Best Home Loan In Ahmedabad | 2025
Ahmedabad, with its rapidly developing infrastructure, affordable property rates, and growing job opportunities, is a top choice for homebuyers in 2025. Top banks and NBFCs are lending home loans in Ahmedabad at very attractive interest rates starting from 6.90% p.a. for tenures of up to 30 years, making it convenient for salaried persons, self-employed individuals, and NRIs to meet their wish of owning a home.
Best Home Loan In Ahmedabad | 2025
Ahmedabad is one of the fastest-growing cities in India, known for its affordable real estate, fast-paced development, combined with best-in-class infrastructure and heritage. The city is full of competitive real estate prices and economic development, drawing a lot of new buyers. Housing finance companies and banks in Ahmedabad are providing attractive home loan in Ahmedabad with facilities and options, with a starting home loan interest rate in Ahmedabad of 6.90% p.a. and the flexibility of repayment options of up to 30 years. The processing of home loans in Ahmedabad has also become increasingly easier than it the previously. Home loan in Ahmedabad will make it easy for anyone, be it a salaried professional, self-employed person, or even an NRI, to fulfil their dream of home ownership.
Overview of the content
| Section | Overview | Benefit |
| Home Loans | Available from ₹2L income, 6.90% interest | Affordable & Accessible |
| Eligibility | Age 21–65, stable income, good CIBIL | Higher approval chances |
| Key Features | Up to 30 years, flexible EMIs, tax benefits | Easy repayment & savings |
| Top Lenders | SBI, HDFC, ICICI, LIC, PNB, Canara | Reliable with local branches |
| Locations | Satellite, Vastrapur, Maninagar | High demand & value appreciation |
| Tax Benefits | Up to ₹3.5L under Sections 24 & 80C | Reduces tax burden |
Best Home Loan Providers in Ahmedabad
Here are some of the best banks and financial institutions offering the best home loan in Ahmedabad, along with their branch addresses for quick assistance. If you’re unsure where to start, a home loan agent in Ahmedabad can help you compare these lenders easily.
| Lender | Branch Address in Ahmedabad |
| State Bank of India | SBI, Near Sardar Patel Stadium, Navrangpura, Ahmedabad – 380009 |
| HDFC Ltd. | HDFC House, Near Mithakhali Six Roads, Navrangpura, Ahmedabad – 380009 |
| Axis Bank | Venus Atlantis, Prahlad Nagar, Satellite, Ahmedabad – 380015 |
| ICICI Bank | ICICI Bank Tower, Near GNFC Info Tower, Sarkhej – Gandhinagar Highway, Ahmedabad – 380054 |
| LIC Housing Finance | LIC HFL, Jeevan Sadan, Opp. Income Tax Office, Ashram Road, Ahmedabad – 380014 |
| PNB Housing Finance | PNB Housing, 1st Floor, Shivalik Yash, Nr. Nehrunagar Circle, Ambawadi, Ahmedabad – 380015 |
| Canara Bank | Canara Bank, Bhadra Branch, Lal Darwaja, Ahmedabad – 380001 |
Why Choose a Home Loan in Kolkata?
Ahmedabad, one of India’s fast-growing cities, is ideal for home buyers because of the rapid expansion of infrastructure, reasonable property rates, and the rise in job opportunities. Below are reasons you should consider taking a home loan in Ahmedabad.
1. Affordable Property Prices:
In comparison to Mumbai and Delhi, regular housing comes at reasonable rates for much larger properties.
2. Real Estate Value Growth:
With the economy becoming developed, the growth of real estate has grown consistently, making it a great investment.
3. Smart City Development:
The development is ongoing and backed by the government, which will continue to support prosperous Public Private Partnerships (PPPs). The expansion of the metro is underway, which equals the growth of comfortable livability in business.
4. Loan Accessibility:
Many of the larger banks and NBFCs are actively providing home loan in Ahmedabad products and services. Many have a modest home loan interest rate in Ahmedabad and flexible EMIs.
5. Tax Benefits:
Like all cities in Gujarat, the borrower can access rebates on income tax assessments from the available Section 80C and 24(b), which is helpful while considering the home loan interest rate in Gujarat.
Eligibility For Home Loan In Ahmedabad
Clients are expected to fulfil some of the requirements to qualify for a home loan in Ahmedabad. Some of them are:
- Age: Clients must be at least 21 years old to be eligible for a home loan and must not exceed 65 years by the time of the maturity of the home loan.
- Income: Clients may be expected to earn a minimum of Rs. 2-3 lakh per annum
- Employment stability The client would be expected to be in employment for at least 2-3 years, which may vary, depending on the lender
- Credit score: A credit score of 750 or above would be considered preferable among most lenders
- Property valuation: The property the client wishes to purchase must be in accordance with the bank’s legal and valuation criteria.
Documents Required To Get The Best Ahmedabad Bank Home Loan Interest Rates
You will need the following documents to apply for a home loan in Ahmedabad:
| 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 is important to note that the exact documents required may vary depending on the lender and the loan amount.
Key Features of a Home Loan in Ahmedabad
Before applying, it’s essential to understand the key features that make a home loan flexible, affordable, and tax-efficient for buyers.
| Feature | Details |
| Loan Amount | Based on income & property value |
| Interest Rate | Starts from 6.90% p.a. |
| Tenure | Up to 30 years |
| EMI Options | Flexible (step-up, step-down, holiday) |
| Processing Fee | 0.25% – 1% of the loan amount |
| Prepayment | Free on floating-rate loans |
| Balance Transfer | Available for lower interest options |
| Tax Benefits | Up to ₹2 lakh (interest) & ₹1.5 lakh (principal) under IT Act |
Comparing Home Loan Rates in Ahmedabad
| Lender | Home Loan Interest Rates In Ahmedabad | 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 Ahmedabad
Here is a glance at some of the top leading and preferred locations in Ahmedabad, viable for home purchase, along with some supporting information:
- Satellite: This is a well-developed residential area located in the western part of Ahmedabad, known for its upscale homes, good infrastructure, and proximity to major commercial centres.
- Prahlad Nagar. This is a trendy residential area in Ahmedabad with a good mix of modern and traditional living options, including apartments, villas, and bungalows.
- Vastrapur: This area is located in the western part of Ahmedabad and offers a peaceful and serene living environment, surrounded by greenery and natural beauty.
- Bodakdev: This is a prime residential area in Ahmedabad with excellent social infrastructure, including good schools, hospitals, and shopping centres.
- Maninagar: This is a well-established residential area in Ahmedabad, located in the eastern part of the city, and known for its affordable housing options and good connectivity to other parts of the city
These areas are not only popular but also promise good returns, making home loans in Ahmedabad a smart move.
Tax Benefits On Home Loan Rates In Ahmedabad
Home loans offer a number of tax benefits to the clients. The following are some of the key tax benefits of a home loan in Ahmedabad:
- Tax deduction on interest payment: Clients can enjoy certain tax benefits according to the provisions of the Income Tax Act, 1961. A self-owned property can claim a deduction up to Rs. 2 lakh on interest paid, and there is no upper limit for a rented out property.
- Tax deduction on principal repayment: Under Section 80C of the Income Tax Act, 1961, clients can claim a deduction of up to Rs. 1.5 lakh on principal repayment. This can help lower the taxable income and reduce tax liability.
- Tax benefits on joint home loans: If a home loan is taken jointly, both clients can claim tax benefits on the interest paid and principal repayment, in proportion to their share of the loan.
- Tax benefits on pre-construction interest: Clients can claim a tax deduction on the interest paid during the pre-construction period, in five equal instalments, starting from the year in which construction is completed.
- Tax benefits on stamp duty and registration charges: Clients can claim a tax deduction on stamp duty and registration charges paid while purchasing a house, up to a maximum limit of Rs. 1.5 lakh under Section 80C.
NOTE: It is important to note that tax benefits related to home loans may be impacted by changes in tax laws and regulations. Therefore, borrowers are strongly advised to seek the advice of a tax expert for comprehensive information regarding these benefits.
Conclusion:
Choosing the best home loan in Ahmedabad in 2025 isn’t just about finding the lowest interest rate. Once you know how much you can borrow, what you can repay and how much is accounted for in terms of processing fees, your next big challenge is to find the most suitable lender for you, and with home loan options starting as low as 6.90% p.a. and tenure of up to 30 years offered by nationalised & private banks, home loans in Ahmedabad are the most available and affordable than they have ever been. Whether you are a salaried employee, an independent businessman or woman, or an NRI, you can make great strides towards property ownership in our growing market and conducive lending environment. NoBroker helps you explore exclusive offers from the best banks in Kolkata to secure the most suitable financing option.
