Dear Shyam,
I am not familiar with the values that RETScreen reports. Be careful with the units and make sure you are comparing equivalent values. For example are you comparing total monthly values to average daily values by month?
Also, check the azimuth angle convention: For SAM 180 degrees is due south, regardless of the hemisphere. Some models use zero degrees as due south in the Northern hemisphere and due North in the Southern hemisphere.
Best regards,
Paul.