🛢️ Dibrugarh 📍 Assam HRA tiernon-metro Updated2026-05-17

Dibrugarh Home Loan EMI Calculator 🛢️

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Quick answer (Dibrugarh)

Typical Dibrugarh home loan: ₹22.00 L at 8.85% over 20 years = ₹19,582/month EMI. Total interest ₹25.00 L. Assam stamp duty: 5% + 1.5% registration = ~₹1.43 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.

🛢️ Dibrugarh home loan landscape

Home loans in Dibrugarh.

Typical ticket

₹22.00 L

mid-segment 2026

Typical rate

8.85%

prime borrower repo-linked

Stamp duty

6.5%

5% duty + 1.5% reg

Market overview

Dibrugarh pricing is among the highest in Upper Assam at Rs 3,500-6,500 per sq ft, driven by Oil India and ONGC senior staff demand. Mancotta Road and Jalan Nagar command premiums due to proximity to Duliajan corridors. Apartment supply has grown post-2018 with multiple G+5 projects from regional developers.

What makes Dibrugarh distinct

Dibrugarh is the only Indian city where Oil India Limited is headquartered, anchoring a uniquely PSU-engineer dominated buyer profile with Rs 18-25 lakh average ticket sizes. The historic tea industry adds a parallel inheritance-wealth buyer pool, with bungalow conversions being a niche but real submarket.

🏘️ Top micromarkets

Popular residential zones in Dibrugarh.

Mancotta Road

Chowkidinghee

Naliapool

Amolapatty

Graham Bazaar

Lahoal

Jalan Nagar

C R Building Area

🏦 Top lenders

Banks dominating Dibrugarh home loans.

SBI: Oil India and ONGC payroll dominance

HDFC Bank: faster processing for OIL contractor vendors

ICICI Bank: tea garden management cadre relationships

Assam Gramin Vikash Bank: rural-urban interface buyers

Top employers driving pre-approved home loan flows: Oil India Limited Duliajan, ONGC Assam Asset, Indian Oil Digboi Refinery, Numaligarh Refinery, Assam Medical College Dibrugarh, Dibrugarh University.

🧮 Worked example

₹22.00 L home loan in Dibrugarh at 8.85% over 20 years

Loan amount

₹22.00 L

Annual interest rate

8.85%

Term

20 years (240 months)

Monthly EMI

₹19,582

Total interest paid

₹25.00 L

Total paid (principal + interest)

₹47.00 L

+ Stamp duty & registration (6.5%)

₹1.43 L

❓ FAQ

Dibrugarh home loan questions.

EMI on Rs 22 lakh loan in Dibrugarh at 8.85% for 20 years? ▾

EMI is approximately Rs 19,580 per month. Total interest paid is about Rs 24.99 lakh over 20 years, with total outflow of Rs 46.99 lakh.

Lowest home loan rate in Dibrugarh? ▾

SBI offers 8.40% under the Oil India corporate tie-up, HDFC matches at 8.50% for OIL/ONGC profiles, and ICICI starts at 8.55% for the same cohort.

Stamp duty math on a Rs 35 lakh Dibrugarh flat? ▾

Assam charges 5% stamp duty plus 1.5% registration. On Rs 35 lakh that is Rs 1.75 lakh stamp duty plus Rs 52,500 registration, totaling Rs 2.275 lakh.