Home loan rates for Jaipur buyers start at 7.40% p.a. (Bank of Baroda, Canara Bank, Union Bank of India), per the banks' official rate cards in October 2026. SBI starts at 7.50%, HDFC Bank and Axis Bank at 8.00%. The RBI repo rate is 5.50% after the 25 bps hike on 7 October 2026, and banks have passed it through to new floating-rate loans.
Banks price home loans nationally, so these rates apply in Jaipur as elsewhere. The rate you are offered depends on CIBIL score, income type (salaried or self-employed) and loan amount.
| Lender | Interest rate (p.a.) | EMI per ₹1 lakh, 20 years, at starting rate | Effective |
|---|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | ₹799 | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | ₹799 | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | ₹799 | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | ₹803 | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | ₹803 | 8 Oct 2026 (festive rate till 31 Dec 2026) |
| State Bank of India | from 7.50% | ₹806 | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | ₹812 | — |
| Axis Bank | 8.00% – 9.10% | ₹836 | — |
| HDFC Bank | 8.00% – 13.45% | ₹836 | — |
| ICICI Bank | 8.75% – 9.90% | ₹884 | 8 Oct 2026, valid till 31 Oct 2026 |
Source: each bank's official rate page, checked 26 Oct 2026. Most banks revised rates after the 7 October repo hike.
| Loan amount | 20 years at 7.40% | 30 years at 7.40% | 20 years at 8.50% |
|---|---|---|---|
| ₹30 lakh | ₹23,985 | ₹20,771 | ₹26,035 |
| ₹50 lakh | ₹39,974 | ₹34,619 | ₹43,391 |
| ₹75 lakh | ₹59,962 | ₹51,928 | ₹65,087 |
| ₹1 crore | ₹79,949 | ₹69,238 | ₹86,782 |
| ₹1.5 crore | ₹1,19,923 | ₹1,03,857 | ₹1,30,173 |
7.40% is the lowest official starting rate among large banks; 8.50% shows a typical rate for a lower CIBIL score or self-employed income.
| Item | Rate |
|---|---|
| Stamp duty, man | 6% |
| Stamp duty, woman sole owner | 5% |
| Surcharge on stamp duty | 20% of the duty, plus an infrastructure surcharge |
| Registration fee | 1% |
Charged on the higher of the sale price and the DLC rate. Confirm the current surcharge on epanjiyan.rajasthan.gov.in. Lenders do not fund stamp duty or registration; pay these from your own funds.
| Condition | Limit |
|---|---|
| Household income | Up to ₹9 lakh a year (EWS up to ₹3 lakh, LIG ₹3–6 lakh, MIG ₹6–9 lakh) |
| Property value | Up to ₹35 lakh |
| Loan amount | Up to ₹25 lakh |
| Subsidy | 4% on the first ₹8 lakh of the loan, for up to 12 years |
| Maximum subsidy | ₹1.80 lakh, paid in 5 yearly instalments to the loan account |
Source: PMAY-U 2.0 Interest Subsidy Scheme, Government of India. First-time buyers only; the household must not own a pucca house anywhere in India.
| Lender | Branch | Address |
|---|---|---|
| State Bank of India | SBI RACPC Jaipur | 2Nd Floor, Kailash Tower, Sbi Racpc Office, Tonk Rd, Lalkothi, Jaipur, Rajasthan 302015 |
| HDFC Bank | HDFC Bank Home Loan Branch - Jaipur (Jagatpura) | No 8, Vishnupuri Main Jagatpura Road, near Vijayvargiya Hospital, Jagatpura, Jaipur, Jaipur Nagar Nigam Area, Rajasthan 302006 |
| ICICI Home Finance | ICICI Home Finance - C Scheme, Jaipur | Shop No, City Corporate, Plot No. D3, Malviya Marg, C Scheme, Ashok Nagar, Jaipur, Jaipur Nagar Nigam Area, Rajasthan 302001 |
| Axis Bank | Axis Bank Loan Centre | 2nd & 3rd Floor, Airtel, Sunny House, Ground floor, K-21, Malviya Marg, C Scheme, Jaipur, Rajasthan 302001 |
| Bank of Baroda | Bank of Baroda Service Branch Jaipur | D/38/A Ashok Marg, Ahinsa Cir, C Scheme, Jaipur, Rajasthan 302001 |
| Punjab National Bank | Punjab National Bank | Umrao Complex, Mirza Ismail Rd, Sindhi Camp, Jaipur, Jaipur Nagar Nigam Area, Rajasthan 302001 |
| Kotak Mahindra Bank | Kotak Mahindra Bank | Ground Floor, Krishna Towers, Plot No 57, Sardar Patel Marg, Dhuleshwar Garden, Jaipur, Jaipur Nagar Nigam Area, Rajasthan 302001 |
| LIC Housing Finance | LIC Housing Finance Ltd | WR84+79C, Upasana Tower, Jaipur, Rajasthan 302001 |
| PNB Housing Finance | PNB Housing Finance Limited | 1st Floor, UDB Tower, No: SB59, opposite Jaipur Nagar Nigam, Tonk Road, Bapu Nagar, Jaipur, Rajasthan 302015 |
| Bajaj Housing Finance | Bajaj Housing Finance Limited - Home Loan, Loan Against Property | 3rd floor, Landmark Tower, opp. Jai Club, C Scheme, Ashok Nagar, Jaipur, Jaipur Nagar Nigam Area, Rajasthan 302005 |
Addresses from the lenders' Google Business listings, checked 26 Oct 2026.
Large branch network with over 16
000 branches and processing centers nationwide including Jaipur.
Loan amounts up to ₹15 crores with flexible repayment up to 10 years.
Online eligibility check and application process.
Special pre-approved home loan facility for faster sanction before property finalization.
Transparent interest rate linked to benchmark (REPO) with automatic adjustments.
Wide range of home loan products including plot purchase and construction loans.
Typically 7 to 15 working days from application to sanction depending on document verification and property evaluation
Balance Transfer
Home Extension Loan
Home Repair/Renovation Loan
NRI Home Loan
Pre-approved Home Loan
Regular Home Loan
SBI Realty Home Loan (Plot Purchase + Construction)
Top-up Loan
SBI Jaipur Main Branch
SBI MI Road Branch
SBI Raja Park Branch
SBI Vaishali Nagar Branch
Attractive interest rates starting from 7.90% p.a.
customized home loan solutions
longer loan tenure up to 30 years
online chat and WhatsApp assistance
quick and easy online application process
Trufixed Home Loans with fixed rate period
Quick approval with a simple 3-step online application process; typical processing time not explicitly stated but emphasis on fast approval
Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan
HDFC Bank Jaipur Branch
HDFC Bank MI Road Branch
HDFC Bank C Scheme Branch
HDFC Bank Vaishali Nagar Branch
