If you live in Jammu & Kashmir, you should not rely on the ₹78,000 maximum central subsidy figure often quoted for other states. J&K is classified in the special-category benchmark.
Central subsidy for J&K
Under the PM Surya Ghar operational guidelines hosted by JAKEDA, the applicable central CFA is ₹33,000 per kW for the first 2 kW, followed by ₹19,800 for the next 1 kW. The central amount is capped at ₹85,800 beyond 3 kW.
| Solar system | Central (MNRE) | J&K UT top-up | Total eligible support |
|---|---|---|---|
| 1 kW | ₹33,000 | ₹3,000 | ₹36,000 |
| 2 kW | ₹66,000 | ₹6,000 | ₹72,000 |
| 3 kW | ₹85,800 | ₹9,000 | ₹94,800 |
| 4 kW | ₹85,800 | ₹9,000 | ₹94,800 |
| 5 kW | ₹85,800 | ₹9,000 | ₹94,800 |
Additional J&K UT subsidy
The J&K Bank scheme page states an additional UT subsidy of ₹3,000 per kW up to a maximum of ₹9,000. This means combined potential support of ₹94,800 at 3 kW or above for eligible residential customers.
Do you automatically qualify?
No. You must meet the scheme's consumer, rooftop, installation, DCR and commissioning requirements. The National Portal and authorities verify documents before disbursement.
Application checklist
- Review your electricity bill and roof ownership/permissions.
- Register at the official PM Surya Ghar portal ↗.
- Choose an appropriately registered installer and follow DISCOM feasibility procedures.
- Use the scheme-compliant solar cells and modules and complete installation.
- Complete inspection, net-metering, commissioning and bank details.
Primary references: MNRE implementation guidelines ↗ and J&K Bank subsidy structure ↗.
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