2026 mein PM-KUSUM solar pump lena ho to sabse pehla sawal: "3 HP, 5 HP ya 7.5 HP — subsidy ke baad kitna nikalta hai?" Har dealer alag rate bolta hai, WhatsApp par purani rate ghoomti rehti hai.
Is article mein realistic range, 60% subsidy ka hisaab (30 central + 30 state), aur 10% apna + 30% loan simple Hinglish mein samjhenge.
Advance dene se pehle hamesha pmkusum.mnre.gov.in aur apne state nodal portal par live rate verify karo.
Standard Component B: 60% subsidy | 30% loan | 10% kisan share. North-East / pahadi / island: centre 50% + state (≥30%).
Subsidy ka hisaab — table se samjho
| Hissa | Percent | Kaun deta hai |
|---|---|---|
| Central CFA | 30% | MNRE (NE mein 50%) |
| State subsidy | 30% | State nodal |
| Bank loan | 30% | Kisan (EMI bank ko) |
| Apna paisa | 10% | Kisan install par |
Example — 5 HP, ₹3.5 lakh benchmark:
| Item | Rashi |
|---|---|
| Total cost | ₹3,50,000 |
| Subsidy 60% | ₹2,10,000 |
| Kisan ko dena (40%) | ₹1,40,000 |
| Usually: 10% cash + 30% loan | ₹35,000 cash + ₹1,05,000 loan |
Agar total ₹4 lakh hai to subsidy ke baad ₹1.6 lakh — diesel se solar switch ke cases mein yehi range sunne ko milti hai.
3 HP, 5 HP, 7.5 HP — cost table (2026)
Neeche AC submersible solar pump ke indicative rate hain (ALMM panel ke sath). Apne state ka approved benchmark alag ho sakta hai.
| HP | Subsidy se pehle | ~60% subsidy ke baad | Kiske liye |
|---|---|---|---|
| 3 HP | ₹2.0 – 2.8 lakh | ₹80,000 – 1.1 lakh | 1–2 bigha, kam gehra bore |
| 5 HP | ₹3.0 – 4.0 lakh | ₹1.2 – 1.6 lakh | 3–5 acre — sabse common |
| 7.5 HP | ₹4.5 – 6.0 lakh | ₹1.8 – 2.4 lakh | Gehra bore, 5+ acre, bagh |
Head (metre) zyada ho to HP se bhi zyada kW panel lag sakta hai — sirf HP se mat decide karo.
North-East aur special states
Assam, Meghalaya, Manipur, Nagaland, Tripura, Mizoram, Arunachal, Sikkim aur pahadi / island UT mein centre 50% ho sakta hai. Kisan ka pocket share aur kam pad sakta hai — par loan aur kagaz same process.
Category confirm karo pmkusum.mnre.gov.in par register karte waqt.
Quote mein kya aata hai?
Usually included:
- Solar panel array
- Controller / VFD
- BIS wala pump
- Structure + installation
- ~5 saal warranty (sanction letter padho)
Usually not included: naya bore, lambi pipeline, fencing. Itemised bill maango.
State wise farak — padosi sasta kyu pada
| Factor | Asar |
|---|---|
| State benchmark cap | Kuch state EPC rate fix karte hain |
| SC/ST top-up | Extra 10–20% kuch jagah |
| ALMM panel (June 2026 ke baad) | Hardware thoda mehnga |
| Dealer margin | ₹20,000–50,000 ka farak — 3 quote lo |
| Bore depth | Gehra bore = bada array |
Rajasthan ke liye Rajasthan solar pump subsidy. Baaki sab PM-KUSUM guide se start karo.
Apply ka sahi tareeka — subsidy na kategi
- Portal par register — pmkusum.mnre.gov.in
- Aadhaar, Khasra/Khatauni, bank passbook upload
- Sahi HP choose — paani ki gehraai aur acre dekho
- Sanction se pehle install mat karo — subsidy mistakes padho
- Sirf empanelled vendor
- 10% contribution letter ke mutabiq; loan vendor ko
- Inspection ke baad subsidy vendor ko — 100% cash ek saath mat do
Loan wala 30% — short samjhao
30% loan aksar KCC ya nodal bank se — interest 7–9% ke aas-paas (branch se confirm). ₹1 lakh par 5 saal EMI roughly ₹2,000/month — diesel bill se aksar kam.
Wapasi kab tak? (payback)
5 HP diesel peak mein ₹15,000–25,000/month — subsidy ke baad ₹1.4 lakh net cost 1–2 saal mein recover ho sakta hai. Grid pump wale bill savings cases dekho.
Sirf 2–3 mahine sinchai ho to 7.5 HP par zyada kharcha sochna.
Dealer se bachne ke red flags
- Portal registration number nahi
- Non-ALMM panel "offer"
- 100% cash — subsidy "baad mein"
- Sanction 5 HP, motor 3 HP
- BIS stamp nahi
PMKSY drip se paani kam — kabhi 5 HP ki jagah 3 HP kaafi, ₹40,000+ bachat.
Disclaimer: Rate aur subsidy badal sakti hai. pmkusum.mnre.gov.in par live verify karo. Ask Kisan MNRE nahi hai.
Last verified: 12 June 2026.
अक्सर पूछे जाने वाले प्रश्न
5 HP PM-KUSUM solar pump par total kitna kharcha aata hai 2026 mein?
Benchmark ke hisaab se 5 HP AC pump lagbhag ₹3–4 lakh ka padta hai subsidy se pehle. 60% subsidy (30% central + 30% state) ke baad kisan ka effective kharcha aksar ₹1.2–1.6 lakh ke beech — 10% apna paisa, 30% bank loan. State wise rate alag ho sakta hai, pmkusum.mnre.gov.in par check karo.
60% subsidy ka breakdown kya hai?
Standard: 30% centre (CFA), 30% state, 30% bank loan kisan par, 10% kisan ka apna contribution. North-East, pahadi aur island UT mein centre 50% ho sakta hai, state kam se kam 30% add karta hai.
3 HP aur 7.5 HP ka kharcha subsidy ke baad kitna?
Andaza: 3 HP total ₹2–2.8 lakh (subsidy ke baad ₹80,000–1.1 lakh); 7.5 HP total ₹4.5–6 lakh (subsidy ke baad ₹1.8–2.4 lakh). Ye range hai — apne state portal par official benchmark dekho.
Apply kahan karein?
State nodal agency portal ya pmkusum.mnre.gov.in. Aadhaar, zameen ka kagaz, bank passbook chahiye. Bina portal registration number ke advance mat do.
Kya 60% se zyada subsidy mil sakti hai?
Kuch state SC/ST, chote kisan ya special block mein extra top-up dete hain. National structure 60% hai — extra benefit state ke budget par depend karta hai.
