Punjab National Bank Home Loan in Rajasthan.

Quick answer: Punjab National Bank home loan rate in Rajasthan: 8.45-10.25% (typical 8.65%). Average Rajasthan home loan ticket: ₹27.00 L. State stamp duty: 5% (~₹1.35 L extra). Typical EMI on a 20-year loan: ₹23,688/month.

🇮🇳

EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📍 Punjab National Bank in Rajasthan

Punjab National Bank's Rajasthan positioning.

PNB operates 645+ Rajasthan branches with Jaipur MI Road Zonal Office anchoring, plus Jodhpur, Udaipur, Kota, Bikaner, and Ajmer. The bank serves Rajasthan state-government, central PSU (Indian Oil Mathura-Jaipur pipeline, ONGC), and central government employees (Indian Army Western Command Jaipur and Jodhpur cantonments).

Punjab National Bank branches in Rajasthan

645+

Rajasthan stamp duty

of property value

Avg loan ticket

₹27.00 L

in Rajasthan

💡 Why this combination is interesting

PNB's Rajasthan moat is the central PSU corridor (IOC pipeline, GAIL, ONGC) and central government employee salary base (Western Command Jaipur, BSF Jodhpur, Army Jodhpur cantonment). Rajasthan offers the most generous stamp duty stacking — 5% base, minus 1% women rebate (effective 4%) — and PNB's 8.40% women rate matches SBI for the lowest combined total cost in north India for female applicants. The bank actively targets Jaipur Mansarovar and Vaishali Nagar mid-segment buyers via balance-transfer from private banks.

🧾 Rajasthan tax context

How Rajasthan taxes affect your Punjab National Bank EMI.

Professional Tax (Rajasthan)

Rajasthan does NOT levy Professional Tax. Saves ₹2,500/year vs Maharashtra/Karnataka.

HRA tier (Section 10(13A))

Rajasthan Jaipur is HRA tier-2 non-metro: 40% of basic salary as HRA exemption. Lower than metros — limits HRA benefit despite local rent costs.

❓ FAQ

Punjab National Bank in Rajasthan — common questions.

Does PNB have a Defence Salary Package for Indian Army Jaipur Cantonment personnel?

Yes. PNB Jaipur MI Road and Bani Park branches run DSP desks for serving and retired Army, BSF, and Air Force personnel with 8.40% home loan rates, zero processing fee, and eligibility on net pay plus DA, MSP, and field allowances.

EMI on a 27 lakh PNB home loan in Jaipur for 20 years?

At 8.50% floating, 27 lakh over 240 months gives EMI of Rs 23,431, total interest Rs 29.24 lakh, total outflow Rs 56.24 lakh. Women applicant at 8.40% with Rajasthan's 1% stamp duty rebate gives combined lifetime saving above Rs 75,000.

Can sole female buyers in Jodhpur or Udaipur stack the PNB 8.40% rate with the Rajasthan stamp duty rebate?

Yes, both stack. Rajasthan drops stamp duty from 5% to 4% for sole female buyers (Rs 27,000 saving on a 27 lakh property), and PNB applies its 8.40% women rate. Combined lifetime saving exceeds Rs 80,000 on a 20-year loan.

🔗 Related