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Best Home Loan In Jaipur | 2026
Jaipur with the interest rates starting from just 6.90% p.a., flexible payment terms, and tax benefits of up to ₹3.5 lakh a year, taking a home loan in Jaipur has never been cheaper in 2026. Whether you are salaried, self-employed, or an NRI, NoBroker's zero-brokerage home loan assistance and top partner banks will make your entire home loan experience as hassle-free and fully digital as possible.
- Rates from 8.50% p.a.
- Sanction in 7 days
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Jaipur, popularly known as India’s Pink City, and a cultural hub with immense potential that makes it one of the fastest-growing real estate locations in India. Property prices are affordable, the city’s infrastructure is improving rapidly, and demand is rising, making it a good city for homebuyers. As of 2026, home loans in Jaipur are available at 6.90% p.a., for repayment tenures of 30 (thirty) years and up to ₹3.5 lakh under various sections of the Income Tax Act (or ₹2.5 lakh) in deductions. Jaipur is a unique situation for homebuyers, whether in salaried employment, self-employed, or NRIs.
Overview of the Content:
| Category | Details |
| Interest Rate | Starts from 6.90% p.a. |
| Loan Tenure | Up to 30 years |
| Tax Benefits | Up to ₹3.5 lakh/year under Sections 24(b) & 80C |
| Top Banks | SBI (M.I. Road), HDFC (C-Scheme), ICICI (Tonk Rd), Axis (Vaishali Nagar) |
| Why Jaipur? | Affordable housing, smart city growth, metro connectivity |
| Eligibility | Age 21–65, ₹2–3L income/year, CIBIL 750+ |
| Benefits | Low EMIs, No prepayment charges |
| Top Areas | Malviya Nagar, Jagatpura, Mansarovar, Vaishali Nagar, Tonk Road |
Best Home Loan Providers in Jaipur (with Branch Addresses)
Here are some of the best banks and financial institutions offering the best home loan in Jaipur, along with their branch addresses for quick assistance. If you’re unsure where to start, a home loan agent in Jaipur can help you compare these lenders easily.
| Bank/NBFC | Branch Location in Jaipur |
| State Bank of India | SBI Main Branch, M.I. Road, Jaipur – 302001 |
| HDFC Ltd. | HDFC House, Ashok Marg, C-Scheme, Jaipur – 302001 |
| ICICI Bank | ICICI Tower, Tonk Road, Jaipur – 302015 |
| Axis Bank | Axis Bank, Vaishali Nagar, Queens Road, Jaipur – 302021 |
| LIC Housing Finance | LIC Building, Jalebi Chowk, Johari Bazar, Jaipur – 302003 |
| PNB Housing Finance | PNB Housing, Bapu Nagar, Near RBI, Jaipur – 302015 |
| Canara Bank | Canara Bank, Nehru Place, Tonk Road, Jaipur – 302015 |
| Bank of Baroda | BoB, Raja Park Branch, Jaipur – 302004 |
Why Choose a Home Loan in Jaipur?
Jaipur, known for its rich heritage and fast-paced urban growth, is now one of India’s top emerging cities for homeownership, with affordable property prices and easy loan accessibility. Getting a home loan in Jaipur is a reasonable choice because the city is both affordable and developing:
- Affordable Property Prices: Jaipur property prices are 20-30% lower than Delhi NCR.
- Growing Infrastructure: Metro line expansion, ring roads, and smart city projects are boosting the real estate price of land.
- Low Interest Rates: 6.90% p.a. loans make it easy to access funding.
- Tax Savings: You can claim deductions of up to ₹3.5 lakh each financial year under Section 24(b) and 80C.
- Zero brokerage with NoBroker: You will be matched with the best lender without needing to pay a middleman.
Eligibility For Home Loan In Jaipur
To be considered for a home loan in Jaipur, interested clients are expected to fulfil the following criteria:
- Age: The minimum age of the client must be 21 years, and the maximum age of the client should not exceed 65 years.
- Income: The minimum annual salary expected from a client would be Rs. 2-3 lakh, but is subject to change depending on the lender
- Employment stability: The applicant is expected to be employed for 2-3 years, which is subject to change based on the lender
- Credit score: Most lenders would prefer a credit score of 750
- Property valuation. The property being purchased will have to be in accordance with the bank’s legal and valuation criteria.
Key Features of a Home Loan in Jaipur
Before applying, it’s essential to understand the key features of a home loan in Jaipur that make a home loan flexible, affordable, and tax-efficient for buyers.
| Feature | Details |
| Interest Rate | Starts from 6.90% p.a. |
| Tenure | Up to 30 years |
| Loan Amount | Based on income and property value |
| Processing Fee | 0.25% – 1% of the loan amount |
| EMI Options | Step-up, Step-down, Holiday EMI |
| Prepayment Charges | Nil for floating-rate loans |
| Tax Benefits | Up to ₹2L (interest) + ₹1.5L (principal) |
| Balance Transfer Option | Available for better rate switching |
Documents Required To Get The Best Jaipur Bank Home Loan Interest Rates
To complete a home loan application in Jaipur, the client will require the following documents:
| DOCUMENT TYPE | DOCUMENT |
| KYC Documents | Aadhaar card, PAN card, passport, and voter ID card |
| Proof of Income | Salary slips, income tax returns, Form 16, and bank statements |
| Property-related Documents | Property registration papers, property tax receipts, and NOC from the builder or society |
| Proof of Employment | Offer letter, appointment letter, and employment contract |
| Others | Passport-size photographs, a loan application form, and a declaration of assets and liabilities |
It should be noted that the precise documentation needed may vary depending on the lending institution.
Comparing Home Loan Rates in Jaipur
| Lender | Home Loan Interest Rates In Jaipur | Processing Fees & Charges | Maximum Loan Amount | Maximum Loan Tenure |
| Aavas Financier Limited Home Loan | 8% | 2% | – | 30 Years |
| Aditya Birla Capital Home Loan | 9% – 12.50% | 1% | 10 Crores | 30 Years |
| Andhra Bank Home Loan | 8.15% – 9.20% | 0.50% or ₹15000 + GST (whichever is lower) | – | 30 Years |
| Axis Bank Home Loan | 8.75% – 14% | 1% | 10 Crores | 30 Years |
| Bank of Baroda Home Loan | 8.50% – 10.60% | 0.25%- 0.50% | 10 Crores | 30 Years |
| Bank of India Home Loan | 7.80% – 9.65% | – | 7.50 Crores | 30 Years |
| Bank of Maharashtra Home Loan | 8.40% | 0.25% or 25,000 (whichever is lower) | 1 Crore | 30 Years |
| Canara Bank Home Loan | 8.85%- 11.25% | ₹1,500 – ₹10,000 | 3 Crores | 30 Years |
| Central Bank of India Home Loan | 8.45% – 9.20% | 0.50% or ₹20,000 + GST (whichever of lower) | 75 Lakhs | 30 Years |
| DBS Home Loan | 8.25% – 9.75% | – | 5 Crores | 25 Years |
| Dena Bank Home Loan | 8.25% – 8.35% | 0.50% | 1.5 Crores | 30 Years |
| Dhanalakshmi Bank Home Loan | 7.2% | 1% or ₹10,00 + GST (whichever is higher) | 1 Crore | 30 Years |
| DHFL Home Loan | 8.75% | – | 5 Crore | 30 Years |
| Federal Bank Home Loan | 10.15% – 10.30% | – | 15 Crores | 30 Years |
| HDFC Ltd. Home Loan | 8.50% – 9.60% | 0.50% or ₹3000 (whichever is higher) | 10 Crores | 30 Years |
| IDBI Bank Home Loan | 8.75% – 11.45% | – | 10 Crore | 30 Years |
| IDFC First Bank Home Loan | 8% – 14% | 3% | 10 Crores | 30 Years |
| Indiabulls Home Loan | 8.75% | 1% | 2 Crores | 30 Years |
| Indian Overseas Bank Home Loan | 9.55% | – | – | 30 Years |
| India Shelter Finance Corporation Home Loan | 13% – 20% | 2% – 3% + GST | 50 Lakhs | 20 Years |
| Jammu and Kashmir Bank Home Loan | 8% | 0.25% + GST | 50 Lakhs | 30 Years |
| Karnataka Bank Home Loan | 9.08% – 10.38% | 0.50% – 2% | 5 Crores | 30 Years |
| Karur Vysya Bank Home Loan | 9.23% – 12.13% | ₹2500 – ₹7500 + GST | – | 25 Years |
| Kotak Mahindra Bank Home Loan | 8.85% – 9.40% | 0.50% | 10 Crores | 20 Years |
| LIC HFL Home Loan | 8.70% | 0.30% onwards | 10 Crores | 30 Years |
| PNB Housing Home Loan | 8.50% – 10.85% | – | 2 Crores | 30 Years |
| Reliance Home Finance Limited Home Loan | 9.35% – 13% | 0.50% – 1.50% | – | 20 Years |
| South Indian Bank Home Loan | 7.95% – 9.60% | 0.50% + GST | 15 Crores | 30 Years |
| State Bank of India Home Loan | 9.55% | ₹2000 – ₹10000 + GST | 5 Crores | 30 Years |
| Sundaram Home Finance Ltd Home Loan | 6.95% – 8.30% | 0.50% | 4 Crores | 25 Years |
| Tamilnad Mercantile Bank Home Loan | 9.10% – 9.60% | 0.50% | 5 Crores | 30 Years |
| Tata Capital Limited Home Loan | 8.95% | 2% | 5 Crores | 30 Years |
| Union Bank Home Loan | 8.75% | 0.50% or ₹15000 + GST (whichever is lower) | – | 30 Years |
| Yes Bank Home Loan | 9.15% – 11.25% | 1.5% – ₹10000 (whichever is higher) | 10 crores | 35 Years |
Top 5 Locations To Buy Homes In Jaipur
Listed below are some of the preferred locations in Jaipur for home purchase, along with some extra information:
- Malviya Naga: It is an up-and-coming locality, known for its modern infrastructure and excellent connectivity.
- Tonk Road: It is a well-connected area, with several commercial and residential projects in the vicinity.
- Manasarovar: Manasarovar is a popular residential area with several schools, hospitals, and other amenities in the vicinity.
- Vishali Nagar: Vishali Nagar is a well-developed locality with excellent connectivity and infrastructure.
- Jagatpura: It is a fast-developing locality, situated near the airport, and is preferred by professionals and students.
Tax Benefits On Home Loan Rates In Jaipur
Clients who apply for home loans would be eligible for certain tax benefits. Here are the key tax benefits of home loans in Jaipur:
1. Tax deduction on interest payment:
According to Section 24 of the Income Tax Act, 1961, taxpayers can claim a deduction of up to Rs. 2 lakh on the interest paid towards a self-occupied property. However, there is no maximum limit for the deduction on the interest paid for a property that is rented out.
2. Tax deduction on principal repayment:
Section 80C of the Income Tax Act, 1961 enables borrowers to claim a deduction of up to Rs. 1.5 lakh on the repayment of the principal amount of a home loan.
3. Tax benefits on joint home loans:
In case of a joint home loan, every borrower has the right to claim tax deductions on both the interest and principal repayment of the loan, based on their share in the loan amount.
4. Tax benefits on pre-construction interest:
Taxpayers are eligible to claim a deduction on the interest paid during the pre-construction period, in five equal instalments. The deductions can be availed starting from the year in which the construction of the property is completed
5. Tax benefits on stamp duty and registration charges:
Borrowers are eligible to claim a deduction on the expenses incurred on stamp duty and registration charges while purchasing a house, up to a maximum limit of Rs. 1.5 lakh, under Section 80C of the Income Tax Act.
NOTE: The tax benefits associated with home loans are subject to alterations in tax laws and regulations. Borrowers should seek guidance from a tax expert for detailed information regarding the tax benefits of home loans.
Conclusion:
Getting a home loan in Jaipur in 2026 presents you with an opportunity to leverage financial prudence to create wealth over the long term with your property purchases. Jaipur has cheap real estate prices, outstanding infrastructure development, and great connectivity, making it a financial sense to invest in the area. With home loan interest rates starting from as low as 6.90% p.a., flexible EMI repayment options along with tax benefits going as high as ₹3.5 lakh make it easier to buy homes in Jaipur, as ever or it’s your first time! NoBroker’s zero brokerage features and relationships with leading lenders ensure you get a truly seamless, fully digital loan experience regardless of whether you’re salaried or an entrepreneur/self-employed.
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Last Updated: Oct 16, 2026
Education - BTech (IIT Guwahati), IIM Bangalore
With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization - helping customers not just get a loan, but get the right loan for their financial situation.
Top questions asked
Home loans can have either fixed or floating interest rates, with fixed rates providing stability and predictability throughout the loan tenure while floating rates are subject to market fluctuations and can vary over time, potentially being lower than fixed rates when market conditions are favourable.
In Jaipur, eligibility for home loans is determined by income, credit score, and property value, with banks typically offering up to 80% of the property value and maximum loan amounts varying by lender, commonly ranging from Rs. 10-20 crores.
While prepayment of home loans is usually allowed without penalty, some lenders may charge fees if the prepayment amount exceeds a specific limit or if it occurs within a designated period, such as the first year of the loan.
Processing periods for home loans in Jaipur may take up to 2-3 weeks for document verification, property appraisal, and loan approval, but expedited processing may be available for certain types of loans.
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