Home Loan · Ahmedabad
Home Loan EMI Calculator for Ahmedabad
Calculate your home loan EMI in Ahmedabad, Gujarat. Average property prices here run ₹1.5–4 cr. We've pre-set realistic defaults — adjust to your loan amount and bank rate.
Inputs
₹
₹50.0 K₹2.00 Cr
%
4.00%24.00%
yr
1 yr30 yr
Monthly EMI
₹44,986
Total interest
₹57,96,711
Total payment
₹1,07,96,711
Payment breakdown
Principal vs Interest · 20 time period
PrincipalInterest
Home loan rates in Ahmedabad (May 2026)
| Bank | Floating rate | Processing fee |
|---|---|---|
| SBI | 8.50–9.65% | 0.35% |
| HDFC Ltd / HDFC Bank | 8.75–9.50% | 0.50% |
| ICICI Bank | 8.75–9.85% | 0.50% |
| Axis Bank | 8.85–9.85% | 1% |
| LIC HF / PNB HF | 8.75–10.50% | 0.25–0.50% |
Salary account banks typically offer 0.25–0.5% lower than published rate. Negotiate.
Ahmedabad property market context
Ahmedabad is among India's top-tier real estate markets. Average 2BHK in mid-segment areas: ₹80L–1.5 cr. Premium areas can easily go ₹3–10 cr. With 20% down payment, expect a loan of ₹40L–₹2 cr typical for first-time buyers.
Tax benefits
- • Section 80C: ₹1.5L deduction on principal repaid (old regime only)
- • Section 24(b): Up to ₹2L deduction on interest for self-occupied (old regime only)
- • Stamp duty + registration: Eligible under 80C in the year of purchase
- • New tax regime: No deductions for self-occupied home loans
This calculator works for any city. Page customised for Ahmedabad investors. Generic EMI calculator.