Firstly, you have to decide what the real problem is- your area’s power cut or electricity bill- according to which you will have to decide for your solar system.
If the power cut problem is more in your area, then use an off-grid solar system. This system basically has a solar panel, an inverter, and a battery. During power cuts, you can switch to the solar system and use the stored energy in the inverter.
On the other hand, if you are fed up with your high electricity bill, you can install an on-grid solar system. In an on-grid solar system, solar energy is directly used without it being stored. Hence, this helps you to manage your electricity bills well.
If you want the benefits of both, an off-grid and on-grid, you may use a hybrid solar system. It is a combination of both, an off-grid and on-grid solar system.