PM Surya Ghar: What Gets an Application Rejected
Most guides to PM Surya Ghar explain the subsidy. Almost none explain the checks that happen before anyone works the subsidy out — and those are where applications actually stall. Two of them are the usual culprits: your sanctioned load must be at least the size of the plant you are applying for, and the name on the electricity connection has to match the name you are applying and banking under. Both are fixable, both are fixed at your DISCOM rather than on the solar portal, and both are much cheaper to fix before you apply than after.
Interactive tool Work out the subsidy and payback Once you clear these checks, size the plant and see what the subsidy leaves you paying.The checks, in the order they bite
| Check | What it means | Where it is fixed |
|---|---|---|
| Sanctioned load ≥ plant size | A 3 kW plant generally needs at least 3 kW of sanctioned load on the connection. | DISCOM — load enhancement |
| Name match | The consumer name on the connection should match your identity and bank records — spelling included. | DISCOM — name change |
| You are the consumer | If the connection is still in a previous owner's or a relative's name, it is not yours to apply on. | DISCOM — transfer of connection |
| Live, regular connection | A domestic connection in good standing, not disconnected and not in arrears. | DISCOM — clear dues first |
| Roof you control | Ownership or documented permission for the roof the plant sits on. | Society / owner NOC |
The precise wording differs by state and is set by your DISCOM, not by us. Treat this as the shape of the gate — the authoritative checklist is the one your DISCOM shows during the application.
Sanctioned load against plant size — and what fixing it costs
This is the check people are most surprised by, because nothing about buying panels suggests your electricity contract is involved. The reasoning is straightforward: a rooftop plant can push its full rated output back through your connection, so the connection has to be contracted for at least that much.
If your load is short, the fix is a load enhancement request at your DISCOM. It is routine. What it is not is free — and this is the part worth seeing before you commit, because the higher fixed charge is billed every month, permanently:
| Plant you want | Minimum load | Fixed charge / month | Extra vs 2 kW | Extra a year |
|---|---|---|---|---|
| 1 kW | 1 kW | ₹110 | — | — |
| 2 kW | 2 kW | ₹220 | — | — |
| 3 kW | 3 kW | ₹330 | +₹110 | +₹1,320 |
| 5 kW | 5 kW | ₹550 | +₹330 | +₹3,960 |
Fixed charges computed live from the UPPCL LMV-1 urban domestic schedule, against a 2 kW starting point. A load enhancement is permanent: the higher fixed charge is billed every month afterwards, in months you generate plenty and months you do not. Your own DISCOM's fixed charge will differ — put your numbers into the bill calculator before you apply, and check the load you actually need with the sanctioned load optimizer.
There is a second cost that arrives later and separately: a higher sanctioned load raises your security deposit, and the difference is demanded as a lump on a subsequent bill. Only the difference is payable, not the whole amount again — see how the security deposit works before you pay a demand you have not checked.
The name has to match — exactly
Subsidy is disbursed to a bank account, against an application, against an electricity connection. Those three names are compared, and a mismatch is one of the more common reasons a file sits unresolved: an initial where the bank has a full name, a maiden name, a transliteration that differs by one letter, or a connection still in a parent's name.
Two different problems hide here, and they need different requests:
- Same person, wrong spelling — a name correction on the connection. Usually the lighter process.
- Different person — a transfer of connection into your name. This is the heavier one, and it also re-settles the security deposit, so start it early.
Check the spelling on your latest bill against your bank passbook before you do anything else. It costs nothing and it is the single most common avoidable rejection.
What you will be asked for
Document lists are set by each DISCOM and change; your DISCOM's own portal is the only authoritative list. What is asked for almost everywhere falls into four groups:
- Identity — the applicant's government identity document.
- The connection — a recent electricity bill, which carries the consumer number, the sanctioned load and the name that has to match.
- The premises — ownership proof, or permission for the roof where the applicant is not the owner.
- The bank account — for the subsidy transfer, in the same name.
Do not send documents to anyone who contacts you offering to "get the subsidy approved". The subsidy is disbursed to your own account through the official process, and the vendor list is published on the national portal.
Fix it at your DISCOM, then apply
All three of the fixes above — load enhancement, name correction, transfer of connection — are DISCOM requests, not solar-portal ones. Pick your state and DISCOM and go straight to its official portal:
The order that saves the most time: check the name on your bill, check the sanctioned load against the plant you want, raise whichever request you need, and only then start the solar application. Doing it the other way round means an application waiting on a DISCOM process that had not been started.
Then work out whether it is worth it
Eligibility is a gate, not a reason. Once you know you can apply, the questions that actually decide it are how big a plant your roof and your consumption justify, and what the subsidy leaves you paying:
Frequently asked questions
Does my sanctioned load have to match my solar panel size?
What happens if the name on my electricity bill does not match my bank account?
Will increasing my sanctioned load raise my bill even if I generate my own power?
Does a load enhancement mean paying the security deposit again?
Can I apply for PM Surya Ghar if I live in a rented house?
Should I fix these things before applying or after?
Now check your own bill
Reading is half the job — run your own units through your DISCOM's real slab rates, fixed charges and FPPA and get an itemised bill in seconds. Free, no sign-up.
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Related guides
General guidance based on publicly available tariff orders and regulations; specifics vary by state, DISCOM and consumer category. Verify against your DISCOM's official schedule or your printed bill.