Rent vs Buy Calculator — Ahmedabad (2026)
Home-buying economics for Ahmedabad, Gujarat, with Gujarat’s real stamp duty and registration costs. Buying to rent out? See the Ahmedabad investment calculator.
Where to buy in Ahmedabad? Best areas, prices & what to expect · ₹5K–₹11K/sq ftSee details
Ahmedabad is Gujarat's commercial engine, and the SG Highway spine (₹8,000–10,500/sq ft) is its premium residential axis, flanked by upmarket Satellite, Bodakdev, and Prahlad Nagar. The South Bopal–Shela belt offers newer, more affordable supply around ₹4,500–6,500/sq ft, and the nearby GIFT City financial hub adds long-term upside. Gujarat’s low 5.9% combined statutory cost makes it one of the cheaper metros in which to transact.
Typical on-market price
₹5K–₹11K / sq ft
Notable localities
- SG Highway — Prime commercial-residential spine; ₹8,000–10,500/sq ft.
- Satellite / Bodakdev — Established upmarket west-side neighbourhoods.
- South Bopal — Sought-after value belt; ₹5,000–6,500/sq ft with good schools.
- Prahlad Nagar — Premium mixed-use area with high jantri rates.
- Shela — Fast-growing affordable western suburb; ₹4,500–6,000/sq ft.
Ahmedabad rent vs buy calculator
Key outputs
Buying this ₹80,00,000 home in Ahmedabad means an EMI of ₹48,598 paid from your pocket and ₹29,52,000 upfront. If you sell, selling turns net-positive around year 7. See the verdict below to compare with renting and investing that cash instead.
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30-year projection
Rent vs Buy — what leaves you richer?
If you don’t buy, you keep your ₹29,52,000 of upfront cash to invest and pay rent instead. Here’s the cash each path leaves you with — buying means selling the home minus the EMIs you paid; renting means your invested cash minus the rent you paid.
| After 10 yrs | After 20 yrs | After 30 yrs | |
|---|---|---|---|
| Buy → sell the home | |||
| Net sale proceeds | ₹1,06,40,943 | ₹2,86,42,898 | ₹5,63,44,916 |
| − Total EMI paid | −₹58,31,772 | −₹1,16,63,544 | −₹1,16,63,544 |
| = Final cash | ₹48,09,171 | ₹1,69,79,354 | ₹4,46,81,372 |
| Rent → invest the ₹29,52,000 + pay rent | |||
| Total rent paid | ₹33,20,564 | ₹87,29,412 | ₹1,75,39,856 |
| Stock market @ 10.0% → value | ₹76,56,728 | ₹1,98,59,580 | ₹5,15,10,635 |
| = Final cash (− rent) | ₹43,36,164 | ₹1,11,30,168 | ₹3,39,70,780 |
| Fixed deposit @ 7.0% → value | ₹58,07,031 | ₹1,14,23,309 | ₹2,24,71,377 |
| = Final cash (− rent) | ₹24,86,467 | ₹26,93,897 | ₹49,31,521 |
| P2P lending @ 12.0% → value | ₹91,68,464 | ₹2,84,75,857 | ₹8,84,41,690 |
| = Final cash (− rent) | ₹58,47,900 | ₹1,97,46,445 | ₹7,09,01,834 |
| Verdict | Renting + P2P wins | Renting + P2P wins | Renting + P2P wins |
Buy “final cash” is the sale proceeds minus every EMI you paid; rent “final cash” is the invested cash minus every rent payment — so both count their housing cost. The property’s net gain (final cash − upfront) matches “Net gain if sold” in the projection below.
Illustrative only, not financial advice. Investment rows assume the upfront cash is a one-time lump sum compounding at the rate you enter. Returns are assumptions and are not guaranteed.
Full year-by-year projection
| Year | Property value | Annual EMI | Outstanding loan | Home equity | Cumulative EMI paid | Net gain if sold |
|---|---|---|---|---|---|---|
| 1 | ₹80,00,000 | ₹5,83,176 | ₹54,88,547 | ₹5,83,177 | ||
| 2 | ₹85,60,000 | ₹5,83,176 | ₹53,67,243 | ₹11,66,354 | ||
| 3 | ₹91,59,200 | ₹5,83,176 | ₹52,35,216 | ₹17,49,532 | ||
| 4 | ₹98,00,344 | ₹5,83,176 | ₹50,91,520 | ₹23,32,709 | ||
| 5 | ₹1,04,86,368 | ₹5,83,176 | ₹49,35,122 | ₹29,15,886 | ||
| 6 | ₹1,12,20,414 | ₹5,83,176 | ₹47,64,900 | ₹34,99,063 | ||
| 7 | ₹1,20,05,843 | ₹5,83,176 | ₹45,79,632 | ₹40,82,240 | ||
| 8 | ₹1,28,46,252 | ₹5,83,176 | ₹43,77,988 | ₹46,65,418 | ||
| 9 | ₹1,37,45,489 | ₹5,83,176 | ₹41,58,521 | ₹52,48,595 | ||
| 10 | ₹1,47,07,674 | ₹5,83,176 | ₹39,19,654 | ₹58,31,772 | ||
| 11 | ₹1,57,37,211 | ₹5,83,176 | ₹36,59,674 | ₹64,14,949 | ||
| 12 | ₹1,68,38,816 | ₹5,83,176 | ₹33,76,714 | ₹69,98,127 | ||
| 13 | ₹1,80,17,533 | ₹5,83,176 | ₹30,68,743 | ₹75,81,304 | ||
| 14 | ₹1,92,78,760 | ₹5,83,176 | ₹27,33,550 | ₹81,64,481 | ||
| 15 | ₹2,06,28,273 | ₹5,83,176 | ₹23,68,729 | ₹87,47,658 | ||
| 16 | ₹2,20,72,252 | ₹5,83,176 | ₹19,71,661 | ₹93,30,835 | ||
| 17 | ₹2,36,17,310 | ₹5,83,176 | ₹15,39,496 | ₹99,14,013 | ||
| 18 | ₹2,52,70,522 | ₹5,83,176 | ₹10,69,132 | ₹1,04,97,190 | ||
| 19 | ₹2,70,39,458 | ₹5,83,176 | ₹5,57,191 | ₹1,10,80,367 | ||
| 20 | ₹2,89,32,220 | ₹5,83,176 | ₹0 | ₹1,16,63,544 | ||
| 21 | ₹3,09,57,476 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 22 | ₹3,31,24,499 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 23 | ₹3,54,43,214 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 24 | ₹3,79,24,239 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 25 | ₹4,05,78,936 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 26 | ₹4,34,19,461 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 27 | ₹4,64,58,823 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 28 | ₹4,97,10,941 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 29 | ₹5,31,90,707 | ₹0 | ₹0 | ₹1,16,63,544 | ||
| 30 | ₹5,69,14,056 | ₹0 | ₹0 | ₹1,16,63,544 |
Ahmedabad home-buying FAQs
What is the stamp duty rate in Ahmedabad?
Stamp duty in Ahmedabad (Gujarat) is 4.9% of the property value, the same regardless of the buyer’s gender. On the example price of ₹80,00,000 that works out to ₹3,92,000.
What is the property registration charge in Gujarat?
Registration charge in Gujarat is 1.0% of the property value with no upper cap. On the example price of ₹80,00,000 that is ₹80,000.
When does buying break even if you sell in Ahmedabad?
Buying a ₹80,00,000 home in Ahmedabad (30% down at 8.5% over 20 years) turns net-positive on sale around year 7 — that is when the sale proceeds finally cover your upfront cash and the EMIs paid. By year 10 the modelled net gain is about ₹18,57,171.
How much upfront cash do I need to buy a ₹80.00 L home in Ahmedabad?
To buy a ₹80,00,000 home in Ahmedabad you need roughly ₹29,52,000 upfront: a 30% down payment of ₹24,00,000 plus ₹5,52,000 of transaction costs (stamp duty ₹3,92,000, registration ₹80,000, brokerage ₹80,000).
Do women get a stamp duty concession in Gujarat?
No. Gujarat offers no reduced stamp duty for women buyers — the 4.9% slab applies regardless of who the property is registered to.
Why are buying costs lower in Ahmedabad than most metros?
Gujarat levies about 4.9% stamp duty plus 1% registration — roughly 5.9% combined, among the lowest for a major Indian city (versus 7.5%+ in Bangalore or 11% in Chennai). That lower transaction cost shortens the break-even horizon for buying versus renting in Ahmedabad.
Which are the best areas to buy property in Ahmedabad?
The SG Highway corridor and adjacent Satellite, Bodakdev, and Prahlad Nagar are the premium addresses, while South Bopal and Shela offer newer, more affordable homes with good social infrastructure. Buyers with a long horizon also track areas near GIFT City for future appreciation.
Ahmedabad at a glance
Based on an example ₹80,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹80,00,000 |
|---|---|
| Down payment (30%) | ₹24,00,000 |
| Loan amount | ₹56,00,000 |
| Monthly EMI | ₹48,598 |
| Stamp duty (4.9%) | ₹3,92,000 |
| Registration | ₹80,000 |
| Brokerage | ₹80,000 |
| All-in transaction cost (6.9%) | ₹5,52,000 |
| Upfront cash needed | ₹29,52,000 |
| Rent if you rented instead | ₹22,000 / mo |
| Net gain if sold (10 yr) | ₹18,57,171 |
| Break-even on sale | Year 7 |