Bank of India
7.10% p.a. onwards
Max tenure 30 yrsFee 0.25% of loan amount (min ₹1,500, max ₹20,000)
Home Loan in Ahmedabad
Compare home loan interest rates from 40+ banks and housing finance companies lending in Ahmedabad (Amdavad). A manufacturing and services hub with GIFT City's IFSC, the Sanand and Dholera industrial belts, a growing metro and some of India's lowest metro-city prices. See rates, fees, popular localities, Gujarat stamp duty and EMI before you choose, and Butter Money handles the paperwork until disbursal.
- 40+ Lenders
- Competitive Rates
- Expert Assistance
%
Rates from
7.10%
p.a.*
Max tenure
32 yrs
most lenders
Max funding
90%
loans up to ₹30 L
Lenders
32
in Ahmedabad
*Lowest advertised rate across lenders · Rates updated 3 Nov 2026 · Final pricing depends on your credit profile, income, loan amount and property.
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Top Home Loan Offers in Ahmedabad
Lowest starting rates this month from lenders active in Ahmedabad.
LIC Housing Finance
7.15% p.a. onwards
Max tenure 30 yrsFee ₹15,000 + GST
Union Bank of India
7.15% p.a. onwards
Max tenure 30 yrsFee ₹10,000 + GST
Bajaj Housing Finance
7.20% p.a. onwards
Max tenure 30 yrsFee ₹5,000 + GST
Compare Home Loan Rates in Ahmedabad
Indicative starting rates, fees and funding limits · updated 3 Nov 2026
| Lender | Rate (p.a.) | Processing fee | Max tenure | Max LTV | Action |
|---|---|---|---|---|---|
| Bank of IndiaPublic sector bank | 7.10% | 0.25% of loan amount (min ₹1,500, max ₹20,000) | 30 yrs | 75% | Check → |
| LIC Housing FinanceHousing finance company | 7.15% | ₹15,000 + GST | 30 yrs | 90% | Check → |
| Union Bank of IndiaPublic sector bank | 7.15% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Bajaj Housing FinanceHousing finance company | 7.20% | ₹5,000 + GST | 30 yrs | 90% | Check → |
| Canara BankPublic sector bank | 7.20% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Central Bank of IndiaPublic sector bank | 7.20% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| Punjab National BankPublic sector bank | 7.20% | ₹5,000 + GST | 30 yrs | 75% | Check → |
| Bank of MaharashtraPublic sector bank | 7.25% | Nil | 30 yrs | 75% | Check → |
| Federal BankPrivate bank | 7.25% | ₹20,000 + GST | 30 yrs | 85% | Check → |
| South Indian BankPrivate bank | 7.25% | ₹15,000 + GST | 30 yrs | 80% | Check → |
| Punjab & Sind BankPublic sector bank | 7.30% | 0.10% of loan amount | 30 yrs | 75% | Check → |
| Axis BankPrivate bank | 7.35% | ₹10,000 + GST | 30 yrs | 80% | Check → |
| Bank of BarodaPublic sector bank | 7.35% | ₹4,130 + GST | 30 yrs | 75% | Check → |
| IDBI BankPrivate bank | 7.35% | ₹15,000 + GST | 30 yrs | 75% | Check → |
| ICICI BankPrivate bank | 7.40% | ₹5,000 + GST | 30 yrs | 80% | Check → |
| HDFC BankPrivate bank | 7.45% | ₹10,550 + GST | 30 yrs | 88% | Check → |
| HSBC BankForeign bank | 7.45% | ₹10,000 + GST | 25 yrs | 80% | Check → |
| State Bank of IndiaPublic sector bank | 7.50% | Salaried customer max: ₹15,000 + GST | 30 yrs | 75% | Check → |
| TATA CapitalNBFC | 7.60% | ₹12,000 + GST | 30 yrs | 90% | Check → |
| L&T FinanceNBFC | 7.65% | ₹10,000 + GST | 30 yrs | 75% | Check → |
| IDFC FIRST BankPrivate bank | 7.75% | 1.50% + GST | 32 yrs | 80% | Check → |
| Mahindra FinanceHousing finance company | 8.00% | 0.50% + GST | 30 yrs | 80% | Check → |
| Godrej FinanceHousing finance company | 8.34% | ₹11,000 + GST | 30 yrs | 80% | Check → |
| YES BankPrivate bank | 8.35% | ₹5,000 + GST | 30 yrs | 80% | Check → |
| IndusInd BankPrivate bank | 8.45% | 0.125% of loan amount + GST | 30 yrs | 90% | Check → |
| Navi FinservNBFC | 8.45% | ₹0 + GST | 30 yrs | 90% | Check → |
| DBS BankForeign bank | 8.70% | ₹10,000 + GST | 30 yrs | 90% | Check → |
| Truhome FinanceHousing finance company | 9.50% | 1% + GST | 30 yrs | 80% | Check → |
| Piramal FinanceNBFC | 9.90% | 1% + GST | 30 yrs | 80% | Check → |
| Utkarsh Small Finance BankSmall finance bank | 11.00% | 0.10% of loan amount | 30 yrs | 75% | Check → |
| Vridhi FinservHousing finance company | 12.00% | — | 30 yrs | 75% | Check → |
| Vastu Housing FinanceHousing finance company | 12.50% | ₹3,000 + GST | 20 yrs | 80% | Check → |
LTV shown within RBI limits: up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh.Compare all lenders →
Ahmedabad Home Market: What Buyers Should Know in 2026
Ahmedabad is among India's most affordable large markets, at about ₹4,800/sq ft on average with low single-digit price growth (Knight Frank H1 2026). The West zone (SG Highway, Bopal, Thaltej, Science City) took 31% of H1 2026 launches, and the North zone (Gota, Chandkheda, Motera) took 24%.
9,581
residential sales, H1 2026 (Jan–Jun)
+2% YoY11,077
new launches, H1 2026 (Jan–Jun)
+3% YoY₹4,826/sq ft
avg. price, H1 2026 (Jan–Jun)
+3% YoYSource: Knight Frank India.
Popular Areas to Buy a Home in Ahmedabad
Choose by budget, commute and employment hub, not just popularity.
| Area | Price (₹ / sq ft) | Connectivity | Best for |
|---|---|---|---|
| Thaltej / Shilaj Road | ₹8,350 (avg); premium band ₹8,000–14,000 | Thaltej metro (East–West line); SG Highway | Premium west Ahmedabad buyers |
| Prahlad Nagar / Satellite | ₹8,000–14,000 | SG Highway; corporate offices | Professionals near commercial hubs |
| SG Highway | ₹7,300 (avg); ₹8,000–10,500 (corridor estimate) | Sarkhej–Gandhinagar Highway to Gandhinagar and GIFT City | Commute to GIFT City/Gandhinagar |
| Bopal | ₹5,000–7,500 | SP Ring Road; SG Highway (Bopal +4% YoY per Knight Frank H1 2026) | Mid-segment families in the west |
| South Bopal | ₹5,000–6,500 | SP Ring Road | First-time buyers in gated projects |
| Shela | ₹5,450 (avg asking) | SP Ring Road; near Bopal–Sanand belt | Affordable new launches; Sanand industrial workforce |
| Gandhinagar | ₹6,950 (avg) | Ahmedabad Metro Phase 2 towards GIFT City; Gandhinagar–Ahmedabad Highway | Government employees |
| GIFT City | ₹12,150–13,750 (project listing rates) | Metro link; near Gandhinagar | BFSI/IFSC professionals |
Square Yards asking prices (Sep–Oct 2026) for Thaltej, SG Highway, Shela, Gandhinagar and GIFT City projects; bands from Gharpe (2026, publisher date not stated) for Bopal, South Bopal, Prahlad Nagar/Satellite. Gota/Chandkheda/Motera prices not verified, so they are left out.
Home Loan for Different Property Types in Ahmedabad
What lenders check before they fund each kind of property.
Ready to move
Full disbursal at registration. Lenders check the AMC- or AUDA-approved plan, the BU (building use) permission and the title.
Under construction
Paid in stages as the building rises. The project must be GujRERA registered; check which banks have approved it.
Resale
Lenders verify the title chain, the 7/12 extract or city property card, and the society share certificate and NOC where there is a society.
Plot + construction
Most banks fund only NA (non-agricultural) plots in AMC/AUDA-approved layouts or town-planning schemes; funding limits are usually lower than for flats.
RERA registration is not the same as bank approval.
Check a project on Gujarat Real Estate Regulatory Authority (GujRERA), then ask us which lenders have approved it.
Home Buying Costs in Ahmedabad
Gujarat charges on a ₹1 crore home (male buyer)
Stamp Duty (4.9%)₹4,90,000
Registration (1%)₹1,00,000
Total government charges₹5,90,000
Registration-fee waiver for women (Gujarat): The 1% registration fee is waived when the property is registered solely in a woman's name; stamp duty (4.9%) is unchanged.
CERSAI registration: One-time fee when the lender records the mortgage on CERSAI: ₹50 for loans up to ₹5 lakh, ₹100 above (plus GST).
GST on under-construction homes: 1% for affordable housing (up to 60 sq m carpet in metros / 90 sq m elsewhere and value up to ₹45 lakh), 5% for other homes; no GST on ready homes with an occupancy certificate.
Legal & technical checks: Lenders usually charge a small one-time fee for an independent title check and a property valuation; it varies by lender and is sometimes part of the processing fee.
Mortgage (MODT) stamp duty: 0.25% of the loan, capped at ₹5,000 for loans up to ₹1 crore.
Also plan for the down payment, processing fee, legal & technical checks, mortgage registration (MODT), CERSAI and GST on under-construction homes.
Effective from 2007 · Source: Gujarat Stamp Act 1958 (IGR Gujarat)
Calculate stamp duty for your home →Ahmedabad Home Loan EMI Calculator
Starts at the lowest Ahmedabad rate. Move the sliders to see how the loan amount, rate and tenure change your EMI.
₹1,00,00,000
₹10,00,000₹10,00,00,000
%7.1
6%20%
Yrs15
1 Yr30 Yrs
YOUR MONTHLY EMI
₹90,443
for 15 years at 7.1% p.a.
Principal amount
₹1,00,00,000
Total interest
₹62,79,709
Total amount payable₹1,62,79,709
Illustrative calculation based on the selected rate. The rate defaults to 7.1% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
Home Loan & Housing Schemes in Gujarat
Central
PMAY-U 2.0 interest subsidy
Eligible EWS/LIG/MIG households can get an interest subsidy on their first home loan. Check current eligibility before applying.
Official scheme details ↗Ahmedabad
AUDA / AMC affordable housing (PMAY-linked)
AUDA and AMC allot EWS/LIG housing by draw under state-linked affordable housing programmes.
Official scheme details ↗How to Apply for a Home Loan in Ahmedabad
- 1
Check eligibility
Soft check, no CIBIL impact
- 2
Compare lenders
Offers from 40+ lenders
- 3
Shortlist property
RERA, title and local approvals
- 4
Submit documents
Digital, one upload
- 5
Sanction & disbursal
Legal and technical check, then disbursal
Ahmedabad Home Loan FAQs
What is the lowest home loan interest rate in Ahmedabad?
Home loan rates in Ahmedabad start from 7.10% p.a. (Bank of India) as of 3 Nov 2026. Your rate depends on your CIBIL score, income, loan amount and the property.
Which banks give home loans in Ahmedabad?
Public sector banks, private banks and housing finance companies all lend in Ahmedabad, including Bank of India, LIC Housing Finance, Union Bank of India, Bajaj Housing Finance, Canara Bank, Central Bank of India. Butter Money compares 32 lenders for your profile.
What is the maximum home loan tenure in Ahmedabad?
Lenders in Ahmedabad offer up to 32 years, limited by your age when the loan ends (usually 60–70 years).
AMC or AUDA: which authority approves my Ahmedabad property?
Ahmedabad Municipal Corporation (AMC) approves plans within city limits, and AUDA is the planning authority for the surrounding urban development area. Check the approved TP scheme and plan from the right body.
What is BU permission and why do banks ask for it?
BU (Building Use) permission is Gujarat's occupancy certificate, issued after construction to confirm the building is fit to occupy. Lenders generally need it for ready or resale flats.
What is jantri and how does it affect stamp duty?
Jantri is Gujarat's government-notified property value (circle rate). Stamp duty (4.9%) and registration (1%) are charged on the higher of the jantri value and the agreement value.
Can I get a home loan for a GIFT City flat?
Yes. GIFT City residential projects are RERA-registered and financed by most major lenders, subject to project approval and normal eligibility checks.
Ready to Find Your Home Loan in Ahmedabad?
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