The area roughly covered by the modern state of Madhya Pradesh was the centre of several vigorous schools of architecture, of which at least four have been identified. The first flourished at Gwalior and adjacent areas (ancient Gopādri); the second in modern Bundelkhand, known in ancient times as Jejākabhukti; the third in the eastern and southeastern parts in the ancient country of Ḍāhala, of which Tripurī, near modern Jabalpur, was the capital; and the fourth in the west, in an area bordering Gujarāt and Rājasthān in the fertile land of Mālava (Mālwa).

The earliest examples in the Gwalior area are a group of small shrines at Naresar, a few miles from Gwalior proper; dating to the 8th century, the shrines have latina spires and sparsely ornamented walls. In the 9th century a series of magnificent temples was built, including the Mālā-de at Ḍyāraspur, the Śiva temples at Mahḱā and Indore, and a temple dedicated to an unidentified mother goddess at Barwa-Sāgar. The period appears to have been one of experimentation, a variety of plans and spires having been tried. The Mālā-de temple is an early example of the śekharī type in its formative stages; the Indore temple has a star-shaped plan; and the Barwa-Sāgar example has a twin latina spire over a rectangular sanctum. The masonry work is of the finest quality and the architectural ornament is crisply carved. (The figural sculptures are few.) The temple at Umrī, with a latina spire, is small and exquisitely finished; but the largest and perhaps the finest temple is the Telī-kā-Mandir on Gwalior Fort, rectangular in plan and capped by a pointed barrel vault, recalling once again the survival of ancient roof forms. The walls are decorated with niches (empty at present) topped by tall pediments (triangular gable ornament).

The style of this region became increasingly elaborate from the 10th century, during the supremacy of the Kacchapaghāṭa dynasty. The many examples from this period are distinguished by a low plinth and rich sculptural decoration on the walls. Outstanding among them are the Kākan-maḍh at Suhāniā (1015–35) and the Sās-Bahū temple (completed 1093) in Gwalior Fort. The several temples at Surwāyā and Kadwāhā, though smaller in size, are distinguished for their extremely rich and elegant workmanship.

The style is best represented by a large group of temples at Khajurāho, the capital of the Candella dynasty, though examples are also to be found in Mahoba and at several other sites in the Jhānsi district of Uttar Pradesh, notably Chāndpur and Dudhai. All of the distinctive characteristics of the fully developed style can be seen in the Lakṣmaṇa temple at Khajurāho (dated 941), which is a pañcāyatana placed on a tall terrace enclosed by walls. The sanctum has an ambulatory and, facing it, a series of halls, including the gūḍhamaṇḍapa, a porch, and a small intermediate hall. Both the ambulatory and the gūḍhamaṇḍapa are provided with lateral, balconied arms, or transepts, which let in light and air. Each hall has its own pyramidal śikhara, all skillfully correlated to ascend gradually to the main śekharī spire over the sanctum. Extraordinary richness of carving, both in the interior and on the exterior, where the walls carry as many as three rows of sculpture, and a skillful handling of the main spire to suggest ascent are distinguishing features of the style. The largest temple of the group, very similar to the Lakṣmaṇa, is the Kandāriyā Mahāẖeo; and among the most distinguished are the Viśvanātha and the Pārśvanātha temples. The Dūlādeo temple, which does not have an ambulatory, represents the closing phase of the group and probably belongs to the 12th century.

The earliest temples of the Ḍāhala area, dating from the 8th–9th century, are the simple shrines at Bāndhogarh, which consist of a sanctum with latina spire and porch. To the 10th century, when the local Kalacuri dynasty was rapidly gaining power, belong the remarkable Śiva temples at Chandrehe and Masaun, the former being circular in plan, with a latina spire covered with rich candraśālā tracery. The Golā Math at Maihar has the more conventional square sanctum, with a very elegant latina śikhara, the walls of which are adorned with two rows of figural sculpture. There must have existed at Gurgī a large number of temples, though all of them now are in total ruin. Judging from a colossal image of Śiva-Pārvatī and a huge entrance, which have somehow survived, the main temple must have been of very great size. Another important site is Amarkantak, where there are a large group of temples, the most important of which is the Karṇa. Although generally of the 11th century, they are quite simple, lacking the rich sculptural decoration so characteristic of the period. By contrast, the Virāṭeśvara temple at Sohāgpur, with an unusually tall and narrow śekharī spire, is covered with sculptural ornamentation as rich as that of Khajurāho.

The Mālava region, ruled largely by the Paramāra dynasty, appears to have been the first to develop the bhūmija type of śikhara (10th century). The finest and most representative group of these structures is at Un. Though, unfortunately, they are considerably damaged, judging from the remains, they must have been very elegant structures. The best preserved and easily the finest bhūmija temple is the Udayeśvara (1059–82), situated at Udaipur in Madhya Pradesh. The śikhara, based on a stellate plan, is divided into quadrants by four latās, or offsets, each one of which has five rows of aediculae. The large hall has three entrance porches, one to the front and two to the sides, and walls that are richly carved. The whole complex, including seven subsidiary shrines, is placed on a broad, tall platform. The Siddheśvara temple at Nemāwar (early 12th century) is even larger than the Udayeśvara, though the proportions are not as well balanced and the quality of the carving is inferior. Structures in the bhūmija manner continued to be made in Mālava up to the 15th century; the Malvai temple at Alīrājpur is a good example of the late phase.

From Mālava, the bhūmija style spread to the neighbouring regions. To the north in Rājasthān, the Mahānāleśvara temple at Menāl (c. 11th century), the Sun temple at Jhālrapātan (11th century), the Śiva temple at Rāmgarh (12th century), and the Ėṇḍeśvara temple (12th century) at Bījoliān are important examples. To the west, in Gujarāt, are temples at Limkheda and Sarnāl of the 11th and 12th centuries. The style was particularly favoured in Mahārāshtra, to the south. Among surviving examples, the most impressive is the Ambarnāth temple near Bombay (11th century); Balsāṇe and Sinnar also have pleasing temples. The style continued up to the 16th century, many examples having been found in north Deccan and Berār. The bhūmija style also spread to the east of Mālava; the Bhāṇḍ Dewal at Arang (11th century), for example, is a Ḍāhala adaptation.