🏞️ Udaipur 📍 Rajasthan HRA tiernon-metro Updated2026-05-17

Udaipur Home Loan EMI Calculator 🏞️

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Quick answer (Udaipur)

Typical Udaipur home loan: ₹40.00 L at 8.7% over 20 years = ₹35,221/month EMI. Total interest ₹44.53 L. Rajasthan stamp duty: 6% + 1% registration = ~₹2.80 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.

🏞️ Udaipur home loan landscape

Home loans in Udaipur.

Typical ticket

₹40.00 L

mid-segment 2026

Typical rate

8.7%

prime borrower repo-linked

Stamp duty

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

Market overview

Udaipur is Rajasthan's luxury tourism and jewelry-export capital with a unique luxury-second-home market layered on top of its local economy. Premium lakeside areas around Fatehpura and Sukhadia Circle command ₹8,000-15,000/sqft, while developing Bhuwana and Bedla corridors sit at ₹4,500-6,500/sqft. Hindustan Zinc (Zawar/Debari operations) anchors the local salaried economy, and IIM Udaipur has added a faculty-housing demand layer.

What makes Udaipur distinct

Udaipur's home loan market is unusual for having a meaningful luxury-second-home segment — Mumbai, Delhi, and Ahmedabad buyers picking up lakeside or hilltop properties as weekend/holiday homes. Lenders treat these as "second-home loans" with slightly tighter LTV (70-75%) but they're a profitable segment HDFC, ICICI, and Axis have all built dedicated desks for. Local Mewar-region jewelry exporters form the other distinctive segment.

🏘️ Top micromarkets

Popular residential zones in Udaipur.

Fatehpura

Sukhadia Circle

Sector 14 Hiran Magri

Bedla

Bhuwana

Goverdhan Vilas

Badi

Sisarma

🏦 Top lenders

Banks dominating Udaipur home loans.

HDFC: dominant second-home loan desk for Mumbai/Delhi luxury buyers

SBI: strongest Hindustan Zinc and government payroll integration

ICICI: preferred for IIM Udaipur faculty and Pacific Industries files

Axis: aggressive on Bhuwana and Bedla apartment projects

LIC Housing: best terms for jewelry-cluster self-employed applicants

Top employers driving pre-approved home loan flows: Hindustan Zinc (Vedanta), Pacific Industries, Wonder Cement, Taj Lake Palace, The Leela Palace Udaipur, Oberoi Udaivilas.

🧮 Worked example

₹40.00 L home loan in Udaipur at 8.7% over 20 years

Loan amount

₹40.00 L

Annual interest rate

8.7%

Term

20 years (240 months)

Monthly EMI

₹35,221

Total interest paid

₹44.53 L

Total paid (principal + interest)

₹84.53 L

+ Stamp duty & registration (7%)

₹2.80 L (women: ₹2.40 L)

❓ FAQ

Udaipur home loan questions.

Can I buy a second home in Udaipur on a home loan if I live in Mumbai? ▾

Yes — HDFC, ICICI, and Axis all offer second-home loans in Udaipur, typically at 25-50 bps higher than primary home loan rates with LTV capped at 70-75%. Many Mumbai and Delhi buyers do this for lakeside properties around Fatehpura, Pichola Lake stretches, and hill-view plots in Bhuwana. Tax benefits are now restricted under section 24 but capital appreciation has been strong.

Do Hindustan Zinc (Vedanta) employees get preferred home loan terms in Udaipur? ▾

Yes, Vedanta has corporate tie-ups with SBI, HDFC, and Axis offering concessional rates (5-15 bps below standard), waived processing fees, and dedicated relationship managers. This is the single largest payroll segment in Udaipur lending.

Is Bhuwana a good home loan investment area in Udaipur? ▾

Bhuwana is one of Udaipur's fastest-growing residential corridors with NH-8 connectivity and multiple RERA-registered projects from Ashiana, Vatika, and local developers. Lenders offer full 85-90% LTV and prices have appreciated 15-20% over 2023-2026. Good rental yields from tourism-staff and student segments.