🛢️ Begusarai 📍 Bihar HRA tiernon-metro Updated2026-05-17

Begusarai Home Loan EMI Calculator 🛢️

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Quick answer (Begusarai)

Typical Begusarai home loan: ₹18.00 L at 8.9% over 20 years = ₹16,079/month EMI. Total interest ₹20.59 L. Bihar stamp duty: 6% + 2% registration = ~₹1.44 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.

🛢️ Begusarai home loan landscape

Home loans in Begusarai.

Typical ticket

₹18.00 L

mid-segment 2026

Typical rate

8.9%

prime borrower repo-linked

Stamp duty

6% duty + 2% reg

Market overview

Begusarai pricing is the highest in north Bihar at Rs 2,800-5,200 per sq ft, driven by Barauni refinery and NTPC township demand. IOCL Township and NTPC Township command premium positioning, while Pokharia and Bhagwanpur attract refinery contractor families. Supply has grown substantially with G+5 apartments since 2019.

What makes Begusarai distinct

Begusarai is Bihar's only true industrial PSU town, anchored by Barauni refinery (operational since 1964), NTPC thermal station, and HURL fertilizer plant. This concentration of PSU engineers, contractors, and skilled labor creates the most affluent salaried buyer base in north Bihar, with ticket sizes exceeding Patna averages in select pockets.

🏘️ Top micromarkets

Popular residential zones in Begusarai.

Pokharia

Bhagwanpur

Naya Tola

Civil Lines Begusarai

IOCL Township Barauni

NTPC Township Barauni

Teghra Road

Ulao Road

🏦 Top lenders

Banks dominating Begusarai home loans.

SBI: IOCL and NTPC corporate tie-up dominance

HDFC Bank: refinery contractor preference

PNB: long-standing Barauni branch presence

Bank of Baroda: railway and government payroll

Top employers driving pre-approved home loan flows: Indian Oil Barauni Refinery, NTPC Barauni Thermal Power Station, HURL Barauni Fertilizer, Bharat Wagon and Engineering, East Central Railway Barauni Junction, Begusarai District Administration.

🧮 Worked example

₹18.00 L home loan in Begusarai at 8.9% over 20 years

Loan amount

₹18.00 L

Annual interest rate

8.9%

Term

20 years (240 months)

Monthly EMI

₹16,079

Total interest paid

₹20.59 L

Total paid (principal + interest)

₹38.59 L

+ Stamp duty & registration (8%)

₹1.44 L

❓ FAQ

Begusarai home loan questions.

EMI on Rs 18 lakh loan in Begusarai at 8.9% for 20 years? ▾

EMI is approximately Rs 16,050 per month. Total interest paid is about Rs 20.52 lakh over 20 years, with total outflow of Rs 38.52 lakh.

Lowest home loan rate in Begusarai? ▾

SBI offers 8.40% under IOCL and NTPC corporate tie-ups, HDFC matches at 8.45% for the same cohort, and PNB offers 8.50% for refinery vendors.

Stamp duty math on a Rs 28 lakh Begusarai flat? ▾

Bihar charges 6% stamp duty plus 2% registration with no women rebate. On Rs 28 lakh that is Rs 1.68 lakh stamp duty plus Rs 56,000 registration, totaling Rs 2.24 lakh.