Union Bank of India Home Loan in Rajasthan.

Quick answer: Union Bank of India home loan rate in Rajasthan: 8.5-10.5% (typical 8.75%). Average Rajasthan home loan ticket: ₹21.00 L. State stamp duty: 6% (~₹1.26 L extra). Typical EMI on a 20-year loan: ₹18,558/month.

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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

📍 Union Bank of India in Rajasthan

Union Bank of India's Rajasthan positioning.

Union Bank of India runs around 320 branches across Rajasthan, with strong presence in Jaipur, Jodhpur, Udaipur, Ajmer, Kota and Bikaner. The bank serves Rajasthan government employees, RIICO industrial-area businesses and Kota coaching-faculty self-employed segment. JDA-approved Mansarovar, Pratap Nagar and Jagatpura properties around Rs 22-30 lakh form the bulk of new disbursals.

Union Bank of India branches in Rajasthan

320+

Rajasthan stamp duty

of property value

Avg loan ticket

₹21.00 L

in Rajasthan

💡 Why this combination is interesting

Rajasthan offers a 1 percent stamp duty concession for women buyers, bringing effective rate from 6 to 5 percent. Union Bank stacks this with its own 5 bps rate concession on female primary applicants under Union Awas scheme. On a Rs 25 lakh Jaipur flat with woman as first owner, the combined upfront saving is Rs 25,000 and the EMI saving over 20 years is approximately Rs 18,500. The bank''s Kota presence is differentiated — it accepts coaching faculty self-employment income with three-year ITR averaging, helping seasonal earners with January-June peak income qualify for stable EMI commitments.

🧾 Rajasthan tax context

How Rajasthan taxes affect your Union Bank of India 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

Union Bank of India in Rajasthan — common questions.

What is the EMI on a Rs 21 lakh Union Bank Rajasthan home loan at 8.45 percent for 20 years?

A Rs 21 lakh Union Awas Home Loan at 8.45 percent over 240 months gives an EMI of approximately Rs 18,135. Total interest paid is Rs 22.52 lakh, with total outgo of Rs 43.52 lakh. Jaipur salaried borrowers earning Rs 42,000+ monthly qualify under the 50 percent FOIR check.

How much do women buyers save on stamp duty for a Rs 25 lakh Jaipur flat?

Rajasthan charges 6 percent stamp duty for men and 5 percent for women buyers, a 1 percent saving. On a Rs 25 lakh Jaipur Mansarovar flat registered with wife as first owner, the saving is Rs 25,000. Combined with Union Bank's 5 bps rate concession for women on Union Awas, the total benefit over a 20-year Rs 21 lakh loan is approximately Rs 43,500.

Can Kota coaching faculty apply for Union Awas Home Loan?

Yes, Union Bank accepts self-employed Kota coaching faculty with three years of ITRs filed and a stable institute association letter. The bank uses three-year average net profit to compute eligible EMI, capped at 50 percent of average monthly income. A faculty with Rs 12 lakh average annual income qualifies for approximately Rs 28-32 lakh over 20 years, with EMI around Rs 27,000.

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