🕌 Ajmer 📍 Rajasthan HRA tiernon-metro Updated2026-05-17

Ajmer Home Loan EMI Calculator 🕌

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Quick answer (Ajmer)

Typical Ajmer home loan: ₹26.00 L at 8.75% over 20 years = ₹22,976/month EMI. Total interest ₹29.14 L. Rajasthan stamp duty: 5% + 1% registration = ~₹1.56 L extra.

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Mortgage Calculator

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$2,496

PITI

Principal + Interest

$1,996

58% goes to interest

Total Interest

$418,527

over 30 years

Monthly Breakdown

Principal & Interest$1,996

Property Tax (1.1%/yr)$344

Homeowner's Insurance (0.5%/yr)$156

Total Monthly$2,496

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

🕌 Ajmer home loan landscape

Home loans in Ajmer.

Typical ticket

₹26.00 L

mid-segment 2026

Typical rate

8.75%

prime borrower repo-linked

Stamp duty

5% duty + 1% reg (1% women off)

Market overview

Ajmer apartment pricing ranges Rs 4,000-6,500 per sq ft with Civil Lines and Vaishali Nagar anchoring premium railway-division and Mayo College faculty supply, while Panchsheel Nagar and Adarsh Nagar serve middle-income government employees. The Pushkar Road corridor commands seasonal pilgrim-economy demand. Pricing sits 25-30% below Jaipur and aligned with Bikaner. Supply is roughly 55% apartments, 45% plots and havelis with strong demand from RPSC aspirants' families.

What makes Ajmer distinct

Ajmer hosts both the globally significant Dargah Sharif of Khwaja Moinuddin Chishti (drawing millions of pilgrims annually) and Mayo College, India's oldest princely boarding school, plus serves as the RPSC headquarters and a major Indian Railways divisional HQ — an unusual mix of pilgrimage economy, elite education and PSU railway employment that produces a highly diverse borrower base.

🏘️ Top micromarkets

Popular residential zones in Ajmer.

Civil Lines

Vaishali Nagar

Panchsheel Nagar

Kotra

Adarsh Nagar

Pushkar Road

Jaipur Road

Foy Sagar Road

🏦 Top lenders

Banks dominating Ajmer home loans.

State Bank of India: dominant on Indian Railways and BSF payroll tie-ups

Bank of Baroda: strong on Civil Lines premium apartments and Mayo College staff

HDFC Ltd: competitive for JLN Medical College doctor borrowers and premium files

Punjab National Bank: preferred by central government and AVVNL employees

LIC Housing Finance: aggressive for self-employed Dargah khadim and pilgrimage-economy traders

Top employers driving pre-approved home loan flows: Mayo College, Ajmer Dargah Sharif Khadims and Trust, Central Board of Secondary Education (CBSE) Regional Office, Maharshi Dayanand Saraswati University, Jawaharlal Nehru Medical College (JLN), Ajmer Vidyut Vitran Nigam (AVVNL).

🧮 Worked example

₹26.00 L home loan in Ajmer at 8.75% over 20 years

Loan amount

₹26.00 L

Annual interest rate

8.75%

Term

20 years (240 months)

Monthly EMI

₹22,976

Total interest paid

₹29.14 L

Total paid (principal + interest)

₹55.14 L

+ Stamp duty & registration (6%)

₹1.56 L (women: ₹1.30 L)

❓ FAQ

Ajmer home loan questions.

What is the EMI on a Rs 26 lakh home loan in Ajmer at 8.75% for 20 years? ▾

At 8.75% p.a. over 20 years, the EMI on Rs 26,00,000 works out to approximately Rs 22,975 per month. Total interest paid is around Rs 29.14 lakh, taking the total outflow to roughly Rs 55.14 lakh.

Which bank offers the lowest home loan rate in Ajmer? ▾

SBI typically leads at 8.50-8.65% for Indian Railways and BSF salaried borrowers. PNB and Bank of Baroda sit at 8.55-8.70%, HDFC at 8.65-8.85% for premium Civil Lines flats, and LIC Housing at 8.80-9.30% for self-employed pilgrimage and khadim trader files.

Can I include stamp duty in my Ajmer home loan? ▾

No, Rajasthan's 5% stamp + 1% registration (6% total, or 5% effective for women buyers thanks to the 1% women discount) is paid upfront. On a Rs 35 lakh Vaishali Nagar apartment, that's Rs 1.75-2.1 lakh out of pocket depending on buyer gender.