PM Surya Ghar subsidy not received? Common reasons and how to get it released

The PM Surya Ghar central financial assistance is credited to your bank account only after every step on the national portal is complete: installation details uploaded, DISCOM inspection done, net meter installed, commissioning report issued, and your bank details submitted and verified. If the money has not arrived, the cause is almost always one of these: a step still pending, a name mismatch between the electricity connection, the applicant and the bank account, a missing or wrong DCR certificate, an incorrect IFSC or account number, or capacity entered differently from what was approved. Log into the portal, find the exact status, fix the document problem, and raise a grievance on the portal and with your DISCOM if the status does not move. This guide works through each cause.

Step 1: Read the status on the portal

Log in with your own mobile number. Write down the status and the date. Typical stages:

If the system is commissioned but you have not submitted bank details, that is the step to complete.

Step 2: Check the usual causes

Name mismatch

The applicant's name should match the name on the electricity connection, and the bank account should be in the applicant's name. If the connection is still in a previous owner's or deceased relative's name, apply to the DISCOM for name change with the supporting documents, then update the application as the portal allows.

Bank details

• Account must be active and able to receive credits.
• IFSC and account number must be exact; a cancelled cheque or passbook page must be clear.
• Joint accounts can work if the applicant is a holder, but check the portal's rule.

DCR certificate

Without a valid DCR certificate listing your module serial numbers, the subsidy can be rejected. Ask the vendor for it and make sure it matches the modules on your roof. See DCR modules, ALMM and BIS.

Capacity mismatch

The approved capacity, installed capacity and capacity in the commissioning report should match. A 3 kW approval with 3.3 kW installed may be handled differently; ask the DISCOM to correct the record if needed.

Photos and documents

Missing geo-tagged photos, invoice or commissioning documents can hold processing. Ask the vendor to re-upload anything flagged.

Step 3: Raise a grievance

1. Use the grievance or help option on the national portal with your application number.
2. Write to your DISCOM's rooftop cell, because the DISCOM is the state implementing agency and can see why the application is held.
3. Ask your vendor in writing to confirm all uploads; under the scheme, registered vendors have obligations and can face action for poor service.

Keep every reference number and date.

Step 4: Escalate if needed

If the delay is at the DISCOM (inspection or commissioning not done), you can approach the CGRF under Section 42(5) of the Electricity Act, 2003. If the problem is that the vendor did not provide documents or used non-DCR modules, the dispute is with the vendor; contact the National Consumer Helpline (1915) and, if needed, file before a consumer commission. See how to complain.

Worked example (illustrative)

A household's 3 kW system was commissioned on 10 January and bank details were submitted on 12 January. By 15 March nothing has arrived.

1. The portal shows "Returned: bank account name mismatch".
2. The electricity connection is in the name "R. K. Sharma"; the bank account is "Rajesh Kumar Sharma".
3. The household checks the portal's instructions, uploads a passbook page showing the full name, and attaches ID proof showing both forms of the name, then raises a grievance explaining the variation.
4. The status changes to "Bank details submitted" and the CFA of ₹78,000 is credited some weeks later.

If you took a loan

Your EMI continues whether or not the subsidy has arrived. Keep paying. When the CFA is credited, decide whether to prepay; see solar loans from public sector banks.

What not to do

• Do not pay anyone who offers to "speed up" the subsidy for a fee; see PM Surya Ghar scams.
• Do not share your portal login or OTPs.
• Do not remove or replace modules before the subsidy is released; the installation may be verified.

Back to the pillar guide: rooftop solar mistakes and official sources. Related: DISCOM inspection and net meter delays, PM Surya Ghar application steps.

Frequently asked questions

How long does the subsidy take after commissioning?

It varies with document checks and processing. If several weeks pass with no status change, raise a grievance.

Can the subsidy go to the vendor's account?

Under the portal process it is credited to the applicant. If you agreed a different arrangement with a vendor, get it in writing.

My application was rejected for non-DCR modules. Can I fix it?

Only by replacing the modules with DCR modules and getting the installation re-verified, which is costly. Raise the matter with the vendor if they promised DCR.

Is the subsidy taxable?

For a household, a capital subsidy for a home system is not normally treated as income, but if you use the system for a business, take tax advice.

Official sources

• PM Surya Ghar national portal — application status and grievance option
• Ministry of New and Renewable Energy — scheme guidelines
• National Consumer Helpline — vendor disputes
• Your DISCOM's website — rooftop cell and name change process