Affordable housing in Ahmedabad means a home priced at ₹45 lakh or less with a carpet area under 90 sq m. Homes that meet both conditions pay just 1% GST instead of 5%. In practice, affordable housing in Ahmedabad starts at around ₹17.2 lakh for a 1 BHK in Narol — and Ahmedabad remains India’s most affordable major housing market.
Key Takeaways
- ₹45 lakh and 90 sq m carpet — both, not either. Meet both and your home is affordable housing, and GST drops from 5% to 1%.
- Ahmedabad is India’s most affordable big city. A typical household’s EMI takes just 23% of income, against 69% in Mumbai (Knight Frank, H1 2026).
- Laxmi Group’s affordable housing starts at ₹17.2 lakh for a 1 BHK and ₹24 lakh for a 2 BHK — GujRERA-registered, ready to move, in Narol.
- Your bank uses a different line. The RBI treats a home costing up to ₹63 lakh in Ahmedabad as affordable for lending purposes.
On this page
What counts as affordable housing in Ahmedabad?
A home counts as affordable housing in Ahmedabad when it meets two conditions at once: the price is ₹45 lakh or less, and the carpet area is 90 sq m or less. Miss either and it does not qualify, however cheap it looks.
Condition 1
₹45 lakh or less
total price of the home
Condition 2
90 sq m carpet
about 969 sq ft — the Ahmedabad limit
That 1% rate applies only to under-construction homes. A ready-to-move flat with its building-use permission attracts no GST at all. See our guide to GST in real estate, and check what carpet area means — brochures quote the much larger super built-up area.
Your bank draws the line somewhere else
Since 1 April 2025 the RBI counts a home costing up to ₹63 lakh, with a loan up to ₹50 lakh, as affordable for lending in a city of Ahmedabad’s size. So a ₹55–60 lakh flat is not affordable to the taxman but is affordable to your bank — which can mean a better rate. Ask your lender.
Which Laxmi projects are affordable, and which are not
Every current Laxmi Group project, sorted by price, with an honest label on each. Four are genuinely affordable housing in Ahmedabad. The rest are not, and we say so rather than stretch the word. Every figure below was read from the project’s own page, not a brochure.
| Project | From | Configuration | Location | Status | Category |
|---|---|---|---|---|---|
| Laxmi Nivas | ₹17.2 L | 1 BHK 774 sq ft 2 BHK 1,080 sq ft | Narol | Ready to move | Affordable |
| Laxmi Aashiyana | ₹27 L | 2 BHK 1,035 sq ft | Narol | Ready to move | Affordable |
| Laxmi Courtyard | ₹30 L | 2 BHK, 135 & 155 sq yd | Narol | Newly launched, 2029 | Affordable |
| Laxmi Eternia | ₹40 L | 3 BHK 1,260 sq ft | Narol | Ready to move | Affordable |
| Laxmi Skycity | ₹60 L | 3 & 4 BHK, 1,350 sq ft | Nava Naroda | Ready to move | Mid — bank-affordable |
| The Universe by Laxmi | On request | Premium 3 BHK | S.P. Ring Road, Hanspura | Upcoming | Mid to premium |
| Laxmi One O1 | ₹88 L | 3 BHK, 220 sq yd | Bhadaj, Science City | Under construction, 2028 | Premium |
| Upcoming @ Sanathal | On request | 3 BHK | Sanathal | Upcoming | Not yet announced |
Affordable housing · 1% GST
Up to ₹45 lakh
Laxmi Nivas ₹17.2L · Laxmi Aashiyana ₹27L · Laxmi Courtyard ₹30L · Laxmi Eternia ₹40L
Not GST-affordable · still bank-affordable
₹45 lakh – ₹63 lakh
Laxmi Skycity ₹60L
Premium · no affordable benefit
₹63 lakh – ₹1.5 crore
Laxmi One O1 ₹88L
Luxury
Laxmi Group builds nothing in this band — and very little in Ahmedabad does.
The four affordable projects, in detail
All four sit in Narol, in south-east Ahmedabad — the city’s most affordable belt and the heart of affordable housing in Ahmedabad. Each is GujRERA-registered, each clears both conditions, and three are ready to move today.
Laxmi Nivas — the cheapest way in
From ₹17.2 lakh | Ready to move | Narol
The entry point to affordable housing in Ahmedabad. A 1 BHK of 774 sq ft starts at ₹17.2 lakh and a 2 BHK of 1,080 sq ft at ₹24 lakh. Because the building is complete, there is no GST to pay at all and the keys come on registration. Amenities run to a children’s play area, gym, indoor games room and a multipurpose hall.
GujRERA MAA01591 · Opp. Sangani Upvan Bungalows, Nr. Akruti Township, Narol–Aslali Highway · See Laxmi Nivas
Laxmi Aashiyana — a 2 BHK with room to breathe
From ₹27 lakh | Ready to move | Narol
A 2 BHK of 1,035 sq ft, designed around natural light and ventilation, a short walk from Laxmi Nivas. Comfortably inside both affordable housing conditions, and complete, so again no GST. It carries CCTV cover, a landscape garden, 24-hour water, a piped Adani gas line and an amphitheatre.
GujRERA MAA05811 · Opp. Laxmi Nivas, Nr. Akruti Township, Laxmi Circle – 1, Narol · See Laxmi Aashiyana
Laxmi Courtyard — the one still at launch price
From ₹30 lakh | Possession 2029 | Narol
375 homes on 2.26 acres, arranged around a planted podium, with 65 shops below. Two sizes, 135 and 155 sq yd. This is the only affordable housing project Laxmi has still under construction, which means it is the only one where the 1% GST rate actually applies — and it is at first-stage launch pricing.
GujRERA MAA12435 · Narol, Ahmedabad · See Laxmi Courtyard
Laxmi Eternia — a 3 BHK that still qualifies
From ₹40 lakh | Ready to move | Narol
The largest affordable option: a 3 BHK of 1,260 sq ft, finished, registered and waiting for keys. At ₹40 lakh it sits just inside the ₹45 lakh line — a three-bedroom home that still counts as affordable housing in Ahmedabad, which is unusual anywhere in the city. You can walk the actual flat you would buy.
GujRERA MAA05780 · Narol, Ahmedabad · See Laxmi Eternia
More affordable housing in Ahmedabad by budget: under ₹30 lakh, under ₹40 lakh, 2 BHK under ₹25 lakh, 1 BHK under ₹20 lakh.
The projects that are not affordable housing
Three cross the line, and two have not been priced yet. None of them counts as affordable housing, so none gets the 1% GST rate or a PMAY subsidy — worth knowing before you enquire.
Laxmi Skycity — above the tax line, inside the lending line
From ₹60 lakh | Ready to move | Nava Naroda
3 and 4 BHK apartments of about 1,350 sq ft across five 22-storey towers on 3.7 acres, with a swimming pool, party lawn and entrance plaza. At roughly ₹60 lakh it is past the ₹45 lakh GST line, so it is not affordable housing — but it is comfortably inside the RBI’s ₹63 lakh lending line, so no tax break, yet your loan can still be priority sector.
GujRERA MAA01853 · Nava Naroda, Ahmedabad · See Laxmi Skycity
Laxmi One O1 — premium, not luxury
From ₹88 lakh | Possession March 2028 | Bhadaj, Science City
112 homes in two towers, 3 BHK of 220 sq yd, with a sky garden and five shops at the gate. Bhadaj averages about ₹6,300 a sq ft; this works out nearer ₹4,450. It is firmly premium — but note that “premium” and “luxury” are not the same thing, and nothing Laxmi builds reaches the ₹2.5 crore mark where luxury begins.
GujRERA MAA12859 · Bhadaj, Science City · See Laxmi One O1
The Universe and Sanathal — not priced yet
The Universe by Laxmi on S.P. Ring Road at Hanspura is a premium 3 BHK project with a 100,000 sq ft podium, currently listed as upcoming with pricing on request. A second upcoming project at Sanathal, also 3 BHK, has not been priced either. Neither can be called affordable housing, or anything else, until the developer publishes a price.
Where to find affordable housing in Ahmedabad
Affordable housing in Ahmedabad sits in two belts:
- South-east — Narol, Vatva, Vastral, Lambha, Odhav. The cheapest new stock in the city, roughly ₹3,800–₹5,000 per sq ft. All four Laxmi affordable projects are here, and a 2 BHK still starts under ₹30 lakh.
- North-east — Naroda, Nava Naroda, Nikol, Hanspura. A step up in price and connectivity thanks to the S.P. Ring Road. Most housing in Ahmedabad’s north-east crosses the ₹45 lakh line, so it falls outside affordable housing.
For current rates street by street, see our Ahmedabad property price guide and the latest market trends.
Is there an affordable housing scheme in Ahmedabad?
Yes — two, and they work differently:
- PMAY-U 2.0 (Pradhan Mantri Awas Yojana – Urban) is an interest subsidy you claim on a home loan for a home you buy yourself. It covers EWS households (income up to ₹3 lakh a year), LIG (₹3–6 lakh) and MIG (₹6–9 lakh).
- AMC Awas Yojana is the allotment scheme run by the Ahmedabad Municipal Corporation with AUDA, under PMAY. You apply for a unit and flats are allotted by draw. It is a different route from buying on the open market.
Verify current eligibility, subsidy amounts and draw dates on the official AMC and PMAY portals before applying — they change by notification.
You may also have read about a new affordable housing scheme in Ahmedabad or a higher cap. Be careful: NITI Aayog proposed a ₹60 lakh metro limit in January 2026, and CREDAI asked on 2 October 2026 for the ₹45 lakh cap to be scrapped. Neither is law. The ₹45 lakh limit still stands, so plan around the rule that exists.
Tell us your budget — we will tell you what it really buys
Laxmi Group builds affordable housing in Ahmedabad from ₹17.2 lakh in Narol, up to ₹88 lakh in Bhadaj. Share your budget and we will tell you straight which limits you clear, what GST you would pay, and which homes fit. No obligation.
Affordable housing in Ahmedabad: frequently asked questions
What is the price limit for affordable housing in Ahmedabad?
₹45 lakh, and the carpet area must also be 90 sq m or less. Both conditions have to be met. Ahmedabad gets the 90 sq m limit rather than the tighter 60 sq m one because it is classed as a non-metro — only Delhi–NCR, Bengaluru, Mumbai, Chennai, Hyderabad and Kolkata use 60 sq m.
What is the cheapest affordable housing in Ahmedabad?
The south-east belt — Narol, Vatva, Vastral, Lambha and Odhav — has the cheapest new homes, at roughly ₹3,800 to ₹5,000 per sq ft. Laxmi Group’s affordable housing in Ahmedabad starts at ₹17.2 lakh for a 774 sq ft 1 BHK at Laxmi Nivas in Narol, which is ready to move.
Is ₹45 lakh enough to buy housing in Ahmedabad?
Comfortably, yes — ₹45 lakh is above the city median for a 2 BHK. It buys a 3 BHK in the south-east belt with room to spare, or a smaller home in Naroda or Nikol. It is also the exact point where the 1% GST rate stops, so staying at or under it is worth real money on an under-construction flat.
How much GST do I pay on affordable housing?
1% on an under-construction home that qualifies, against 5% on one that does not — neither with input tax credit. A ready-to-move home with its building-use permission in place attracts no GST at all, which is often the cheapest route of the three.
Is there a new affordable housing scheme in Ahmedabad in 2026?
No new scheme has been notified. PMAY-U 2.0 and the AMC Awas Yojana remain the affordable housing scheme routes in Ahmedabad. Two changes to the rules are proposed but not passed: a ₹60 lakh metro limit from NITI Aayog in January 2026, and CREDAI’s request on 2 October 2026 to remove the cap. Until one is notified, the ₹45 lakh rule applies.
Is Ahmedabad really India's most affordable housing market?
By the most widely used measure, yes. Knight Frank’s Affordability Index for H1 2026 put Ahmedabad top of India’s eight major markets, with EMIs taking 23% of a typical household’s income — against 35% in Bengaluru, 67% in Delhi–NCR and 69% in Mumbai.
Which Laxmi Group projects are not affordable housing?
Laxmi Skycity at about ₹60 lakh sits above the ₹45 lakh GST line but inside the RBI’s ₹63 lakh lending line, so it is mid-segment. Laxmi One O1 at ₹88 lakh is premium. The Universe at Hanspura and the upcoming Sanathal project have not been priced yet. None is luxury — that label does not apply below about ₹2.5 crore.
Jayesh Shah
Managing Director & Chairman, Laxmi Group (Laxmi Goldorna House Ltd) — an NSE-listed Ahmedabad developer that over 15+ years has delivered 5+ million sq ft and homes to 3,116 families across the city.
Sources
- PMAY-U 2.0 scheme guidelines — pmay-urban.gov.in (₹45 lakh value, 60/90 sq m carpet, EWS/LIG/MIG slabs).
- RBI, Master Directions on Priority Sector Lending 2025 — housing limits effective 1 Apr 2025. rbi.org.in
- NITI Aayog, A Comprehensive Framework to Promote Affordable Housing, Jan 2026 — niti.gov.in
- CREDAI, 2 Oct 2026 — proposal to remove the ₹45 lakh cap, as reported by Business Today.
- Knight Frank India, Affordability Index H1 2026 — EMI-to-income ratios, eight cities.
- Project prices, sizes, configurations, GujRERA numbers, addresses and status — read from each project’s own page on laxmigroup.co, 10 October 2026.