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India City Home Loan Report 2026

By KitnaLoan.in / KitnaMillega.in — published August 2026

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Executive Summary

Highest Approval Rate

Ahmedabad, Gujarat

76% approval rate

Most Affordable City

Muzaffarpur, Bihar

₹2,300/sqft

Fastest Growing Market

Gurgaon, Haryana

+11.2% in 1 year

Best Rental Yield

Mathura, Uttar Pradesh

4.5% rental yield

Data Note: City-level figures combine NHB RESIDEX trend data, RBI DBIE credit statistics, and modeled estimates where direct measurement is unavailable. Approval rates are indicative estimates — no public source publishes city-level approval rates in India. Rental yields are approximate. Property prices for top 20 cities are sourced from NHB RESIDEX; remaining cities use regional estimates. See full methodology.

Top 10 Rankings

Highest Home Loan Approval Rate

#	City	State	Approval Rate
1	Ahmedabad	Gujarat	76%
2	Bangalore	Karnataka	75%
3	Hyderabad	Telangana	74%
4	Indore	Madhya Pradesh	74%
5	Kochi	Kerala	74%
6	Chandigarh	Chandigarh	74%
7	Mangalore	Karnataka	74%
8	Pune	Maharashtra	73%
9	Coimbatore	Tamil Nadu	73%
10	Thiruvananthapuram	Kerala	73%

Most Affordable (Price per Sqft)

#	City	State	Price/Sqft
1	Muzaffarpur	Bihar	₹2,300
2	Gaya	Bihar	₹2,400
3	Agartala	Tripura	₹2,400
4	Imphal	Manipur	₹2,500
5	Ratlam	Madhya Pradesh	₹2,600
6	Bikaner	Rajasthan	₹2,700
7	Asansol	West Bengal	₹2,700
8	Bardhaman	West Bengal	₹2,700
9	Gorakhpur	Uttar Pradesh	₹2,750
10	Aligarh	Uttar Pradesh	₹2,800

Best Rental Yield

#	City	State	Rental Yield
1	Mathura	Uttar Pradesh	4.5%
2	Kota	Rajasthan	4.5%
3	Alwar	Rajasthan	4.5%
4	Ujjain	Madhya Pradesh	4.5%
5	Gaya	Bihar	4.5%
6	Muzaffarpur	Bihar	4.5%
7	Imphal	Manipur	4.5%
8	Agartala	Tripura	4.5%
9	Gorakhpur	Uttar Pradesh	4.2%
10	Firozabad	Uttar Pradesh	4.2%

Fastest Growing (1-Year Price Growth)

#	City	State	1Y Growth
1	Gurgaon	Haryana	+11.2%
2	Noida	Uttar Pradesh	+10.5%
3	Navi Mumbai	Maharashtra	+10.5%
4	Thane	Maharashtra	+9.8%
5	Hyderabad	Telangana	+9.6%
6	Dehradun	Uttarakhand	+9.5%
7	Faridabad	Haryana	+9.2%
8	Bangalore	Karnataka	+9.1%
9	Dharamshala	Himachal Pradesh	+9%
10	Rishikesh	Uttarakhand	+9%

Regional Summary

North (31 cities)

The North region averages a 64% home loan approval rate across its 31 cities in this dataset, with average property prices of ₹4,677/sqft, a rental yield of 3.5%, and 1-year price growth averaging 7.2%. Chandigarh leads the region on approval rate at 74%.

South (32 cities)

The South region averages a 67% home loan approval rate across its 32 cities in this dataset, with average property prices of ₹4,447/sqft, a rental yield of 3.5%, and 1-year price growth averaging 6.8%. Bangalore leads the region on approval rate at 75%.

East (14 cities)

The East region averages a 61% home loan approval rate across its 14 cities in this dataset, with average property prices of ₹3,179/sqft, a rental yield of 3.7%, and 1-year price growth averaging 5.3%. Bhubaneswar leads the region on approval rate at 69%.

West (25 cities)

The West region averages a 65% home loan approval rate across its 25 cities in this dataset, with average property prices of ₹5,772/sqft, a rental yield of 3.5%, and 1-year price growth averaging 7.0%. Ahmedabad leads the region on approval rate at 76%.

Central (8 cities)

The Central region averages a 64% home loan approval rate across its 8 cities in this dataset, with average property prices of ₹3,138/sqft, a rental yield of 3.7%, and 1-year price growth averaging 6.5%. Indore leads the region on approval rate at 74%.

Northeast (4 cities)

The Northeast region averages a 59% home loan approval rate across its 4 cities in this dataset, with average property prices of ₹2,875/sqft, a rental yield of 4.1%, and 1-year price growth averaging 5.7%. Guwahati leads the region on approval rate at 67%.

Complete City Rankings — All 114 Cities

#
1	Lucknow	Uttar Pradesh	Tier 2	70	₹24.00 L	8.48%	69%	₹3,600	3.3%
2	Agartala	Tripura	Tier 2	70	₹18.00 L	8.56%	55%	₹2,400	4.5%
3	Nagpur	Maharashtra	Tier 2	68	₹24.00 L	8.45%	71%	₹3,400	3.1%
4	Kanpur	Uttar Pradesh	Tier 2	68	₹18.00 L	8.54%	62%	₹2,900	3.1%
5	Ahmedabad	Gujarat	Tier 1	67	₹36.00 L	8.25%	76%	₹7,500	3.2%
6	Patna	Bihar	Tier 2	67	₹19.00 L	8.52%	64%	₹3,000	3%
7	Coimbatore	Tamil Nadu	Tier 2	67	₹28.00 L	8.39%	73%	₹4,600	3.3%
8	Kochi	Kerala	Tier 2	67	₹38.00 L	8.39%	74%	₹5,800	3.4%
9	Bhubaneswar	Odisha	Tier 2	67	₹24.00 L	8.48%	69%	₹3,600	3.2%
10	Kota	Rajasthan	Tier 2	67	₹27.00 L	8.43%	62%	₹3,400	4.5%
11	Surat	Gujarat	Tier 1	67	₹38.00 L	8.25%	66%	₹4,800	3.2%
12	Bangalore	Karnataka	Tier 1	66	₹62.00 L	8.29%	75%	₹9,500	3.3%
13	Hyderabad	Telangana	Tier 1	66	₹52.00 L	8.29%	74%	₹7,800	3.4%
14	Jaipur	Rajasthan	Tier 2	65	₹28.00 L	8.43%	72%	₹4,200	3%
15	Mysuru	Karnataka	Tier 2	65	₹30.00 L	8.41%	73%	₹4,800	3.4%
16	Meerut	Uttar Pradesh	Tier 2	64	₹22.00 L	8.5%	66%	₹3,400	3.2%
17	Bikaner	Rajasthan	Tier 2	64	₹21.00 L	8.5%	58%	₹2,700	4%
18	Ranchi	Jharkhand	Tier 2	63	₹19.00 L	8.52%	65%	₹3,000	3%
19	Raipur	Chhattisgarh	Tier 2	63	₹20.00 L	8.5%	68%	₹3,200	3.2%
20	Visakhapatnam	Andhra Pradesh	Tier 1	63	₹33.00 L	8.38%	63%	₹4,200	3.5%
21	Muzaffarpur	Bihar	Tier 2	63	₹17.00 L	8.6%	52%	₹2,300	4.5%
22	Cuttack	Odisha	Tier 2	63	₹23.00 L	8.48%	60%	₹3,000	4%
23	Imphal	Manipur	Tier 2	63	₹19.00 L	8.56%	55%	₹2,500	4.5%
24	Pune	Maharashtra	Tier 1	62	₹48.00 L	8.33%	73%	₹8,500	3.1%
25	Indore	Madhya Pradesh	Tier 2	62	₹26.00 L	8.41%	74%	₹3,800	3.4%
26	Hubli-Dharwad	Karnataka	Tier 2	62	₹22.00 L	8.45%	70%	₹3,400	3.2%
27	Guntur	Andhra Pradesh	Tier 2	62	₹22.00 L	8.48%	69%	₹3,600	3.2%
28	Vadodara	Gujarat	Tier 1	62	₹34.00 L	8.29%	65%	₹4,400	3.3%
29	Gaya	Bihar	Tier 2	62	₹18.00 L	8.6%	53%	₹2,400	4.5%
30	Bhopal	Madhya Pradesh	Tier 2	61	₹22.00 L	8.48%	70%	₹3,200	3.2%
31	Thiruvananthapuram	Kerala	Tier 2	61	₹32.00 L	8.41%	73%	₹4,800	3.1%
32	Agra	Uttar Pradesh	Tier 2	61	₹19.00 L	8.52%	63%	₹3,200	3%
33	Bareilly	Uttar Pradesh	Tier 2	61	₹22.50 L	8.52%	58%	₹2,850	4%
34	Ajmer	Rajasthan	Tier 2	61	₹24.00 L	8.48%	60%	₹3,000	4%
35	Chennai	Tamil Nadu	Tier 1	60	₹50.00 L	8.33%	70%	₹7,200	2.8%
36	Vijayawada	Andhra Pradesh	Tier 2	60	₹26.00 L	8.45%	70%	₹4,000	3.3%
37	Prayagraj	Uttar Pradesh	Tier 2	60	₹18.00 L	8.54%	63%	₹3,000	3%
38	Tiruchirappalli	Tamil Nadu	Tier 2	60	₹24.00 L	8.45%	70%	₹3,800	3.2%
39	Gwalior	Madhya Pradesh	Tier 2	60	₹26.00 L	8.48%	60%	₹3,100	4%
40	Rajkot	Gujarat	Tier 2	60	₹32.00 L	8.41%	64%	₹4,200	3.5%
41	Sambalpur	Odisha	Tier 3	60	₹21.00 L	8.67%	58%	₹2,800	4.2%
42	Bhilai	Chhattisgarh	Tier 2	60	₹23.00 L	8.48%	60%	₹3,000	4%
43	Jodhpur	Rajasthan	Tier 2	59	₹22.00 L	8.48%	70%	₹3,400	3%
44	Jabalpur	Madhya Pradesh	Tier 2	59	₹19.00 L	8.52%	67%	₹3,000	3%
45	Mangalore	Karnataka	Tier 2	59	₹30.00 L	8.39%	74%	₹4,600	3.3%
46	Madurai	Tamil Nadu	Tier 2	59	₹26.00 L	8.43%	71%	₹4,000	3.3%
47	Varanasi	Uttar Pradesh	Tier 2	58	₹20.00 L	8.52%	64%	₹3,400	3.1%
48	Faridabad	Haryana	Tier 2	58	₹32.00 L	8.45%	68%	₹4,800	3.1%
49	Gorakhpur	Uttar Pradesh	Tier 2	58	₹22.00 L	8.52%	57%	₹2,750	4.2%
50	Ujjain	Madhya Pradesh	Tier 2	58	₹25.00 L	8.5%	59%	₹3,200	4.5%
51	Kurnool	Andhra Pradesh	Tier 2	58	₹24.00 L	8.48%	61%	₹3,100	4%
52	Silchar	Assam	Tier 3	58	₹21.00 L	8.75%	57%	₹2,800	4.2%
53	Guwahati	Assam	Tier 2	57	₹24.00 L	8.5%	67%	₹3,800	3.1%
54	Aurangabad	Maharashtra	Tier 2	57	₹31.00 L	8.45%	62%	₹4,000	3.8%
55	Amritsar	Punjab	Tier 2	56	₹28.00 L	8.45%	70%	₹4,200	3%
56	Bhavnagar	Gujarat	Tier 2	56	₹29.00 L	8.43%	63%	₹3,800	3.8%
57	Rourkela	Odisha	Tier 2	56	₹24.00 L	8.48%	60%	₹3,100	3.9%
58	Mumbai	Maharashtra	Tier 1	55	₹75.00 L	8.38%	68%	₹22,000	2.6%
59	Dehradun	Uttarakhand	Tier 2	55	₹30.00 L	8.43%	72%	₹4,800	3.3%
60	Jamnagar	Gujarat	Tier 2	55	₹31.00 L	8.41%	64%	₹4,100	3.6%
61	Shivamogga	Karnataka	Tier 2	55	₹26.00 L	8.45%	63%	₹3,400	3.9%
62	Tirunelveli	Tamil Nadu	Tier 2	55	₹27.00 L	8.43%	64%	₹3,500	4%
63	Ludhiana	Punjab	Tier 2	54	₹32.00 L	8.43%	72%	₹4,600	3.1%
64	Alwar	Rajasthan	Tier 3	54	₹25.00 L	8.58%	60%	₹3,200	4.5%
65	Nashik	Maharashtra	Tier 2	54	₹35.00 L	8.43%	63%	₹4,600	3.5%
66	Solapur	Maharashtra	Tier 2	54	₹26.00 L	8.48%	60%	₹3,400	4%
67	Nellore	Andhra Pradesh	Tier 2	54	₹26.00 L	8.48%	62%	₹3,300	3.8%
68	Durgapur	West Bengal	Tier 2	54	₹24.00 L	8.48%	61%	₹3,100	3.9%
69	Ambala	Haryana	Tier 2	54	₹31.00 L	8.43%	63%	₹4,000	3.8%
70	Jalandhar	Punjab	Tier 2	54	₹32.00 L	8.41%	64%	₹4,200	3.7%
71	Jammu	Jammu & Kashmir	Tier 2	54	₹31.00 L	8.48%	59%	₹4,000	3.7%
72	Chandigarh	Chandigarh	Tier 1	53	₹42.00 L	8.33%	74%	₹6,800	2.9%
73	Salem	Tamil Nadu	Tier 2	53	₹22.00 L	8.48%	69%	₹3,400	3.1%
74	Amravati	Maharashtra	Tier 2	53	₹26.00 L	8.48%	60%	₹3,300	4%
75	Belagavi	Karnataka	Tier 2	53	₹28.00 L	8.45%	63%	₹3,600	3.8%
76	Tumkur	Karnataka	Tier 2	53	₹27.00 L	8.43%	63%	₹3,500	3.8%
77	Thanjavur	Tamil Nadu	Tier 2	53	₹25.00 L	8.43%	64%	₹3,200	4.2%
78	Warangal	Telangana	Tier 2	53	₹27.00 L	8.45%	62%	₹3,500	3.8%
79	Asansol	West Bengal	Tier 2	53	₹21.00 L	8.52%	59%	₹2,700	4%
80	Bardhaman	West Bengal	Tier 2	53	₹20.00 L	8.52%	59%	₹2,700	4%
81	Noida	Uttar Pradesh	Tier 1	52	₹56.00 L	8.42%	70%	₹8,000	3%
82	Mathura	Uttar Pradesh	Tier 2	52	₹27.00 L	8.5%	59%	₹3,500	4.5%
83	Firozabad	Uttar Pradesh	Tier 3	52	₹22.00 L	8.75%	57%	₹2,900	4.2%
84	Udaipur	Rajasthan	Tier 2	52	₹32.00 L	8.45%	62%	₹4,200	4.2%
85	Ratlam	Madhya Pradesh	Tier 3	52	₹20.00 L	8.75%	57%	₹2,600	4.2%
86	Kolhapur	Maharashtra	Tier 2	52	₹30.00 L	8.45%	62%	₹3,900	3.8%
87	Dindigul	Tamil Nadu	Tier 3	52	₹24.00 L	8.5%	63%	₹3,000	4.2%
88	Kolkata	West Bengal	Tier 1	51	₹38.00 L	8.5%	65%	₹5,800	2.7%
89	Siliguri	West Bengal	Tier 2	51	₹25.00 L	8.48%	61%	₹3,200	3.8%
90	Gurgaon	Haryana	Tier 1	50	₹82.00 L	8.38%	71%	₹14,000	2.9%
91	Moradabad	Uttar Pradesh	Tier 2	50	₹23.00 L	8.5%	58%	₹2,900	4%
92	Erode	Tamil Nadu	Tier 2	50	₹29.00 L	8.41%	65%	₹3,700	4%
93	Tirupati	Andhra Pradesh	Tier 2	50	₹34.00 L	8.41%	64%	₹4,500	4%
94	Vellore	Tamil Nadu	Tier 2	49	₹28.00 L	8.43%	64%	₹3,600	4%
95	Jamshedpur	Jharkhand	Tier 2	49	₹29.00 L	8.45%	62%	₹3,800	3.8%
96	Panipat	Haryana	Tier 2	49	₹30.00 L	8.43%	63%	₹3,800	4%
97	Rohtak	Haryana	Tier 2	49	₹30.00 L	8.43%	63%	₹3,800	4%
98	Navi Mumbai	Maharashtra	Tier 1	48	₹65.00 L	8.33%	72%	₹12,500	3%
99	Aligarh	Uttar Pradesh	Tier 2	48	₹22.00 L	8.52%	58%	₹2,800	4%
100	Patiala	Punjab	Tier 2	48	₹31.00 L	8.43%	63%	₹4,000	3.8%
101	Srinagar	Jammu & Kashmir	Tier 2	47	₹34.00 L	8.5%	58%	₹4,500	3.5%
102	Haridwar	Uttarakhand	Tier 2	46	₹32.00 L	8.48%	61%	₹4,200	4%
103	Puducherry	Puducherry	Tier 2	45	₹36.00 L	8.37%	66%	₹4,800	3.5%
104	Kozhikode	Kerala	Tier 2	42	₹38.00 L	8.37%	66%	₹5,200	3.2%
105	Palakkad	Kerala	Tier 2	42	₹33.00 L	8.39%	65%	₹4,400	3.5%
106	Delhi	Delhi	Tier 1	41	₹68.00 L	8.46%	64%	₹12,000	2.4%
107	Rishikesh	Uttarakhand	Tier 3	41	₹36.00 L	8.58%	60%	₹4,800	4.2%
108	Shimla	Himachal Pradesh	Tier 2	39	₹40.00 L	8.45%	62%	₹5,500	3.2%
109	Panaji	Goa	Tier 2	38	₹55.00 L	8.37%	66%	₹7,500	3%
110	Thrissur	Kerala	Tier 2	37	₹40.00 L	8.35%	67%	₹5,500	3.1%
111	Kollam	Kerala	Tier 2	37	₹37.00 L	8.37%	66%	₹5,000	3.2%
112	Thane	Maharashtra	Tier 1	35	₹62.00 L	8.38%	70%	₹11,500	2.9%
113	Margao	Goa	Tier 2	35	₹52.00 L	8.39%	65%	₹6,800	3.2%
114	Dharamshala	Himachal Pradesh	Tier 3	31	₹42.00 L	8.58%	60%	₹5,800	3.5%

Showing 114 of 114 cities

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Methodology

This report is compiled from KitnaLoan.in's city-level dataset covering 114 Indian cities across home loan approval rates, average property prices, rental yields, and price growth trends. Figures combine NHB RESIDEX trend ranges, RBI DBIE branch-density patterns, and typical lender ticket sizes reported by banks and NBFCs — not all figures are live-scraped, and city-level confidence varies. See the full methodology page for data sources, update cadence, and per-city confidence ratings.

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