🧶 Bhilwara 📍 Rajasthan HRA tiernon-metro Updated2026-05-17

Bhilwara Home Loan EMI Calculator 🧶

⚡

Quick answer (Bhilwara)

Typical Bhilwara 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.

🏠

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.

🧶 Bhilwara home loan landscape

Home loans in Bhilwara.

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

Bhilwara apartment pricing ranges Rs 4,200-6,500 per sq ft with Shastri Nagar and Pratap Nagar anchoring premium textile-management supply, while RK Colony and Sanganer serve the dense weaver-and-trader middle segment. The Hindustan Zinc Rampura Agucha mine corridor pulls separate metallurgy-engineer demand. Pricing sits 25-30% below Udaipur and aligned with Kota Tier-2 zones. Supply is roughly 55% apartments, 45% bungalow plots with strong textile-trader holdings.

What makes Bhilwara distinct

Bhilwara is the textile capital of Rajasthan and India's largest synthetic suiting and worsted fabric cluster, anchored by the LNJ Bhilwara Group (RSWM, Maral Overseas) and Sangam India — creating an unusually concentrated textile-payroll borrower base. The Hindustan Zinc Rampura Agucha mine (the world's largest zinc deposit) adds a parallel Vedanta metallurgical-engineering segment.

🏘️ Top micromarkets

Popular residential zones in Bhilwara.

Shastri Nagar

Pratap Nagar

RK Colony

Sanganer (Bhilwara)

Industrial Area Phase 1-3

Ajmer Road

Chittor Road

Pur Road

🏦 Top lenders

Banks dominating Bhilwara home loans.

HDFC Ltd: dominant for LNJ Bhilwara, Sangam Group and Hindustan Zinc corporate management files

State Bank of India: strongest for Mahatma Gandhi Hospital, GMC and government employee tie-ups

Bank of Baroda: home-state PSU preferred by Industrial Area worker and small mill owner files

ICICI Bank: aggressive on Sangam/RSWM senior management and Shastri Nagar premium apartments

LIC Housing Finance: competitive for self-employed power loom and yarn trader ITR-based files

Top employers driving pre-approved home loan flows: LNJ Bhilwara Group (RSWM, Maral Overseas), Sangam India Limited (Sangam Group), Banswara Syntex, Nitin Spinners, Bhilwara Power Generation, Mewar University Chittorgarh-Bhilwara corridor.

🧮 Worked example

₹26.00 L home loan in Bhilwara 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

Bhilwara home loan questions.

What is the EMI on a Rs 26 lakh home loan in Bhilwara 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 Bhilwara? ▾

SBI and Bank of Baroda typically lead at 8.55-8.70% for government and Hindustan Zinc PSU files. HDFC sits at 8.60-8.75% for LNJ/Sangam textile corporate borrowers, ICICI at 8.65-8.80% for premium apartments, and LIC Housing at 8.80-9.35% for self-employed weaver and yarn trader files.

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

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