"4 kW system, 4.3-year payback" — Jagatpura Working Couple Solar Story

The Aggarwal household

Mr. & Mrs. Aggarwal both work in IT and live in a 3-BHK villa in Jagatpura (pin 302017). With both ACs running 8 hours daily in summer + an electric two-wheeler + multiple smart devices, their JVVNL bill was ₹6,200-₹6,800/month.

Why 4 kW

After consulting PM Solar (NGO) on PM Surya Ghar eligibility, an MNRE-empanelled vendor surveyor measured the 420 sq ft south-facing terrace (a Jagatpura new-construction kothi advantage) and recommended 4 kW based on 580-720 units/month consumption.

Financials (Feb 2026)

• System size: 4 kW (8 × 540 W Vikram Solar mono-PERC + 4 kW Tata Power Solar inverter)
• List price: ₹2,58,000
• PM Surya Ghar subsidy: ₹78,000
• Rajasthan RREC top-up: ₹17,000
• Net cost: ₹1,63,000
• 5-year EMI (Bank of Baroda Solar, 7.85% pa): ₹3,287/month
• Down payment: ₹25,000

Before vs After (5 months post-commissioning)

Local Jagatpura advantage

The Aggarwals' Mahindra SEZ-adjacent kothi has a builder-poured RCC parapet with pre-existing mount holes (popular in 2024-25 Jagatpura constructions), which saved ₹6,500 on mounting structure.

After year 5

• Monthly outflow drops to just ₹350 fixed charge
• Annual savings: ₹74,500 for the next 20 years
• 25-year lifetime savings: ₹19-22 lakh

Payback

• Year 1-5: Cumulative savings ≈ ₹1,72,000 (covers EMI principal + interest + ₹15,000 net positive)
• Year 5+: Pure savings of ₹6,200/month
• Effective payback period: 4.3 years

> "We were on the fence between 3 kW and 4 kW. PM Solar (NGO) data and the empanelled vendor's site analysis showed our exact consumption needed 4 kW — that extra 1 kW capacity now powers our new EV charger too." — Vikas Aggarwal, Jagatpura