🧵 Dhule 📍 Maharashtra HRA tiernon-metro Updated2026-05-17

Dhule Home Loan EMI Calculator 🧵

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Quick answer (Dhule)

Typical Dhule home loan: ₹20.00 L at 8.85% over 20 years = ₹17,802/month EMI. Total interest ₹22.72 L. Maharashtra stamp duty: 6% + 1% registration = ~₹1.40 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.

🧵 Dhule home loan landscape

Home loans in Dhule.

Typical ticket

₹20.00 L

mid-segment 2026

Typical rate

8.85%

prime borrower repo-linked

Stamp duty

6% duty + 1% reg (1% women off)

Market overview

Dhule apartment pricing ranges Rs 3,200-5,000 per sq ft with Devpur and Deopur anchoring premium supply and Sakri Road serving middle-income textile-mill and SSVPS employee families. The Avdhan industrial belt creates blue-collar housing demand. Pricing sits 10-15% below Jalgaon and aligned with Nandurbar. Supply is roughly 50% apartments, 50% plots and independent houses, with absorption driven by Khandesh agrarian-trader families upgrading from villages.

What makes Dhule distinct

Dhule is the gateway to the Khandesh cotton-and-textile belt and a key node on the Mumbai-Agra highway, generating a distinct borrower mix of cotton ginning operators, textile mill workers and inter-state truck-fleet owners. SSVPS's sprawling education network (with engineering, pharmacy and medical colleges) anchors a steady academic-staff salaried base that no comparable Tier-3 city in north Maharashtra has.

🏘️ Top micromarkets

Popular residential zones in Dhule.

Devpur

Deopur

Sakri Road

Mohadi Road

Avdhan

Lalbag

Pimpalner Road

MIDC Dhule

🏦 Top lenders

Banks dominating Dhule home loans.

Bank of Maharashtra: largest network and preferred by SSVPS staff and government employees

SBI: strongest for central government, GMC Dhule and HPCL pipeline staff

Dhule DCC Bank: relationship-based for cotton ginning and Khandesh agri-trader segment

HDFC Ltd: selective on Devpur/Deopur premium apartments and professional loan files

LIC Housing Finance: aggressive for self-employed textile and ginning mill borrowers with ITR

Top employers driving pre-approved home loan flows: SSVPS Bhawasaheb Shikshan Prasarak Mandal, Dhule District Central Cooperative Bank, Kavayitri Bahinabai Chaudhari North Maharashtra University extension, Government Medical College Dhule, MIDC Dhule industrial cluster, Khandesh Mill Company.

🧮 Worked example

₹20.00 L home loan in Dhule at 8.85% over 20 years

Loan amount

₹20.00 L

Annual interest rate

8.85%

Term

20 years (240 months)

Monthly EMI

₹17,802

Total interest paid

₹22.72 L

Total paid (principal + interest)

₹42.72 L

+ Stamp duty & registration (7%)

₹1.40 L (women: ₹1.20 L)

❓ FAQ

Dhule home loan questions.

What is the EMI on a Rs 20 lakh home loan in Dhule at 8.85% for 20 years? ▾

At 8.85% p.a. over 20 years, the EMI on Rs 20,00,000 comes to approximately Rs 17,789 per month. Total interest is around Rs 22.69 lakh, making the total outflow roughly Rs 42.69 lakh.

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

SBI and Bank of Maharashtra typically lead at 8.55-8.70% for SSVPS, GMC and HPCL salaried borrowers. HDFC offers 8.70-8.85% for Devpur premium flats, while LIC Housing covers self-employed ginning mill and cotton trader files at 8.85-9.40%.

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

No, the 6% stamp + 1% registration (effective 6% for women buyers) is paid outside the loan. On a Rs 28 lakh property, plan Rs 1.68-1.96 lakh upfront. Dhule DCC Bank often pre-funds these costs via short-tenor personal loans secured against fixed deposits.