സോളാർ ലാഭം കണക്കാക്കാം
What a system wouldactually save you.
Put your bill in, size a system against it, and this works out what it costs after the subsidy, what it generates through a Kerala monsoon, what your bill becomes and how long it takes to pay for itself. It deliberately plans low, so the figure you get is one a bad year cannot embarrass.
ബിൽ നൽകൂ. സിസ്റ്റത്തിന്റെ വില, ഉത്പാദനം, ലാഭം, എത്ര വർഷം കൊണ്ട് മുടക്കുമുതൽ തിരികെ കിട്ടും — എല്ലാം ഇവിടെ.
Prices are Ficus's own, for a straightforward roof — your figure comes off the survey. Subsidy and tariff figures checked on 15 September 2026 against pmsuryaghar.gov.in and the KSEB Tariff Revision Circular 2025–2027.
What a 3 kW system comes to after the subsidy, at ₹70,000 per kW. Before it, ₹2,10,000.
A year, for a household on 300 units a month — more than the tariff alone suggests, because the saving carries them back over a slab step.
Years to pay for itself, in that same case. Residential paybacks typically land between three and five.
സോളാർ കണക്ക്
Size a system against your own bill.
Four fields describe the bill you have now; two sliders describe the system. Every figure in the ledger moves with all six.
Two things make a Kerala estimate different from a national one. The saving is worth more here than the tariff suggests, because cutting your billed units can carry you back over a slab step — and when it does, every unit you still use is repriced downward too. This counts that; the bill calculator shows you why it is worth so much.
And there is the monsoon. A system that makes 380 units in February makes closer to 170 in July. The ledger gives you the annual average and the monsoon month separately, because the first is the honest figure and the second is the one you live with.
Cost per kW is a slider because it is a real range, not a price list — what sits inside that range is the next section.
The first four fields are your bill as it stands; the two sliders are the system. Every figure in the ledger moves with all six.
Your bill will not reach ₹0. The fixed charge, the 10% electricity duty and the meter rent survive whatever your panels do — net metering cancels units, not the bill.
വില
What a system costs in Kerala.
Two sizes, at what Ficus normally install them for. A figure is only a quote once somebody has stood on your roof — but you should not have to ask twice to hear a number.
Two things move the total, and it is worth separating them. What you buy — the panel grade, the inverter and the mounting are real differences in specification, not in margin, and they are why two quotes for the same 3 kW are not the same thing. And how much of it you buy: per kilowatt, a bigger system is cheaper. One inverter, one cable run, one earthing set and one day of labour cost much the same at 5 kW as at 3 kW, so they are spread over more kilowatts.
Which is why a single per-kW figure is misleading, and why the table below is by size instead. Worked back from it, a 3 kW system comes to ₹70,000 per kW and a 5 kW to ₹62,000 — the same totals divided by the size, not a second claim. The estimator's slider runs either side of both, ₹60,000 to ₹95,000, because a difficult roof or a premium specification does move it; most houses do not reach the top of it.
| System | Installed price | Subsidy | You pay |
|---|---|---|---|
| 3 kW | ₹2,10,000 | ₹78,000 | ₹1,32,000 |
| 5 kW | ₹3,10,000 | ₹78,000 | ₹2,32,000 |
| The right-hand column is the middle two subtracted, nothing cleverer. The subsidy is the same ₹78,000 at both sizes because it is capped at 3 kW — so every kilowatt past the third is bought at full price, which is worth weighing when you pick a size. A steep pitch, a long cable run or a tight working space moves these figures; the survey is what settles them. | |||
What moves the price
Five things, in roughly the order they matter.
- The panels. The better grade costs more and makes more per square foot of roof. On its own this is most of the gap between the top and the bottom of the range.
- The inverter. Which make, and whether it is one inverter for the whole array or a small one behind each panel.
- The mounting. A sheet or tiled roof needs more structure than a flat concrete terrace does.
- The cable run from the panels to the inverter to the meter. A long one is expensive in copper.
- Earthing and a lightning arrestor. In Kerala these are not optional.
And what a cheap quote leaves out
Advertised prices around ₹99,999 for 3 kW and ₹1,99,999 for 5 kW are real — they are advertised in this market, and they are why the table above is worth explaining rather than just printing. Work them back: ₹99,999 for 3 kW is about ₹33,000 a kilowatt, under half of ours, and ₹1,99,999 for 5 kW is about ₹40,000. Something has to come off to get there, and it is almost always the last three on that list: the mounting, the cable and the earthing. Those are the parts nobody photographs, nobody asks about, and the monsoon finds first.
So ask every quote you get, ours included, for four things in writing: the panel make and wattage, the inverter make, the mounting material and its warranty, and whether earthing and a lightning arrestor are in the price or extra. A quote that answers those four can be compared with another quote. One that does not is just a number.
How much a Kerala roof actually generates.
One assumption moves every number in that ledger. Here it is, written down, so you can argue with it.
The published figure for Kerala is 1,200 to 1,400 units per kW per year — lower than most of India, because Kerala gets two monsoons rather than one, and lower again around Kochi than in Thiruvananthapuram.
This page plans at 1,150. Below the published range, deliberately. What systems here actually report month by month does not add up to 1,300 a year: a 3 kW system around Kochi makes 280–340 units a month from November to April and 100–180 in the heavy monsoon. An estimate on an installer’s website should be one a bad year cannot embarrass, so these figures are lower than what a happy customer will tell you they get. If your system beats this page, that is the intended direction.
Roof area is planned at about 80 square feet per kW, free of shadow. Payback usually lands at three to five years, and faster above 250 units a month, because there you are escaping a slab step as well as the tariff.
ലോൺ & EMI
Paying for it monthly: loans and EMI.
Loans are available under PM Surya Ghar without pledging property, up to about ₹2 lakh for a system of 3 kW or less. The question that decides it is whether the monthly saving covers the monthly instalment.
No property or deposit is pledged — but there is still a credit check, and not every bank prices it the same. On the interest rate we will not print a number as though it were a fact: these rates move, and in September 2026 they ran from roughly 5.75% to 7.9% depending on the bank and the amount. The slider starts at 7%. Move it to whatever your bank actually quotes you.
Where the instalment runs ahead of the saving, the tool says so rather than hiding it. A longer tenure or a smaller system closes the gap, and so does paying more up front. After the loan ends the electricity is free either way — which is the argument for borrowing, not a guarantee.
ചോദ്യങ്ങൾ
Questions about the money.
The ones about your house are on the main page, and the ones about the tariff are on the calculator.
Does solar generate during the monsoon?
മഴക്കാലത്തും ഉത്പാദനം ഉണ്ട്, പക്ഷേ പകുതിയോളം മാത്രം.
Yes, roughly half. Panels work on diffuse light, so an overcast Kerala day still produces — just not what February produces. A 3 kW system around Kochi makes 280–340 units a month from November to April and 100–180 in peak monsoon. The estimator uses an annual average and shows you the monsoon month separately, because the annual figure is the honest one and the monthly one is what you live with.
Is ₹99,999 for a 3 kW system real?
Prices like that are advertised in this market, so the number is real. What it buys is the question. ₹99,999 for 3 kW is about ₹33,000 a kilowatt against the ₹70,000 we install at — under half — and the things that come off a quote to reach it are the mounting structure, the cable run and the earthing, not the panels, because the panels are what the advertisement is about. Ask what structure, what cable and whether a lightning arrestor is included, and compare the answers rather than the totals.
Do I need a loan, or is paying up front better?
Paying up front costs less overall — no interest, and the subsidy reaches your own bank account rather than a loan account. Borrowing makes sense when the monthly saving covers the instalment, which the tool above works out for your numbers. Above 250 units a month it usually does, because escaping a slab step is worth more than the tariff alone.
Do panels need cleaning, and does it matter?
Yes, and yes. Kerala dust and monsoon growth cost real output, and a dirty array is the most common reason a system quietly underperforms its estimate. It is also the cheapest thing on this page to fix.
Why is your estimate lower than what my neighbour says they generate?
Because theirs is a good-weather figure and this one is an all-weather figure, and both are true. Customers with 5 kW systems will tell you 21 to 26 units a day; this page plans a 5 kW system at 15.8 units a day averaged across the year, and 20.9 on its best day in February. An estimate that needs a good year to come true is not an estimate.
What happens to the saving if the tariff changes?
It moves with it, and historically upward. Every figure here is computed against the KSEB tariff in force to 31 March 2027; if KSERC revises the rates, the units your panels offset are worth whatever the new rate is. A system sized against today's consumption does not become wrong when the tariff moves — the payback does, usually shorter.
ബാക്കി കണക്കുകൾ
The subsidy, and the KSEB approval.
This page is the money. The subsidy that pays for about a third of it, and the KSEB approval that has to happen before any of it, each have a page of their own.
ഇനി എന്ത്?
The number you want is on your roof.
Everything above is an estimate until somebody measures the roof, checks where the shadow falls at four in the afternoon and looks at your board. That visit is free, and it is what turns this page into a price. Ficus Solar Energies install rooftop solar across Kerala, from branches in Ernakulam and Thrissur — 4.9 ★ from 111 Google reviews.
കണക്കുകൾ ശരിയാണെന്ന് തോന്നുന്നുവെങ്കിൽ, അടുത്ത പടി ഒരു സൈറ്റ് സർവേ ആണ്. അതിന് ചാർജ് ഇല്ല.
Whatever you last set the sliders to travels with the message — the bill, the units and the system size — so nobody starts by asking you for numbers you have already typed. See the work, the reviews and who we are →