Before paying a non-recoverable amount, reconcile the proposal with the PM Surya Ghar application record, current MNRE guidelines, vendor identity and local DISCOM process. Treat subsidy as zero until the live case shows eligibility; then model timing separately because an approved amount received later does not fund an earlier installer payment.
Require serials, invoices, commissioning evidence, monitoring ownership and warranty documents at handover. Run expected, conservative and no-subsidy cases. If only the upside case repays the loan comfortably, reduce project cost or size, improve the self-consumption plan, or wait for verifiable inputs instead of converting uncertainty into a guaranteed savings claim.