Enter your meter reading and get an instant, state-wise electricity bill estimate for FY 2025-26.
Free electricity bill calculator covering every major Indian DISCOM — TNEB, BESCOM, MSEDCL, KSEB, UPPCL and more. Enter your meter reading and get an FY 2025-26 slab-wise estimate instantly.
Work out your electricity bill from your meter units for Tata Power, MSEB, BESCOM, BSES, and every other major DISCOM in India. Enter your current and previous meter readings and get an estimate built on real, state-wise slab rates for FY 2025-26, not a rough national average.
This electricity bill calculator uses official FY 2025-26 tariff data published by State Electricity Regulatory Commissions (SERCs) and DISCOMs across the country. It applies slab pricing, fixed charges, and state subsidies, so what you get is close to what your DISCOM would actually bill you, not a guess based on a flat per-unit rate. If you're also tracking where this fits into your monthly budget, the salary tax calculator is a natural next stop.
Most people try to work out their electricity bill by multiplying units consumed by a flat rate per unit, and the number always comes in lower than the real bill. That's because Indian electricity billing has more moving parts than one multiplication. SERCs set the tariffs, DISCOMs implement them, and the final number depends on consumption slabs, subsidies, fixed charges, fuel surcharges, and rules that differ from state to state.
This tool closes that gap. It works from official FY 2025-26 tariff orders to show you what you owe, how each slab is priced, and where the extra charges actually come from. Treat it as a power bill estimator you can use to sanity-check your DISCOM's bill or plan a monthly budget, not as a substitute for the official bill itself. If a raise this year changed your monthly numbers, the salary increment calculator helps you see how much headroom that leaves for bills like this one.
Every state has a SERC, an independent body that decides what distribution companies are allowed to charge. When a DISCOM wants to change its rates, it files a petition with the state SERC, which reviews generation costs and consumer interests before issuing a tariff order. That order is the legally binding rate your DISCOM has to follow. The Central Electricity Regulatory Commission (CERC) handles interstate power and wholesale rates, while the state SERCs set the retail rates that show up on your monthly bill.
Someone in Tamil Nadu pays a different rate than someone in Maharashtra, and that's not arbitrary. States differ in generation cost (hydro-heavy states like Himachal Pradesh generate cheaper power than coal-dependent ones), distribution losses, subsidy policy, and infrastructure spend. Each SERC bakes all of that into its tariff order, which is why there's no single "India electricity tariff" you can apply everywhere.
A typical bill includes several pieces stacked on top of each other:
Most major states use a slab, or progressive, tariff system. Different consumption ranges get charged at different rates, and the higher rate only applies to the units inside that bracket, not your whole bill. It's meant to keep power affordable for low-consumption households while nudging heavier users toward conservation.
A worked example. Say your state's domestic tariff looks like this:
If you use 250 units in a month:
(100 × ₹3) + (100 × ₹5) + (50 × ₹7) = ₹1,150.
Notice you only pay ₹7 for the 50 units that fall in that top slab, not for all 250. Get this one concept and most of the confusion around your bill disappears.
Not every state uses slabs. Some run flat-rate systems where everyone pays the same per-unit rate, and a few use hybrid models: free or subsidised units up to a threshold, then slabs on top. Your state SERC's latest tariff order is the source of truth for which model applies to you.
India has more than 50 DISCOMs spread across 28 states and 8 union territories, and the fixed charges, subsidy rules, and slab structures genuinely differ between them. Here's a quick look at a few major states. Pick your state in the calculator above for the exact numbers.
Tamil Nadu's domestic subsidy is genuinely generous. For FY 2025-26, the first 100 units are free for domestic connections. After that: 101-400 units at ₹4.70/unit, 401-500 at ₹6.30/unit, 501-600 at ₹8.40/unit, and anything above 600 at ₹9.45/unit, on a bi-monthly billing cycle.
If your billing period runs under 35 days, TANGEDCO switches to monthly slab rates instead, which trips up a lot of people who assume the bi-monthly numbers always apply. Rates are set by TNERC and reflect the tariff order effective July 2024, updated July 2025. Running a shop? Use the commercial option in this calculator, since commercial connections carry load-based fixed charges on top. Payments go through TANGEDCO's official site or its mobile app.
Karnataka splits distribution across five companies under KERC: BESCOM, CESC, GESCOM, HESCOM, and MESCOM. BESCOM covers Bengaluru Urban, Bengaluru Rural, Chikkaballapur, Kolar, Tumkur, Davanagere, Chitradurga, and Ramanagara. For FY 2025-26, the LT-1 residential rate sits around ₹5.90/unit, with a fixed charge of ₹120/kW plus a 36-paise surcharge added from April 2025.
The Gruha Jyothi scheme gives up to 200 free units a month to eligible households, and over 1.72 crore families are already registered. Cross 200 units in any given month, though, and you pay the full bill for that entire month, not just the extra units, which catches people off guard. Registration happens through the Seva Sindhu portal, and rates come from KERC.
Outside Mumbai, MSEDCL (also called Mahavitaran) handles distribution, with rates for FY 2025-26 following a progressive slab structure. Urban residential rates start around ₹4.43/unit for the first 100 units and climb from there. Mumbai itself is served by Tata Power, Adani Electricity, and BEST, each with its own rate card, all under MERC.
KSEB tariffs for FY 2025-26 are regulated by KERC. Kerala also runs a solar net-metering scheme, so if you've got rooftop panels, it's worth factoring that into your calculation separately. Official tariffs and bill payment are on kseb.in.
UP splits its distribution across five DISCOMs: PVVNL, MVVNL, PuVVNL, DVVNL, and KESCO. The domestic tariff for FY 2025-26 is slab-based and set by UPERC, with fixed and energy charges both varying by consumer category. Check UPERC's site for the current schedule.
WBSEDCL covers consumers outside Kolkata with a progressive slab system that runs moderate compared to national averages. Kolkata itself is served by CESC, under a separate tariff regulated by WBERC.
Gujarat runs four geography-based DISCOMs, each with a slightly different FY 2025-26 tariff, all under GERC. Select your specific Gujarat DISCOM in the calculator above for accurate numbers.
| Tariff Type | How It Works | Where It's Used |
|---|---|---|
| Slab-based (progressive) | Different rates for different consumption bands; higher usage only pays the higher rate on units within that band | Maharashtra, Tamil Nadu, Karnataka, Delhi, UP, most major states |
| Flat-rate (uniform) | One rate per unit regardless of consumption; simple, but doesn't reward lower usage | Some rural areas, small towns, certain DISCOM zones |
| Mixed / hybrid | Free or subsidised units up to a threshold, slabs apply above it | Tamil Nadu, Delhi, Karnataka (Gruha Jyothi), Andhra Pradesh |
| Load-based fixed charges | Fixed charges scale with your sanctioned load in kW or HP, not just per connection | Karnataka, Maharashtra, most states for commercial/industrial |
| Time-of-Use (smart meters) | Different rates for peak versus off-peak hours | Pilot programs in Delhi and Mumbai, expanding nationally |
It follows the same logic your DISCOM uses:
All of this runs on your device. Your meter readings never leave your browser.
This tool uses real tariff data from SERCs and DISCOMs, not averages. But a few charges tend to show up on the real bill that a base tariff calculation doesn't always capture:
Track your consumption every month. Note your meter reading on the same date each cycle. A jump from 200 to 400 units month over month usually means something's wrong, a faulty appliance, a meter issue, or a real seasonal spike, and catching it early saves you from an unpleasant surprise later.
Switch to LED lighting. A 60-watt incandescent bulb burns 60 watts an hour; a 9 to 10-watt LED gives the same light for a sixth of the power. At six hours a day, each swapped bulb saves roughly 3 to 4 units a month. Ten bulbs, and you're saving 30 to 40 units a month, enough to notice at the end of the cycle.
Get your AC temperature right. Every degree you drop below 24°C adds roughly 4 to 6% to your AC's consumption. Running it at 24 to 26°C instead of 18°C can cut AC-related energy use by 15 to 20%. Pair it with a ceiling fan, keep doors and windows shut, and clean the air filter at least once a year, since a clogged filter makes the compressor work harder and quietly pushes your bill up.
Run appliances at full load. Washing machines and dishwashers use roughly the same power whether half-full or full, so always run full loads. Defrost your fridge regularly, since ice buildup makes the compressor work overtime. Unplug chargers and standby electronics too, since phantom load from idle devices can add 5 to 10 units a month without you noticing.
Replace old appliances. A 10 to 15-year-old AC can use 20 to 30% more power than a new 5-star model, and the replacement cost is usually recovered within 2 to 3 years through lower bills. An older fridge can use 2 to 3 times more electricity than a current BEE 5-star model. Check ratings on the BEE star label portal before buying.
Check whether a subsidy applies to you. Many states subsidise BPL households, senior citizens, farmers, or women-headed households. Karnataka's Gruha Jyothi gives 200 free units a month; Tamil Nadu gives the first 100 free for domestic consumers; Delhi has offered zero-bill incentives under 200 units. A subsidy you qualify for might already be applied, or might need a separate application, so it's worth checking your DISCOM's site directly.
Actually read your bill before paying. Two minutes is enough: check the meter reading matches your meter, make sure the units consumed look reasonable next to last month, and scan for line items you don't recognise. Most billing errors, a mistyped reading, the wrong consumer category, a missed subsidy, are simple and quick to dispute once you spot them.
Watch your slab boundary. If you tend to land around 195 to 205 units a month, a small cut in usage can drop you into the lower slab and reduce the rate on your entire bracket. Run the numbers at 180 versus 210 units through the calculator above. The gap is often bigger than people expect. If extra income from overtime is part of how you cover months with a higher bill, the overtime salary calculator is worth a look too.
If you've got a smart meter, readings go to your DISCOM automatically, but you can still check consumption on the meter's display or your DISCOM's app. Sub-metered setups, common in rented flats or commercial buildings with a shared main meter, use the exact same subtraction, just starting from the sub-meter's readings instead of the main one.
Air conditioning drives 40 to 50% of the monthly bill in homes that run it regularly, making it the single biggest factor for most people. Here's the quick math behind it:
Formula: AC power (kW) × hours of daily use × days in the month = units consumed by the AC.
A 1.5-ton split AC typically draws 1.3 to 1.5 kW depending on its star rating. Run it 8 hours a day for 30 days: 1.5 kW × 8 hours × 30 days = 360 units a month, just from the AC. At ₹7/unit, that's ₹2,520 from cooling alone.
A 5-star 1-ton AC uses roughly 20 to 25% less electricity than a 3-star 1.5-ton unit for similar cooling. For a fuller appliance-by-appliance breakdown, the unit consumption feature in this tool covers that too.
The "unit" on your bill is a kilowatt-hour (kWh), the energy a 1,000-watt device uses in exactly one hour. A few quick reference points:
Rates by state. Tamil Nadu gives the first 100 units free. Karnataka's urban residential rate runs around ₹5.90/unit. Maharashtra's MSEDCL starts near ₹4.43/unit and rises with consumption, which is exactly why your own state's tariff, not a national figure, is what makes any electricity bill calculation accurate.
The rates behind this calculator come straight from SERCs and DISCOMs and reflect official FY 2025-26 orders. They get updated here when a SERC publishes a new annual tariff order (usually at the start of the fiscal year in April), a DISCOM announces an approved mid-year change, or a state notifies a new subsidy scheme.
Want to verify the numbers yourself? Go to your state SERC's website and download the latest "Tariff Order" PDF for the current fiscal year. It'll have a "Schedule of Charges" table you can compare directly against what this tool uses for your state.
Disclaimer: This calculator is an informational tool only and isn't affiliated with any DISCOM or government agency. For your actual bill, go by the official statement from your DISCOM. For tariff details, check your state's SERC website or DISCOM office. Tariff data reflects FY 2025-26.
This tool covers energy charges, fixed charges, and applicable subsidies. Your real DISCOM bill usually adds electricity duty (4 to 10%), fuel adjustment charges, surcharges, and any late payment penalty on top. Ask your DISCOM for an itemised breakdown if you want to see exactly where the gap comes from.
Different consumption ranges get charged at different rates, so the first 100 units might cost ₹3/unit, the next 100 ₹5/unit, and anything past that ₹7/unit, with only the units inside each band billed at that band's rate. It keeps power affordable for low-usage households while making heavier consumers pay more per unit, which helps fund grid infrastructure and encourages conservation.
Yes, wherever your state's published tariff includes one for your category and consumption level. Tamil Nadu's free first 100 domestic units, for example, gets applied automatically when you select TN and Domestic. Compare the total with the "without subsidy" mode if you want to see exactly how much you're saving, and check your state SERC's tariff order to confirm what applies to your category.
A few common reasons: a different meter category (commercial versus domestic), different subsidy eligibility, a different sanctioned load affecting fixed charges, a different tariff zone or DISCOM, or a different billing cycle. Two flats in the same building can get genuinely different bills if one is registered domestic and the other commercial.
Fixed charges cover the cost of maintaining your meter, the lines running to your home, billing systems, and customer support, costs that exist whether you use 5 units or 500. Think of it as the access fee for being connected to the grid at all.
Subtract your previous reading from your current one to get units consumed. Enter that figure into the calculator above along with your state, meter category, and billing period, and it applies the correct slabs and fixed charges, the same formula your DISCOM runs internally.
Start by checking your meter reading against what's printed on the bill, then run the same numbers through this calculator to see what you'd expect. If there's a large, unexplained gap, contact your DISCOM's customer service and ask for an investigation or a meter test. If that doesn't resolve it, you can file a complaint with your state's Consumer Grievance Redressal Forum (CGRF), set up under the Electricity Act, 2003. This DISCOM complaint and CGRF guide walks through the process step by step.
Yes. LED bulbs alone save 75 to 85% of lighting energy. Running your AC at 24 to 26°C instead of lower saves 15 to 20% on cooling. Full-load appliance use, regular fridge defrosting, and unplugging standby devices all add up. If you're in Karnataka, register for Gruha Jyothi; in Tamil Nadu, confirm your first-100-units subsidy is actually being applied. If your income varies month to month, the attendance percentage calculator can help you keep track of how that affects the budget you have for bills like this one. Small habits compound into a real difference over a year.
Calculations verified by our team including CA Anita Patil. View our full accuracy policy and meet the team →
For informational purposes only. Results are estimates based on the inputs you provide and the rules in effect for the period shown, and are not tax, legal or financial advice. Verify figures against the relevant official source and consult a qualified professional before acting on them. Accuracy & limitations
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