🏔️ Dehradun 📍 Uttarakhand HRA tiernon-metro Updated2026-05-17

Dehradun Home Loan EMI Calculator 🏔️

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Quick answer (Dehradun)

Typical Dehradun home loan: ₹35.00 L at 8.65% over 20 years = ₹30,707/month EMI. Total interest ₹38.70 L. Uttarakhand stamp duty: 5% + 2% registration = ~₹2.45 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.

🏔️ Dehradun home loan landscape

Home loans in Dehradun.

Typical ticket

₹35.00 L

mid-segment 2026

Typical rate

8.65%

prime borrower repo-linked

Stamp duty

5% duty + 2% reg (1% women off)

Market overview

Dehradun is Uttarakhand's capital and a popular hill-city retirement destination. Typical mid-segment apartment prices range from ₹22 lakh in outer zones to ₹1-2 crore in premium Rajpur Road / Mussoorie Road projects. Average mid-segment ticket is around ₹35 lakh. Uttarakhand's 5% stamp duty + 2% registration totals 7% (1% women discount). Strong defense services (IMA, Indian Army Northern Command nearby), retirees from Delhi-NCR, and ONGC employees driving demand.

What makes Dehradun distinct

Dehradun is uniquely positioned for Delhi-NCR retiree demand (popular hill-city retirement destination) plus Indian Military Academy and ONGC Dehradun employees. SBI dominates the defense services and ONGC employee segment via payroll integration. For Delhi-NCR-origin retiree buyers purchasing Dehradun second homes: HDFC and ICICI dominate via pan-India pre-approval portability. The Mussoorie tourism corridor drives premium home demand.

🏘️ Top micromarkets

Popular residential zones in Dehradun.

Rajpur Road / Mussoorie Road (premium)

Patel Nagar / Race Course

GMS Road / Sahastradhara Road

Vasant Vihar

IT Park / Sahastradhara Road

Clement Town

Dharampur

Selakui (industrial corridor)

🏦 Top lenders

Banks dominating Dehradun home loans.

SBI: dominant for IMA / Indian Army Northern Command + ONGC Dehradun + Uttarakhand government

PNB: deep Uttarakhand presence; strong central government employee pipeline

HDFC Bank: Delhi-NCR retiree segment via pan-India pre-approval portability

Bank of Baroda: solid mainstream Uttarakhand presence

Central Bank of India: Uttarakhand state coverage including hill districts

Top employers driving pre-approved home loan flows: Indian Military Academy (IMA), Forest Research Institute (FRI), Wildlife Institute of India, ONGC Dehradun (HQ for North India), Survey of India, Indian Institute of Petroleum.

🧮 Worked example

₹35.00 L home loan in Dehradun at 8.65% over 20 years

Loan amount

₹35.00 L

Annual interest rate

8.65%

Term

20 years (240 months)

Monthly EMI

₹30,707

Total interest paid

₹38.70 L

Total paid (principal + interest)

₹73.70 L

+ Stamp duty & registration (7%)

₹2.45 L (women: ₹2.10 L)

❓ FAQ

Dehradun home loan questions.

Dehradun home loan EMI for typical ₹35 lakh mid-segment apartment? ▾

A ₹35 lakh home loan at 8.65% over 20 years works out to ~₹30,700/month EMI. Total interest over the full term is approximately ₹39 lakh — total payment of ~₹74 lakh against the original ₹35 lakh principal. Combined with Uttarakhand's ~₹2.5 lakh upfront stamp duty + registration (women: ~₹2.1 lakh), the all-in cash requirement is moderate for a tier-2 hill-city.

Indian Military Academy Dehradun — best bank for defense employees? ▾

For Indian Military Academy (IMA) cadets becoming officers and serving officers posted at IMA Dehradun: SBI is the dominant lender due to decades of payroll integration with Indian Army. SBI Defence Salary Account offers preferential rates 5-15 bps below standard plus waived processing fees. PNB and BoB are also competitive for defense personnel. Standard 8.45-9.0% repo-linked rates with the defense salary account discount applied.

Dehradun second-home for Delhi-NCR retiree? ▾

For Delhi-NCR-origin retirees or near-retirement professionals purchasing Dehradun second homes: HDFC Bank and ICICI dominate via pan-India pre-approval portability. Mumbai/Delhi-NCR residents with HDFC/ICICI pre-approval can purchase Dehradun property without re-underwriting. Note: for second-home/investment purchase, LTV is capped at 70% (vs 80% for primary residence). Mussoorie Road and Rajpur Road premium projects are the most-popular Delhi-NCR retiree second-home zones.