🥜 Amreli 📍 Gujarat HRA tiernon-metro Updated2026-05-17

Amreli Home Loan EMI Calculator 🥜

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Quick answer (Amreli)

Typical Amreli home loan: ₹17.00 L at 8.85% over 20 years = ₹15,132/month EMI. Total interest ₹19.32 L. Gujarat stamp duty: 4.9% + 1% registration = ~₹1.00 L extra.

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Mortgage Calculator

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$2,496

PITI

Principal + Interest

$1,996

58% goes to interest

Total Interest

$418,527

over 30 years

Monthly Breakdown

Principal & Interest$1,996

Property Tax (1.1%/yr)$344

Homeowner's Insurance (0.5%/yr)$156

Total Monthly$2,496

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

🥜 Amreli home loan landscape

Home loans in Amreli.

Typical ticket

₹17.00 L

mid-segment 2026

Typical rate

8.85%

prime borrower repo-linked

Stamp duty

5.9%

4.9% duty + 1% reg

Market overview

Amreli property rates sit at Rs 2,400-4,200 per sq ft in Lati Plot and Nagnath Society, with Chital Road newer launches at premium. Peanut and cotton trader cashflows drive cash-heavy deals; salaried buyers concentrate on Reliance Jamnagar and Pipavav Port commute roles. Supply is mostly 2-3 BHK independent floors with limited apartment culture.

What makes Amreli distinct

Amreli is the heart of Saurashtra's peanut belt — APMC arrivals here set national groundnut prices. Reliance Hazira-Jamnagar refinery and Pipavav Port jobs make it an unusual tier-3 with high-income salaried buyers commuting 80-120 km, creating a hybrid agri-trader plus oil-corridor mortgage market.

🏘️ Top micromarkets

Popular residential zones in Amreli.

Rajkamal Chowk

Lati Plot

Nagnath Society

Chital Road

Station Road Amreli

Bus Stand Area

Pipavav Road

Krushnanagar

🏦 Top lenders

Banks dominating Amreli home loans.

SBI: dominant Saurashtra lender, 8.55% for Reliance/Pipavav payroll employees

Bank of Baroda: strongest branch density in peanut belt for trader files

HDFC Ltd: pre-approved for Reliance Jamnagar staff with corporate tie-up

ICICI Bank: digital approvals for salaried, 8.75% floor

Top employers driving pre-approved home loan flows: APMC Amreli (peanut/groundnut mandi), Reliance Industries Jamnagar refinery (90km commute), Pipavav Port (APM Terminals), Amul Dairy collection (Amreli district), Gujarat Agro Industries, Bank of Baroda Amreli.

🧮 Worked example

₹17.00 L home loan in Amreli at 8.85% over 20 years

Loan amount

₹17.00 L

Annual interest rate

8.85%

Term

20 years (240 months)

Monthly EMI

₹15,132

Total interest paid

₹19.32 L

Total paid (principal + interest)

₹36.32 L

+ Stamp duty & registration (5.9%)

₹1.00 L

❓ FAQ

Amreli home loan questions.

EMI on Rs 17 lakh home loan in Amreli at 8.85% for 20 years? ▾

EMI is approximately Rs 15,131 per month. Total interest paid over 20 years is about Rs 19.31 lakh, and total outflow Rs 36.31 lakh. A 15-year tenure on the same loan would push EMI to Rs 17,950 but cut interest by nearly Rs 7 lakh.

Lowest home loan rate available in Amreli? ▾

SBI quotes 8.55% for Reliance Jamnagar and Pipavav Port salaried employees with CIBIL above 780. Bank of Baroda matches 8.60% for trader files with strong ITR history. HDFC is 8.65% pre-approved for corporate tie-ups.

Stamp duty math for a Rs 25 lakh flat in Amreli? ▾

Gujarat charges 4.9% stamp duty (Rs 1,22,500) plus 1% registration (Rs 25,000) = Rs 1,47,500. There is no women buyer discount in Gujarat, so the total is identical for joint or sole female ownership.