🌿 Khammam 📍 Telangana HRA tiernon-metro Updated2026-05-17

Khammam Home Loan EMI Calculator 🌿

⚡

Quick answer (Khammam)

Typical Khammam home loan: ₹28.00 L at 8.75% over 20 years = ₹24,744/month EMI. Total interest ₹31.39 L. Telangana stamp duty: 6% + 1% registration = ~₹1.96 L extra.

🏠

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.

🌿 Khammam home loan landscape

Home loans in Khammam.

Typical ticket

₹28.00 L

mid-segment 2026

Typical rate

8.75%

prime borrower repo-linked

Stamp duty

7%

6% duty + 1% reg (2% women off)

Market overview

Khammam flats trade at Rs 4,000-7,000 per sq ft with Wyra Road and Sardar Patel Nagar leading on Singareni Collieries adjacent demand and Medical College faculty. Khammam is the cotton trading capital of Telangana and the gateway to the Singareni-Kothagudem coal belt and Bhadrachalam ITC Paperboards (commute). Pricing is 25% below Warangal and on par with Karimnagar. Supply is mid-rise gated and plotted layouts toward Bhadrachalam Road.

What makes Khammam distinct

Khammam is the gateway to the Singareni-Kothagudem coalfields (India's only state-owned coal-mining PSU) and Bhadrachalam ITC Paperboards - one of India's largest paperboard mills. The cotton trading yard adds agribusiness depth, making this an unusual mix of coal-PSU, paper-industry, and cotton-APMC lending profiles.

🏘️ Top micromarkets

Popular residential zones in Khammam.

Wyra Road

Sardar Patel Nagar

Polepalli

Khanapuram Haveli

Mamillagudem

Bhadrachalam Road

Kothagudem Road

Hyderabad Road

🏦 Top lenders

Banks dominating Khammam home loans.

SBI: anchor for Singareni and Railway salaried

Union Bank: deep ITC Bhadrachalam payroll reach

Andhra Pragathi Grameena Bank: strong on cotton-trader LAP

HDFC: preferred for private salaried in Polepalli

Top employers driving pre-approved home loan flows: Singareni Collieries Company (SCCL) HQ adjacent, KTPS Kothagudem Thermal Power (commute), Kothagudem Heavy Water Plant (commute), Bhadrachalam Paper Boards (ITC), Government Medical College Khammam, Indian Railways Khammam.

🧮 Worked example

₹28.00 L home loan in Khammam 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 (7%)

₹1.96 L (women: ₹1.40 L)

❓ FAQ

Khammam home loan questions.

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

EMI is approximately Rs 24,744 per month. Total interest is Rs 31.39 lakh, total outflow Rs 59.39 lakh.

Best bank for Singareni Collieries employees? ▾

SBI offers 8.50% under its SCCL Corporate Salary Package; Union Bank matches at 8.55% with deep mining-PSU experience.

Stamp duty on a Rs 35 lakh property in Khammam for a woman buyer? ▾

Telangana men: 6% + 0.5% + 0.5% = 7% = Rs 2.45 lakh. Women: 4% + 0.5% + 0.5% = 5% = Rs 1.75 lakh. Women save Rs 70,000.

🌆 Other Indian cities

Home loan calculator for other cities.

~8.65% · ₹1.20 Cr avg

~8.5% · ₹78.00 L avg

~8.7% · ₹92.00 L avg

~8.65% · ₹65.00 L avg

~8.7% · ₹68.00 L avg

~8.6% · ₹65.00 L avg

~8.55% · ₹53.00 L avg

~8.65% · ₹55.00 L avg

~8.75% · ₹45.00 L avg

~8.7% · ₹35.00 L avg

~8.65% · ₹40.00 L avg

~8.6% · ₹40.00 L avg

~8.65% · ₹38.00 L avg

~8.6% · ₹45.00 L avg

~8.65% · ₹35.00 L avg

~8.55% · ₹40.00 L avg

~8.7% · ₹28.00 L avg

~8.65% · ₹32.00 L avg

~8.65% · ₹55.00 L avg

~8.65% · ₹35.00 L avg

~8.6% · ₹30.00 L avg

~8.55% · ₹35.00 L avg

~8.6% · ₹42.00 L avg

Pondicherry (Puducherry)

~8.65% · ₹35.00 L avg

~8.7% · ₹55.00 L avg

~8.65% · ₹35.00 L avg

~8.7% · ₹28.00 L avg

~8.7% · ₹32.00 L avg

~8.7% · ₹28.00 L avg

~8.7% · ₹30.00 L avg

~8.75% · ₹35.00 L avg

~8.7% · ₹25.00 L avg

~8.65% · ₹40.00 L avg

Thiruvananthapuram

~8.65% · ₹45.00 L avg

~8.7% · ₹35.00 L avg

~8.7% · ₹28.00 L avg

~8.7% · ₹38.00 L avg

~8.65% · ₹30.00 L avg

~8.7% · ₹25.00 L avg

~8.7% · ₹32.00 L avg

Chhatrapati Sambhaji Nagar

~8.65% · ₹35.00 L avg

~8.7% · ₹26.00 L avg

~8.7% · ₹35.00 L avg

~8.65% · ₹42.00 L avg

~8.7% · ₹35.00 L avg

~8.65% · ₹38.00 L avg

~8.7% · ₹35.00 L avg

~8.7% · ₹40.00 L avg

~8.7% · ₹30.00 L avg

~8.65% · ₹38.00 L avg

~8.7% · ₹28.00 L avg

~8.7% · ₹26.00 L avg

~8.7% · ₹28.00 L avg

~8.7% · ₹25.00 L avg

~8.7% · ₹25.00 L avg

~8.7% · ₹22.00 L avg

~8.7% · ₹25.00 L avg

Hubballi-Dharwad

~8.65% · ₹32.00 L avg

~8.65% · ₹30.00 L avg

~8.7% · ₹32.00 L avg

~8.65% · ₹35.00 L avg

Tiruchirappalli

~8.7% · ₹32.00 L avg

~8.75% · ₹30.00 L avg

~8.65% · ₹40.00 L avg

~8.7% · ₹38.00 L avg

~8.7% · ₹32.00 L avg

~8.6% · ₹42.00 L avg

~8.7% · ₹28.00 L avg

~8.75% · ₹28.00 L avg

~8.55% · ₹55.00 L avg

~8.5% · ₹65.00 L avg

~8.6% · ₹45.00 L avg

~8.85% · ₹25.00 L avg

~8.9% · ₹22.00 L avg

~8.9% · ₹22.00 L avg

~8.95% · ₹28.00 L avg

~8.9% · ₹35.00 L avg

~8.95% · ₹32.00 L avg

~9% · ₹25.00 L avg

~9% · ₹25.00 L avg

~8.9% · ₹22.00 L avg

~8.75% · ₹28.00 L avg

~8.7% · ₹35.00 L avg

~8.8% · ₹22.00 L avg

~8.85% · ₹20.00 L avg

~8.75% · ₹26.00 L avg

~8.8% · ₹24.00 L avg

~8.75% · ₹26.00 L avg

~8.8% · ₹23.00 L avg

~8.8% · ₹24.00 L avg

~8.85% · ₹20.00 L avg

~8.8% · ₹24.00 L avg

~8.75% · ₹32.00 L avg

~8.75% · ₹30.00 L avg

~8.65% · ₹50.00 L avg

~8.8% · ₹26.00 L avg

~8.75% · ₹30.00 L avg

~8.75% · ₹32.00 L avg

~8.8% · ₹24.00 L avg

~8.75% · ₹26.00 L avg

~8.8% · ₹22.00 L avg

~8.75% · ₹30.00 L avg

~8.75% · ₹26.00 L avg

~8.8% · ₹24.00 L avg

~8.8% · ₹22.00 L avg

~8.8% · ₹24.00 L avg

~8.75% · ₹25.00 L avg

~8.8% · ₹22.00 L avg

~8.75% · ₹28.00 L avg

~8.85% · ₹20.00 L avg

~8.8% · ₹23.00 L avg

~8.7% · ₹30.00 L avg

~8.75% · ₹28.00 L avg

~8.85% · ₹20.00 L avg

~8.7% · ₹32.00 L avg

~8.85% · ₹20.00 L avg

~8.9% · ₹18.00 L avg

~8.9% · ₹19.00 L avg

~8.75% · ₹28.00 L avg

~8.7% · ₹30.00 L avg

~8.7% · ₹32.00 L avg

~8.75% · ₹28.00 L avg

~8.7% · ₹30.00 L avg

~8.75% · ₹28.00 L avg

~8.65% · ₹35.00 L avg

~8.65% · ₹40.00 L avg

~8.8% · ₹25.00 L avg

~8.7% · ₹35.00 L avg

~8.7% · ₹32.00 L avg

~8.75% · ₹28.00 L avg

~8.7% · ₹32.00 L avg

~8.7% · ₹35.00 L avg

~8.7% · ₹30.00 L avg

~8.75% · ₹28.00 L avg

~8.75% · ₹28.00 L avg

~8.8% · ₹26.00 L avg

~8.7% · ₹30.00 L avg

~8.65% · ₹38.00 L avg

~8.7% · ₹30.00 L avg

~8.7% · ₹32.00 L avg

~8.75% · ₹28.00 L avg

~8.8% · ₹26.00 L avg

~8.7% · ₹32.00 L avg

~8.7% · ₹35.00 L avg

~8.75% · ₹35.00 L avg

~8.7% · ₹42.00 L avg

~8.7% · ₹38.00 L avg

~8.7% · ₹32.00 L avg

~8.7% · ₹30.00 L avg

~8.7% · ₹30.00 L avg

~8.7% · ₹32.00 L avg

~8.75% · ₹28.00 L avg

~8.75% · ₹28.00 L avg

~8.7% · ₹30.00 L avg

~8.75% · ₹24.00 L avg

~8.8% · ₹28.00 L avg

~8.75% · ₹26.00 L avg

~8.8% · ₹22.00 L avg

~8.75% · ₹28.00 L avg

~8.8% · ₹25.00 L avg

~8.75% · ₹27.00 L avg

~8.8% · ₹26.00 L avg

~8.7% · ₹32.00 L avg

~8.75% · ₹27.00 L avg

~8.65% · ₹45.00 L avg

~8.8% · ₹25.00 L avg

~8.8% · ₹23.00 L avg

~8.8% · ₹24.00 L avg

~8.85% · ₹35.00 L avg

~8.85% · ₹24.00 L avg

~8.9% · ₹28.00 L avg

~8.85% · ₹27.00 L avg

~8.8% · ₹22.00 L avg

~8.85% · ₹19.00 L avg

~8.75% · ₹26.00 L avg

~8.85% · ₹20.00 L avg

~8.8% · ₹21.00 L avg

~8.8% · ₹24.00 L avg

~8.75% · ₹28.00 L avg

~8.85% · ₹25.00 L avg

~8.85% · ₹20.00 L avg

~8.9% · ₹19.00 L avg

~8.9% · ₹20.00 L avg

~8.9% · ₹19.00 L avg

~8.9% · ₹18.00 L avg

~8.95% · ₹17.00 L avg

~8.85% · ₹22.00 L avg

~8.9% · ₹19.00 L avg

~8.9% · ₹20.00 L avg

~9.05% · ₹21.00 L avg

~9.05% · ₹20.00 L avg

~8.85% · ₹17.00 L avg

~8.9% · ₹16.00 L avg

~8.9% · ₹15.00 L avg

Lakhimpur Kheri

~8.95% · ₹14.00 L avg

~8.9% · ₹15.00 L avg

~8.9% · ₹17.00 L avg

~8.9% · ₹16.00 L avg

~8.95% · ₹14.00 L avg

~8.95% · ₹14.00 L avg

~8.9% · ₹18.00 L avg

~8.95% · ₹15.00 L avg

~8.95% · ₹16.00 L avg

~8.9% · ₹18.00 L avg

~8.9% · ₹19.00 L avg

~8.9% · ₹17.00 L avg

~8.95% · ₹14.00 L avg

~8.85% · ₹20.00 L avg

~8.8% · ₹19.00 L avg

~8.85% · ₹17.00 L avg

~8.8% · ₹20.00 L avg

~8.85% · ₹18.00 L avg

~8.8% · ₹19.00 L avg

~8.75% · ₹25.00 L avg

~8.8% · ₹22.00 L avg

~8.85% · ₹21.00 L avg

~8.9% · ₹18.00 L avg

~8.7% · ₹32.00 L avg

~8.8% · ₹24.00 L avg

~8.85% · ₹19.00 L avg

~8.9% · ₹19.00 L avg

~8.75% · ₹28.00 L avg

~8.8% · ₹24.00 L avg

~8.8% · ₹26.00 L avg

~8.8% · ₹22.00 L avg

~8.85% · ₹19.00 L avg

~8.85% · ₹20.00 L avg

~8.9% · ₹18.00 L avg

~8.85% · ₹22.00 L avg

North Lakhimpur

~8.95% · ₹17.00 L avg

~9% · ₹16.00 L avg

~8.85% · ₹20.00 L avg

~8.85% · ₹21.00 L avg

~8.75% · ₹24.00 L avg

~8.8% · ₹22.00 L avg

~8.85% · ₹20.00 L avg

~8.75% · ₹25.00 L avg

~8.8% · ₹26.00 L avg

~8.7% · ₹32.00 L avg

~8.85% · ₹19.00 L avg

~8.8% · ₹24.00 L avg

~8.9% · ₹18.00 L avg

~8.85% · ₹21.00 L avg

~8.9% · ₹19.00 L avg

~8.85% · ₹20.00 L avg

~8.8% · ₹23.00 L avg

~8.9% · ₹24.00 L avg

~8.85% · ₹28.00 L avg

~8.9% · ₹25.00 L avg

~8.85% · ₹19.00 L avg

~8.85% · ₹20.00 L avg

~8.85% · ₹21.00 L avg

~8.8% · ₹28.00 L avg

~8.8% · ₹23.00 L avg

~8.85% · ₹22.00 L avg

~8.9% · ₹20.00 L avg

~8.95% · ₹18.00 L avg

~8.95% · ₹16.00 L avg

~8.9% · ₹17.00 L avg

~8.95% · ₹15.50 L avg

~8.95% · ₹15.00 L avg

~8.9% · ₹18.50 L avg

~8.85% · ₹22.00 L avg

~8.95% · ₹18.00 L avg

~8.85% · ₹24.00 L avg

~8.9% · ₹23.00 L avg

~8.9% · ₹21.00 L avg

~8.9% · ₹20.00 L avg

~8.95% · ₹19.00 L avg

~8.95% · ₹20.00 L avg

~8.9% · ₹22.00 L avg

~8.9% · ₹23.00 L avg

~8.9% · ₹19.00 L avg

~8.9% · ₹20.00 L avg

~8.9% · ₹21.00 L avg

~8.85% · ₹24.00 L avg

~8.95% · ₹19.00 L avg

~8.9% · ₹22.00 L avg

~8.9% · ₹23.00 L avg

~8.95% · ₹17.00 L avg

~8.9% · ₹22.00 L avg

~8.95% · ₹19.00 L avg

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