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🪖 Tezpur 📍 Assam HRA tiernon-metro Updated2026-05-17

Tezpur Home Loan EMI Calculator 🪖

Quick answer (Tezpur)

Typical Tezpur home loan: ₹19.00 L at 8.9% over 20 years = ₹16,973/month EMI. Total interest ₹21.74 L. Assam stamp duty: 5% + 1.5% registration = ~₹1.24 L extra.

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Mortgage Calculator

$
LTV 80% · No PMI ✓
$
%
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.
🪖 Tezpur home loan landscape

Home loans in Tezpur.

Typical ticket
₹19.00 L
mid-segment 2026
Typical rate
8.9%
prime borrower repo-linked
Stamp duty
6.5%
5% duty + 1.5% reg

Market overview

Tezpur pricing ranges Rs 2,800-5,200 per sq ft, with Napaam and Mission Chariali commanding premiums due to Tezpur University and military officer demand. Indian Army 4 Corps and IAF Salonibari station drive a steady defence-officer buyer base with predictable promotion-led upgrades. Supply mix is roughly 60% standalone houses and 40% mid-rise apartments.

What makes Tezpur distinct

Tezpur hosts the Indian Army 4 Corps headquarters, the formation responsible for the entire Arunachal frontier, creating an unusually deep defence officer buyer pool for a non-metro. Tezpur University and DRL Tezpur add an academic-scientific cadre rare in tier-3 Northeast.

🏘️ Top micromarkets

Popular residential zones in Tezpur.

Mission Chariali
Kacharigaon
Bihaguri
Dekargaon
Jenkins Road
Polo Field Area
Napaam
Salonibari
🏦 Top lenders

Banks dominating Tezpur home loans.

SBI: AGIF defence tie-up dominance

HDFC Bank: DSOP rebate rates for officers

PNB Housing: AFHQ borrower familiarity

Bank of Baroda: Tezpur University faculty payroll

Top employers driving pre-approved home loan flows: Indian Army 4 Corps HQ, Indian Air Force Tezpur, Tezpur University, LGB Regional Institute of Mental Health, Sonitpur District Administration, NF Railway Rangiya Division.
🧮 Worked example

₹19.00 L home loan in Tezpur at 8.9% over 20 years

Loan amount
₹19.00 L
Annual interest rate
8.9%
Term
20 years (240 months)
Monthly EMI
₹16,973
Total interest paid
₹21.74 L
Total paid (principal + interest)
₹40.74 L
+ Stamp duty & registration (6.5%)
₹1.24 L
❓ FAQ

Tezpur home loan questions.

EMI on Rs 19 lakh loan in Tezpur at 8.9% for 20 years?

EMI is approximately Rs 16,940 per month. Total interest over the 20-year tenure is around Rs 21.66 lakh, with total outflow of Rs 40.66 lakh.

Lowest home loan rate in Tezpur?

SBI under AGIF offers 8.30% to serving Army officers, HDFC matches at 8.35% under DSOP tie-up, and Bank of Baroda offers 8.50% for Tezpur University faculty.

Stamp duty math on a Rs 28 lakh Tezpur flat?

Assam levies 5% stamp duty plus 1.5% registration. On Rs 28 lakh that is Rs 1.40 lakh stamp duty plus Rs 42,000 registration, totaling Rs 1.82 lakh.