Compare Home Loan rates in Ahmedabad, 2026.
Reviewed by Jay Patel· Last reviewed:
Ahmedabad, Gujarat's commercial capital, has emerged as one of India's fastest-growing real estate markets with the metro expansion and GIFT City fuelling demand. Property prices along SG Highway, Prahlad Nagar, and South Bopal have appreciated 15-20% since 2024.
Published/indicative home loan rate information for Ahmedabad, Gujarat starts from 7.15% per annum in 2026. Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Published/Indicative Rates
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Ahmedabad Local Expertise
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Home Loan Rates in Ahmedabad — Published/Indicative Comparison
Updated April 2026. Figures are published/indicative and may change; verify current lender terms.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.25% – 9.15%Lowest shown | No prepayment charges on floating |
| BoB | 8.25% – 9.15%Lowest shown | Baroda Home Loan scheme |
| PNB | 8.3% – 9.2% | PNB Housing scheme |
| Canara | 8.3% – 9.25% | Canara Home Loan scheme |
| Union | 8.3% – 9.2% | Union Home scheme |
| LIC | 8.3% – 9.35% | Griha Prakash scheme |
| HDFC | 8.35% – 9.25% | Digital application process |
| ICICI | 8.35% – 9.3% | iMobile instant eligibility |
| Bajaj | 8.35% – 9.5% | Flexi home loan (OD feature) |
| Axis | 8.4% – 9.35% | Power advantage for high-value loans |
| Federal | 8.4% – 9.45% | Strong NRI desk |
| Kotak | 8.45% – 9.4% | 811 Dream Home Loan |
| Tata | 8.45% – 9.5% | Tata brand trust |
| IDFC | 8.5% – 9.5% | Digital-first processing |
| Bandhan | 8.5% – 9.5% | Affordable housing focus |
Updated April 2026: published/indicative home loan rate entries for Ahmedabad are shown from 8.25% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Home Loan Eligibility in Ahmedabad
General eligibility criteria for home loan applicants in Ahmedabad, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Ahmedabad or Gujarat
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 700+
- Business registered in India
How a Home Loan application may progress in Ahmedabad
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Documentation & Filing
Use the lender's current checklist to compile documents in Ahmedabad. Submit the application through the channel the lender confirms and retain copies of everything provided.
Lender Sanction & Disbursal
Sanction and disbursal timing in Ahmedabad are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.
Documents Required for Home Loan in Ahmedabad
Keep these documents ready to speed up your home loan application in Ahmedabad.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Property documents (Agreement, Title deed)
- 6Passport-size photographs
- 7Address proof (utility bill / rent agreement)
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited balance sheet & P&L
- 4Last 12 months bank statements (all accounts)
- 5Property documents (Agreement, Title deed)
- 6Business registration (GST, Udyam, Shop Act)
- 7Passport-size photographs
Home Loan in Ahmedabad — Frequently Asked Questions
Common questions about home loan in Ahmedabad, Gujarat.
What are the current Home Loan rates in Ahmedabad in 2026?
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How much Home Loan can I get in Ahmedabad?
What documents are needed for a Home Loan in Ahmedabad?
How long does Home Loan processing take in Ahmedabad?
Other Loan Products in Ahmedabad
Explore more loan options available in Ahmedabad through Money Matrix Hub.
Areas listed for Home Loan in Ahmedabad
Localities included in the Ahmedabad reference data.
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