Accurate estimation of solar power generation is crucial for the effective planning and operation of solar energy sector. Solar potential can be estimated at a location from long-term historical irradiance data processed from atmospheric reanalysis datasets. The current study employs a clear-sky radiative transfer model (6S) to simulate the net surface irradiance at four distinct locations in India, comparing our model's output with mean monthly ground-based measurements of surface irradiance. Our findings reveal that the 6S model marginally underestimates solar irradiance, with potential deviations varying depending on the accuracy of input data. This research evaluates the influence of particulate matter concentration and relative humidity on the scattering and absorption of solar radiation. We also state the variability in surface irradiance across the country with the rainfall trends that enhance assessment accuracy. The study reports an annual deviation of 10–15 % in surface irradiance across the country, where rural settlements show lower deviations in simulations. The radiative transfer calculations mentioned in the study are simplistic yet beneficial for a priori evaluation of solar potential. Transmittance estimated from clear-sky models is further implemented in all-sky (with clouds), and thus, model accuracy is an important parameter. Additionally, we explore the trends in aerosol concentrations and the impact of local climatological factors on surface irradiance, providing insights critical for optimizing solar energy utilization.