India is evaluating a new consumer-protection initiative known as the Rooftop Solar Performance Insurance Program (RSPIP-2026) to compensate homeowners when their solar systems generate significantly less electricity than expected. Officials involved in early consultations told SolSetu that the program aims to build consumer confidence and address rising complaints of under-performance.

With millions of new rooftop solar installations being deployed under national schemes, a standardized insurance framework could become an important safeguard for households.

Why RSPIP-2026 Is Being Discussed

Across several states, consumers have reported issues such as:

• Panels generating 20–40% less than projected
• Inverter inefficiencies reducing overall output
• Shading issues not disclosed during installation
• Faulty wiring or low-quality DC connectors
• Seasonal losses not accounted for during system sizing

The new insurance model would help mitigate unexpected financial losses for homeowners.

How the Performance Insurance May Work

According to draft discussions, RSPIP-2026 may include:

• Annual performance guarantee — if output falls below an approved benchmark, insurance covers the gap
• Weather-adjusted solar projections calibrated for each city
• Mandatory installer documentation for shading and rooftop conditions
• AI-based generation monitoring linked to state portals
• Coverage for inverter failures affecting performance
• Optional full-system coverage including panels, wiring & mounts

Officials say the insurance will be integrated with rooftop subsidy approvals to avoid paperwork for consumers.

Benefits for Homeowners

• Guaranteed solar savings regardless of climate or equipment failure
• Reduced financial risk from low-performing systems
• Greater trust in vendors and EPC companies
• Longer system lifespan due to regular performance evaluation
• Better transparency in installation quality

Industry Impact

Experts believe RSPIP-2026 could significantly improve installation standards as vendors would be required to meet performance benchmarks or risk losing insurance eligibility.

Pilot Testing Expected Next Year

The pilot phase may launch in:

• Maharashtra
• Rajasthan
• Karnataka
• Delhi NCR
• Gujarat

A nationwide rollout is expected once insurers, DISCOMs, and monitoring platforms establish a common framework.

SolSetu will continue reporting on policy updates as RSPIP-2026 moves through its evaluation stage.