Home loans in GIFT City.
At roughly ₹11,000 per square foot, GIFT City is a different loan from anything else in the district — bigger tickets, a leasehold structure rather than freehold, and an employer profile that lenders like but a title structure some of them are still cautious about.
Market rate as on 2 Sept 2026. Indicative.
What actually decides a file here.
The land is leasehold, held through GIFT SEZ, which is not the freehold title most lenders' standard templates assume. Confirm the lender is comfortable with the tenure before you pay a booking amount.
Ticket sizes here push past the ₹75 lakh band where LTV drops to 75%, so your own contribution is materially larger than for the same buyer in Kudasan.
Registration
What you pay at the sub-registrar.
Charged on whichever is higher of the jantri value and your agreement value — so a keen price does not always mean a smaller bill. We assist you through it, so there are no surprises on the day.
Work out your own →Asked often about GIFT City.
Can I get a home loan for a GIFT City apartment?
Yes, but not from every lender. GIFT City property is held on a leasehold basis through the SEZ rather than freehold, and lenders differ on how they treat that tenure and how long a residual lease they require. Confirm your lender's position in writing before you pay a booking amount.
Nearby
Buying in GIFT City?
Send the scheme or survey number. We will tell you which lenders already fund it before you fill in a single form.