New Delhi, Oct. 21 -- Solar panels and home EV charging can reduce household costs, but savings vary. Your electricity bill, local rates and daily habits decide how much you save. Homes with higher bills and longer drives get better returns.

A 3 kW rooftop solar system produces roughly 360 to 400 electricity units monthly. Its price ranges from Rs.1.6 lakh to Rs.2.2 lakh before subsidy. These estimates primarily come from installer guides, so actual costs can vary by city.

The PM Surya Ghar scheme provides support for installing rooftop solar systems. The first two kilowatts receive Rs.30,000 each, while the third receives Rs.18,000.

The central subsidy is capped at Rs.78,000, with some states offering additional support. After support...