"Net cost only ₹57,000" — Jhotwara 2 kW Budget Solar Case Study

The Yadav household

Mrs. Sunita Yadav, a schoolteacher, lives with her husband and one child in a 2-BHK independent house in Jhotwara (pin 302012). Their JVVNL bill was a manageable but rising ₹3,200-₹3,500/month — driven by an old AC, water heater, and growing electronics.

Why 2 kW was the sweet spot

Yadav family consumption: 280-340 units/month. A 2 kW system generates 240-300 units/month in Jaipur — nearly 100% of their daytime load.

Financials (Feb 2026)

• System size: 2 kW (4 × 540 W Adani Solar mono-PERC + 2 kW Microtek inverter)
• List price: ₹1,34,000
• PM Surya Ghar subsidy: ₹60,000
• Rajasthan RREC top-up: ₹17,000
• Net cost: ₹57,000
• PNB Surya Shakti loan (5-year, 8.30% pa): EMI ₹1,164/month
• Down payment: ₹0 (covered by combined subsidies in 60 days)

Before vs After (3 months post-commissioning)

What made this affordable

• PNB Surya Shakti approves up to ₹2 lakh without collateral for residential rooftop solar
• Mrs. Yadav's CIBIL score (712) qualified easily; husband as co-applicant for added comfort
• PM Solar (NGO) free paperwork guidance meant fewer bank-branch visits

After year 5 (loan closure)

• Monthly outflow drops to just ₹220 fixed charges
• Annual savings: ₹38,400 for the next 20 years
• 25-year lifetime savings: ₹10-12 lakh on a ₹57,000 net investment = 17x return

> "We never thought solar was possible on our budget. Then PM Solar (NGO) showed us how the subsidies could cover everything with virtually no out-of-pocket cost, and helped us shortlist a trustworthy MNRE-empanelled vendor. EMI is less than our old electricity bill." — Sunita Yadav, Jhotwara