solar savings calculator.

State Subsidies: Ask Before You Count on Them

The central PM Surya Ghar subsidy is ₹30,000 for 1 kW, ₹60,000 for 2 kW and ₹78,000 for 3 kW and above. Some states add their own top-ups, and those amounts, the eligible categories and the conditions are set by each state’s orders. We found no sourced current state-wise amounts, so no state table is published here. Ask your state nodal agency or DISCOM whether a top-up applies and whether it can be combined with the central subsidy.

Common Mistakes in the Under-₹1 Lakh Segment

  • Choosing gross price over net price: The correct comparison is net cost after subsidy. A system that is not ALMM-listed forfeits the subsidy, so a lower gross price can mean a higher effective cost.
  • Buying from non-empanelled installers: Many local electricians offer “solar installations” outside the PM Surya Ghar framework. These cannot process the subsidy and the work quality is unverified.
  • Choosing a 1 kW system to stay “cheap” when 2 kW is the right fit: If your consumption needs more than 1 kW generates, a 1 kW system covers only part of it; compare the payback of each size from your own bills.
  • Overbuying: Buyers with low consumption who are pushed to buy a larger system are overbuying. Right-sizing matters both ways. The 1 kW solar system price guide helps identify when 1 kW is genuinely sufficient.

Qbits model documentation

The budget solar buyer deserves a model-specific written warranty and a properly protected enclosure, just like the large installation, and should not get a lesser product because the system is smaller. For 1 to 2 kW, Qbits’ published catalogue lists the QB 1.5 to 4.0KTLS single-phase range, which starts at 1.5 kW. Pick the exact model for your array size and check its current datasheet at datasheet library.

  • Hybrid Inverters: Review current QBH model documents and confirm the exact battery, firmware, PV, backup-output, transfer, communication, warranty and project requirements in writing.
  • String Sizing Calculator: Verify your 1–2 kW string configuration and panel layout before ordering.
  • Authorised Service Partners: Search the current directory, then confirm partner status, service scope, coverage, response process and commercial terms for the location.

Contact Qbits and share your electricity bill so the right inverter model can be matched to your actual consumption. Qbits sells inverters through dealers and publishes no price, so ask for a dated quote for the exact model.

FAQ

Frequently Asked Questions

What solar system can I get for under ₹1 lakh in India in 2026?
It depends on whether you count the price before or after the PM Surya Ghar subsidy. At the MNRE benchmark (₹50,000 per kW for the first 2 kW and ₹45,000 for each additional kW, a scheme reference and not a quote), a 1 kW system is ₹50,000 gross and ₹20,000 net of the ₹30,000 subsidy, a 2 kW system is ₹1,00,000 gross and ₹40,000 net, and a 3 kW system is ₹1,45,000 gross and ₹67,000 net of the ₹78,000 subsidy. A 4 kW system at the benchmark is ₹1,12,000 net, so about 3 kW is the largest benchmark system that fits under ₹1 lakh net. Your real quote will differ, so compare itemised quotes with these references.
Is a ₹1 lakh solar system worth buying in India?
It can be, provided it uses ALMM-listed modules and is installed by an empanelled PM Surya Ghar vendor. The test is simple arithmetic: payback = net cost ÷ annual savings. For a 2 kW system at the ₹40,000 benchmark net cost generating about 3,000 units a year, savings at ₹7 per unit are about ₹21,000 a year, so payback is about 1.9 years; at an assumed ₹65,000 net (a quote 25% above the benchmark) it is about 3.1 years. What is not worth buying is a non-ALMM system that forfeits the subsidy, which raises the effective cost by the subsidy amount.
What is the PM Surya Ghar subsidy for a system under ₹1 lakh?
For a 1 kW system, the PM Surya Ghar central subsidy is ₹30,000. For a 2 kW system, the subsidy is ₹60,000, and for 3 kW and above it is capped at ₹78,000 (MNRE residential guidelines). These subsidies are paid to the homeowner's bank account after DISCOM verification. Applying for the subsidy through the national portal before installation begins is part of the process. State top-ups vary by state and order, so we quote none; ask your state nodal agency.
What are the risks of buying a cheap solar system in India?
The main risks are non-compliant or mislabelled modules, an undersized or unbranded inverter with a short warranty, thin balance-of-system scope (no proper earthing, surge protection or cabling), and an installer who is not registered with your DISCOM. Any of these can cost you the subsidy or force an early replacement. Ask for itemised quotes that name the module and inverter models, the warranty terms in writing, and the full scope of work, and compare at least two.
Can I get a hybrid solar system under ₹1 lakh in India?
Not with a meaningful battery, on dated listings. A 5 kW hybrid inverter alone was listed from ₹63,899 on 14 October 2026 and a 5.12 kWh lithium battery at ₹1,23,000 (see our hybrid inverter price guides), and we found no dated complete small hybrid kit listing, so we cannot state a net cost for a 1 to 2 kW hybrid system. If backup is essential, price the inverter, battery and installation as separate quote lines; an on-grid system is the cheaper complete option.
Which brands offer reliable solar systems under ₹1 lakh (net cost) in India?
Look past the brand name to the specific equipment and the vendor. Choose modules from the MNRE ALMM module list, an inverter whose exact model has current certificates and a written warranty, and a vendor registered with your DISCOM that has a local service presence. Then compare itemised quotes from at least two such vendors. A well-known brand on a thin quote is a worse buy than a modest brand with full scope and written terms.
What is the minimum system size I should consider for solar in India?
The smallest subsidised residential system is 1 kW, which generates about 1,450 to 1,550 units a year by the formula in our generation guide (roughly 4 units a day), enough to offset a small household's daytime load. Anything below 1 kW (individual panels sold without a complete system) is not subsidy-eligible and may lack grid-tie inverter compliance. Size from your bills: a home with air conditioning will usually need more than 1 kW.
How do I verify that a solar system under ₹1 lakh is PM Surya Ghar compliant?
Check four things. The vendor must be registered for PM Surya Ghar with your DISCOM, and you apply through the national portal before installation. The modules must be on the MNRE ALMM module list and meet the scheme's requirements. MNRE publishes no ALMM list for inverters, so ask for the exact inverter model's BIS registration and current certificates. Finally, the quote must come with a GST invoice, because subsidy disbursal needs one.
Akash Hirapara
Written by

Akash Hirapara CFO, Qbits Energy

CFO overseeing solar financing, procurement, and channel partner enablement at Qbits.

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