🌹 Jaunpur 📍 Uttar Pradesh HRA tiernon-metro Updated2026-05-17

Jaunpur Home Loan EMI Calculator 🌹

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Quick answer (Jaunpur)

Typical Jaunpur home loan: ₹20.00 L at 8.85% over 20 years = ₹17,802/month EMI. Total interest ₹22.72 L. Uttar Pradesh stamp duty: 7% + 1% registration = ~₹1.60 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.

🌹 Jaunpur home loan landscape

Home loans in Jaunpur.

Typical ticket

₹20.00 L

mid-segment 2026

Typical rate

8.85%

prime borrower repo-linked

Stamp duty

7% duty + 1% reg (1% women off)

Market overview

Jaunpur trades at Rs 2,400-4,200 per sq ft with Civil Lines, Olandganj, and Shahganj Road premium pockets. The economy combines the historic attar/perfume cluster (one of India's oldest), Veer Bahadur Singh Purvanchal University, and Gulf-NRI remittance demand which is unusually strong for an Eastern UP city. Pricing is 20% below Varanasi and on par with Azamgarh. Supply is plot-dominated with low gated penetration.

What makes Jaunpur distinct

Jaunpur is one of UP's top three Gulf-remittance districts, which creates an outsized NRI home-loan and self-construction demand pool typically associated with Kerala or Punjab. Lenders here actively underwrite NRI income with FEMA documentation, atypical for a Tier-3 Eastern UP city.

🏘️ Top micromarkets

Popular residential zones in Jaunpur.

Civil Lines

Olandganj

Shahganj Road

Sipah

Khetasarai

Badlapur Road

Mariahu Road

Atala

🏦 Top lenders

Banks dominating Jaunpur home loans.

SBI NRI: dominant for Gulf-remittance home loans

PNB: deepest local branch network for plot loans

HDFC NRI: aggressive on Civil Lines flats for Gulf-based buyers

BoB: strong on self-construction and university faculty

Top employers driving pre-approved home loan flows: Veer Bahadur Singh Purvanchal University, Indian Railways Jaunpur Junction, Jaunpur Attar and Perfume Cluster, TD College Jaunpur, District Hospital Jaunpur, NTPC Tanda (recruiter).

🧮 Worked example

₹20.00 L home loan in Jaunpur 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 (8%)

₹1.60 L (women: ₹1.40 L)

❓ FAQ

Jaunpur home loan questions.

EMI on a Rs 20 lakh home loan in Jaunpur at 8.85% for 20 years? ▾

EMI is approximately Rs 17,797 per month. Total interest Rs 22.71 lakh, total outflow Rs 42.71 lakh.

Can a Gulf NRI get a home loan in Jaunpur? ▾

Yes - SBI NRI, HDFC NRI, and ICICI NRI offer 8.75-9.00% home loans against Gulf salary slips and FEMA-compliant remittance accounts. POA is required for documentation.