🏰 Jhansi 📍 Uttar Pradesh HRA tiernon-metro Updated2026-05-17

Jhansi Home Loan EMI Calculator 🏰

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Quick answer (Jhansi)

Typical Jhansi home loan: ₹28.00 L at 8.75% over 20 years = ₹24,744/month EMI. Total interest ₹31.39 L. Uttar Pradesh stamp duty: 7% + 1% registration = ~₹2.24 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.

🏰 Jhansi home loan landscape

Home loans in Jhansi.

Typical ticket

₹28.00 L

mid-segment 2026

Typical rate

8.75%

prime borrower repo-linked

Stamp duty

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

Market overview

Jhansi flats trade at Rs 3,500-5,800 per sq ft, with Civil Lines and Cantonment-adjacent Sipri Bazaar at the top end driven by Army and Railway officer demand. BHEL Jhansi township and the Railway colony anchor salaried lending. The city is Bundelkhand's commercial HQ and prices a clear 15-20% above Banda and Lalitpur. Supply is split between PSU-employee gated colonies and private mid-rise launches on the Gwalior Road belt.

What makes Jhansi distinct

Jhansi is one of UP's strongest defence-and-railway employee lending markets because the Cantonment, BHEL township, and NCR Railway zone HQ together generate one of the Tier-2 belt's largest concentrations of central-government salaried profiles. Defence and Railway employees get the sharpest rate concessions here.

🏘️ Top micromarkets

Popular residential zones in Jhansi.

Civil Lines

Cantonment

Sipri Bazaar

Nagra

Shivaji Nagar

Bijoli

Bhojla

Gwalior Road

🏦 Top lenders

Banks dominating Jhansi home loans.

SBI: defence salary package and Railway concessional rates

Bank of Baroda: deep BHEL and OFB payroll relationships

HDFC: strongest private-sector and self-employed pricing

PNB: aggressive plot loan and self-construction in Bijoli/Nagra

Top employers driving pre-approved home loan flows: Indian Army Jhansi Cantonment, Indian Railways NCR Zone Jhansi Division, BHEL Jhansi, Bundelkhand University, Maharani Laxmibai Medical College, Parichha Thermal Power Station.

🧮 Worked example

₹28.00 L home loan in Jhansi at 8.75% over 20 years

Loan amount

₹28.00 L

Annual interest rate

8.75%

Term

20 years (240 months)

Monthly EMI

₹24,744

Total interest paid

₹31.39 L

Total paid (principal + interest)

₹59.39 L

+ Stamp duty & registration (8%)

₹2.24 L (women: ₹1.96 L)

❓ FAQ

Jhansi home loan questions.

EMI on a Rs 28 lakh home loan in Jhansi at 8.75% for 20 years? ▾

EMI comes to roughly Rs 24,744 per month. Total interest over 20 years is Rs 31.39 lakh, with total outflow of Rs 59.39 lakh.

Lowest home loan rate in Jhansi? ▾

SBI Defence Salary Package offers 8.40% for serving Army officers; BHEL and Railway employees get 8.50% at SBI and BoB. Private salaried profiles see 8.75-8.95%.