We took a real Kerala household — monthly KSEB bill of ₹3,000, consumption around 250 units/month — and ran an honest, detailed comparison of what happens when they switch to solar. The results might surprise you.

The Household Profile

  • Location: Ernakulam, Kerala
  • Monthly consumption: ~250 units
  • Current KSEB bill: ₹3,000/month (₹36,000/year)
  • Assumed solar system: 3 kW rooftop grid-tied
  • Subsidy applied: ₹78,000 (PM Surya Ghar)

Cost Comparison Over 20 Years

FactorContinue with KSEBSwitch to Solar
Year 1 cost₹36,000₹1,00,000 (after subsidy)
Annual electricity bill₹36,000 (rising ~5%/yr)~₹3,600 (grid top-up only)
5-year total~₹2,00,000~₹1,18,000
10-year total~₹4,52,000~₹1,36,000
20-year total~₹12,00,000~₹1,72,000
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Key Insight

KSEB tariffs have increased by an average of 5–7% annually over the past decade. Solar locks in your energy cost for 25 years, making the long-term savings even more dramatic than these estimates.

Payback Period Analysis

Net system cost (after ₹78,000 subsidy)₹1,00,000
Annual savings on electricity₹32,400
Additional income from net metering~₹3,600/year
Simple payback period~2.8 years
Net savings over 20 years₹6,28,000+

What About Cloudy Days in Kerala?

Kerala's monsoon season is a common concern. However, modern solar panels still generate 20–40% of their rated capacity on overcast days. Combined with net metering — where excess power earned during sunny months offsets monsoon months — the annual output remains very viable.

In our analysis, a 3 kW system in Kochi generates approximately 3,600–4,200 units per year, more than enough to cover a 250 unit/month household's annual consumption of 3,000 units.

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