Gross cost and effective cost are different
The gross project cost is the contract price. Effective cost after subsidy is a useful comparison, but it does not tell you how much cash must be arranged before the subsidy arrives. Read the payment schedule together with the expected claim process.
Use a simple worked example
For an illustrative ₹2,00,000 project with approved central CFA of ₹78,000, the effective cost after that credit is ₹1,22,000. This example excludes state assistance, interest and other costs. It does not mean ₹1,22,000 is the only amount payable before commissioning.
Ask where the credit goes
Subsidy goes to the beneficiary account required by the scheme or lender. Matching applicant, electricity-consumer and bank details helps the claim proceed smoothly. If your payment arrangement allows for subsidy later, the agreement explains when each amount is due and what happens if the credit is delayed.
Use the calculator as a planning tool
The calculator lets you compare the installed cost, eligible subsidy and financing over time. It shows the cash needed before the subsidy arrives as well as the longer-term bill savings, so you can plan the two separately.
Useful next steps
Household subsidy guide · Savings calculator · All solar articles