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PM Surya Ghar: What Gets an Application Rejected

8 min read · Updated 21 August 2026 · TheDiscomBill Editorial · How we source our rates

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.

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The checks, in the order they bite

CheckWhat it meansWhere it is fixed
Sanctioned load ≥ plant sizeA 3 kW plant generally needs at least 3 kW of sanctioned load on the connection.DISCOM — load enhancement
Name matchThe consumer name on the connection should match your identity and bank records — spelling included.DISCOM — name change
You are the consumerIf 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 connectionA domestic connection in good standing, not disconnected and not in arrears.DISCOM — clear dues first
Roof you controlOwnership 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:

Open my DISCOM's services

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?
Your sanctioned load generally has to be at least the capacity of the plant — a 3 kW system on a connection sanctioned for 2 kW will usually need a load enhancement first. The requirement is set by your DISCOM, and the enhancement is a routine request, but the higher fixed charge that follows is permanent and billed every month.
What happens if the name on my electricity bill does not match my bank account?
It is one of the most common reasons an application stalls, because the subsidy is paid to a bank account matched against the connection. If it is the same person with a spelling difference, ask your DISCOM for a name correction. If the connection is in someone else's name, you need a transfer of connection, which takes longer and also re-settles the security deposit — start it early.
Will increasing my sanctioned load raise my bill even if I generate my own power?
Yes. The fixed charge is billed on sanctioned load regardless of how much you consume or generate, so it applies in every month including your best generating months. Work out the monthly increase before you enhance, and keep the load no higher than the plant actually requires.
Does a load enhancement mean paying the security deposit again?
No — only the difference between the new required deposit and the one you already hold. A demand for the entire new amount is worth questioning in writing.
Can I apply for PM Surya Ghar if I live in a rented house?
The applicant needs to be the electricity consumer and to control the roof, so a tenant generally cannot apply on a connection in the landlord's name. Where the arrangement is genuinely yours, the connection has to be transferred into your name first, with the owner's permission for the roof.
Should I fix these things before applying or after?
Before. Load enhancement, name correction and transfer are all DISCOM processes with their own timelines, and an application waiting on one of them is simply an application waiting. Checking the name on your latest bill and the sanctioned load against your intended plant size costs nothing and takes a minute.

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.

Open the electricity bill calculator →

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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.