Adani Realty — Home Loan Panel
Reviewed by Jay Patel· Last reviewed:
Bank-by-bank APF map, sanction timelines, and home loan notes for buyers considering a Adani Realty unit in Ahmedabad.
Money Matrix Hub insight
Adani Realty is a top-tier Ahmedabad developer with typical APF approval on 6 banks (HDFC, ICICI, SBI, Axis + 2 more). Price tier starts around ₹0.85 Cr for entry 2 BHK units in Shantigram (Gandhinagar). Compiled from CREDAI Ahmedabad and Gujarat RERA listings.
- Source:Money Matrix Hub reference data
- Source:https://gujrera.gujarat.gov.in
- Source:https://credaiahmedabad.org
About Adani Realty
Adani Group's real-estate arm. Shantigram township in Gandhinagar is one of the largest integrated projects in Gujarat.
Flagship localities
Shantigram (Gandhinagar), Ambli, SG Highway
Unit types
2 BHK, 3 BHK, 4 BHK, Villas
Entry price
~ ₹0.85 Cr
APF banks (indicative)
6
Bank-wise APF panel (verify for your project)
| Bank | Typical APF status | Notes |
|---|---|---|
| HDFC | Likely APF (project-specific) | HDFC — private, faster TAT (5–7 days) and more flexible on staged disbursements. |
| ICICI | Likely APF (project-specific) | ICICI — private, faster TAT (5–7 days) and more flexible on staged disbursements. |
| SBI | Likely APF (project-specific) | SBI — PSU, slower TAT (10–14 days) but price floor is usually 10–20 bps below private banks. |
| Axis | Likely APF (project-specific) | Axis — private, faster TAT (5–7 days) and more flexible on staged disbursements. |
| Kotak | Likely APF (project-specific) | Kotak — private, faster TAT (5–7 days) and more flexible on staged disbursements. |
| Bajaj | Likely APF (project-specific) | Bajaj — private, faster TAT (5–7 days) and more flexible on staged disbursements. |
APF status is project-specific and can be withdrawn. Ask Jay for the real-time map before you sign an MoU with Adani Realty.
FAQ
- Which banks offer home loans on Adani Realty projects?
- At least 6 banks maintain APF approval on current Adani Realty projects: HDFC Bank, ICICI Bank, State Bank of India, Axis Bank, Kotak Mahindra Bank, Bajaj Housing Finance. APF status is project-specific — always verify the exact project on each bank's APF list before relying on this.
- Does APF approval mean my loan is guaranteed?
- No. APF is about the project, not about you. Your sanction depends on your own CIBIL, FOIR, LTV, and income profile. APF speeds up processing (sanction TAT drops to 7 days from 21) and sometimes unlocks 5 percentage points more LTV, but your eligibility still matters.
- What is the starting price for a Adani Realty unit?
- Adani Realty projects typically start around ₹0.85 Cr for entry 2 BHK units in Shantigram (Gandhinagar). Larger Villas units command a premium.
- How do I confirm current APF status on a specific Adani Realty project?
- Ask the Adani Realty sales team for the APF letter on company letterhead, per bank. Cross-verify by searching the project name on each bank's online APF portal (HDFC, ICICI, SBI, LIC Housing, and Bajaj Housing all publish search forms). Money Matrix Hub can help you check the current APF status for a project — send the project name on WhatsApp.
- Are Adani Realty projects RERA-registered?
- All of Adani Realty's current launches are RERA-registered under Gujarat RERA. Always cross-verify on gujrera.gujarat.gov.in before making a booking advance; do not rely on the builder's marketing collateral alone.
Thinking about a Adani Realty unit?
Before you pay the booking advance, send Jay the project + unit details on WhatsApp. We'll help you check current APF status and shortlist lenders that match your eligibility.
APF mappings are indicative and change with each new bank panel. Always verify via the bank's online APF portal before relying on this page. RERA registration status must be verified on gujrera.gujarat.gov.in.