Are you considering purchasing a property in Ahmedabad? Finding the best bank for a home loan means more than just chasing the lowest home loan rates in Ahmedabad—it’s about matching your financial needs, eligibility, and long-term plans with the right lender or housing finance company. This comprehensive guide covers top banks & NBFCs, current rates, eligibility norms, top features, and crucial tips for first-time buyers.

Why Home Loan in Ahmedabad is a Smart Move in 2025

Ahmedabad’s booming real estate, robust infrastructure, and variety of choices—luxury homes, affordable apartments, NRIs returning for property investment—make it one of India’s prime markets for homebuyers. The competition among banks and housing finance companies in Ahmedabad helps keep interest rates and charges competitive for all borrower profiles.

Lowest Home Loan Rates in Ahmedabad (August 2025 Snapshot)

Name of Lender	Interest Rates (p.a.)
	Loans Up to Rs. 30 Lakh	Loans Above Rs. 30 Lakh to Rs. 75 Lakh	Loans Above Rs. 75 Lakh
State Bank of India	7.50% – 8.95%	7.50% – 8.95%	7.50% – 8.95%
HDFC Bank	7.90% onwards	7.90% onwards	7.90% onwards
Bajaj Housing Finance	7.35% onwards	7.35% onwards	7.35% onwards
ICICI Bank	7.70% onwards	7.70% onwards	7.70% onwards
Axis Bank	8.35% – 11.90%	8.35% – 11.90%	8.35% – 9.35%
Federal Bank	8.75% onwards	8.75% onwards	8.75% onwards
Punjab National Bank	7.50% – 9.35%	7.45% – 9.25%	7.45% – 9.25%
Kotak Mahindra Bank	7.99% onwards	7.99% onwards	7.99% onwards
Canara Bank	7.50% – 10.25%	7.45% – 10.25%	7.40% – 10.15%
IDFC FIRST Bank	8.85% onwards	8.85% onwards	8.85% onwards
IDBI Bank	7.65% onwards	7.65% onwards	7.65% onwards
RBL Bank	8.20% onwards	8.20% onwards	8.20% onwards
Tata Capital Housing Finance	7.75% onwards	7.75% onwards	7.75% onwards
PNB Housing Finance	8.25% – 11.50%	8.25% – 11.50%	8.25% – 12.35%
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% onwards	8.75% onwards	8.75% onwards
India Shelter Finance	10.00% – 24.00%	10.00% – 24.00%	10.00% – 24.00%
L&T Finance	8.65% onwards	8.65% onwards	8.65% onwards
Godrej Housing Finance	8.55% onwards	8.55% onwards	8.55% onwards
Home First Finance	11.90% onwards	11.90% onwards	11.90% onwards
Easy Home Finance	8.99% onwards	8.99% onwards	8.99% onwards
Piramal Capital Housing Finance	9.50% onwards	9.50% onwards	9.50% onwards

Source: Paisa Bazaar

Lowest home loan rates Home loan rates in Ahmedabad often fluctuate based on factors such as credit score, income, property type, and loan amount.

Top Housing Finance Companies in Ahmedabad

• HDFC Ltd.: A strong network of cities, favorable rates, and Trufixed fixed-rate options.
• Bajaj Housing Finance has the lowest rates and is open to both salaried and self-employed people.
• LIC Housing Finance: Long terms (up to 30 years) and simple processing for families.

• PNB Housing Finance has good deals for first-time buyers and NRIs.
• ICICI Home Finance offers fast approval and special plans for individuals who are unable to provide proof of income.

Some other well-known banks with branches in India are SBI, Axis Bank, Canara Bank, Bank of Baroda, and newer ones like Home First Finance, Aavas Financiers, and MAS Rural Housing.

Home Loan Eligibility in Ahmedabad: Are You Eligible?

Eligibility for a home loan in Ahmedabad depends on key factors:

• Age: 21–65 (salaried); up to 70 (self-employed)
• Income: Min. ₹25,000/month (higher preferred); stable job or business history
• Credit Score: 725+ for fastest approval and best rates
• Property Type & Location: Approved and legally clear property
• Loan-to-value Ratio (LTV): Up to 85–90% of property value
• Other Liabilities: Lower existing debts help maximize eligibility

Required documents include identity/address proofs, income/business paperwork, bank statements, property papers, and sometimes passport-size photos.

Use online calculators from HDFC, Bajaj Finserv, PNB Housing, and SBI to check your personalized eligibility instantly.

 Best Bank for Home Loan in Ahmedabad: Comparison

Lender	Interest Rate (from)	Max Tenure	Key USP	Branch Presence
HDFC Ltd.	7.90%	30 yrs	Quick processing, top brand, flexible terms	Very High
SBI	7.50%	30 yrs	Strong trust, widest reach, tailored schemes	Very High
Bajaj Housing Finance	7.35%	30 yrs	Lowest rates, digital-first, high amounts	Growing
ICICI Bank	7.70%	30 yrs	80–90% LTV, simple prepayment	High
Axis Bank	8.35%	30 yrs	Online EMI tools, flexible repayment	High
PNB Housing Finance	8.25%	30 yrs	Easy for new buyers, quick offers	Medium

Steps to Maximize Your Home Loan Benefits

• Make sure to scrutinize the interest rates, processing fees, and any additional hidden fees.
• Keep your credit score high before you apply; this will get you lower rates right away.
• Seek deals that are only for women, government workers, or NRIs.
• Choose between fixed and floating rates based on how long you plan to stay.
• Ask about fees for foreclosure and prepayment. Floating-rate loans usually don’t have any.

Conclusion: Choose Smart for Your Dream Home

The best home loan offers in Ahmedabad have low interest rates, a wide range of eligibility, and quick disbursement. These loans can help you make your housing dreams come true. Use banks and NBFCs you can trust, keep an eye on market deals, and always figure out the real costs before you sign. It’s now easier than ever to find your perfect home in Ahmedabad.

Home Loan Tips & FAQs

1. What is the lowest home loan rate in Ahmedabad right now?

     Starting from 7.35% (Bajaj Housing Finance), most banks between 7.5%–8.5%.

2. Which is the best bank for a home loan?

      HDFC, SBI, Bajaj Housing Finance, and ICICI lead for rates, ease, and branch reach.

3. How long does it take to process the loan?

     Ranges from 7–15 days if documents are in order.

  4 Is self-employed are eligible for home loan?

 Yes, provided business is stable and you have ITR/bank records for 2–3 years.

5.Housing finance companies in Ahmedabad worth considering?

Besides HDFC and Bajaj, check LIC Housing, PNB Housing, Home First, and MAS Rural.