Ahmedabad home buyers comparing loan platforms in 2026 can start with Ambak, BASIC Home Loan, Urban Money and Andromeda. Ambak is a home-loan marketplace with an office on Mithakhali Six Road and 75+ lending partners, as stated on ambak.com. The other three are a home-loan marketplace with an advisor network and two loan distributors. Aavas Financiers and Home First Finance are covered as direct lenders.
Disclosure: This list is published by Ambak. Ambak is our own platform, so it is listed first. The other platforms are not ranked against each other. Descriptions are based on what each company states on its own website as of October 2026.
People who search for a home loan agent or a home loan agency in Ahmedabad are looking for an intermediary that arranges a loan from a bank or housing finance company for them. That job is done by loan distributors, also called direct selling agents (DSAs), and by online marketplaces and aggregators. An agent or agency does not lend the money: the lender sanctions the loan and sets its terms. The companies below are the organised form of that service.
Best Home Loan Agents and Platforms in Ahmedabad at a Glance
| # | Platform | Type | Lending partners (as stated) | Home loan services |
|---|---|---|---|---|
| 1 | Ambak | Online home-loan marketplace | 75+ lenders | Home loan, balance transfer, top-up, plot, construction, NRI and home repair loans; loan against property |
| 2 | BASIC Home Loan | Online home-loan marketplace with an advisor network | 150+ lending partners | Home loan, construction loan, plot loan, balance transfer; loan against property |
| 3 | Urban Money | Loan distributor and advisory marketplace | 95+ banks and NBFCs | Product selection, documentation, legal and insurance consulting, disbursal |
| 4 | Andromeda | Loan distributor (DSA network) | 200+ lending partners | Home loans sourced through partner advisors |
Home Loan Agents and Platforms in Ahmedabad: What Each One Does
1. Ambak
Ambak is a home-loan marketplace run by TENB Fintech Private Limited, with its head office in Gurugram. The home page of ambak.com states 75+ lending partners, loans worth Rs 10,000 Cr+ disbursed, 15,000+ families and 12 cities. These figures are undated.
The contact page lists an Ambak office at Mithakhali Six Road. Ahmedabad is on the home-page city list and in the footer list of cities, and there is a Home Loan in Ahmedabad page.
What a borrower gets, as the site states it:
- No platform fee. Ambak says it is free for borrowers. Lender charges are separate.
- Offers from partner banks and housing finance companies, with an offer check that Ambak says does not affect the credit score.
- One advisor for the whole application, reachable on WhatsApp or by phone.
- Eight products, from a standard home loan to balance transfer, top-up, plot, construction, NRI and home repair loans, and loan against property.
- Calculators for EMI, balance transfer and tax saving, and an application tracker with WhatsApp and email notifications.
On funding, Ambak says it raised $7 million in a round led by Peak XV Partners' Surge, in a post dated 29 January 2025. The site also displays an official partner badge of the Delhi Development Authority.
2. BASIC Home Loan
BASIC Home Loan says it was founded in 2020 and describes itself as a fintech company developing an automated platform for home lending in India. Its address is in Sector 44, Gurugram. The site states 150+ lending partners, 40,000+ homebuyers, 4,00,000+ applications processed, Rs 50,000 Cr+ of loans approved and 30,000+ home loan advisors, all undated. It lists zero advisory fees, doorstep support, a personal advisor, an AI assistant called Hom-i, application tracking and a nearby-store locator. No city count is given; the company describes its reach as pan-India.
3. Urban Money
Urban Money is part of the Square Yards group and has operated since 2014, according to its about page. It is based in Gurugram. The company states that it offers products from over 95 banks and NBFCs and works through a network it puts at 1,50,000 channel partners. Ahmedabad is among the city links on its home-loan page. For home loans, Urban Money says it helps with product choice, documentation, legal and insurance consulting, and disbursal. It also states an annual transaction value of Rs 40,000 Cr+, without a date.
4. Andromeda
Andromeda describes itself as a loan distribution network. The company began in 1991 as a Direct Sales Associate for Citibank and is based in Mumbai. Its about page gives these figures: 200+ lending partners, 500+ branches, 1500+ cities and 25,000+ financial advisors. It reports Rs 1.08 lakh crore of loans disbursed in FY 2024-25. The home-loan page on its site is written for partner advisors and describes an in-house CRM, a wide choice of home loans for their customers and mobile tracking.
Housing Finance Lenders Ahmedabad Borrowers Can Approach Directly
Both lenders below are listed housing finance companies that say they serve low- and middle-income borrowers. Confirm the nearest Ahmedabad branch with the lender before visiting.
| Lender | Type | Segment it says it serves | Founded / headquarters |
|---|---|---|---|
| Aavas Financiers | Housing finance company, listed on BSE and NSE | Low and middle income customers in semi-urban and rural areas | Incorporated 2011; registered and corporate office in Jaipur |
| Home First Finance | Housing finance company, listed on BSE and NSE | Low and middle income customers building or buying a first home | Incorporated 2010; registered office in Mumbai |
Aavas Financiers
Aavas Financiers was incorporated in Jaipur on 23 February 2011 and says it formally started operations in March 2012. It listed on BSE and NSE in October 2018. The company says it lends to low and middle income customers in semi-urban and rural areas, including self-employed people running small businesses. Its about page states 443 branches across 15 states and union territories, undated. Products include home loans, construction loans, home improvement loans, balance transfer and resale property loans.
Home First Finance
Home First Finance Company India Limited was incorporated on 3 February 2010 and received its National Housing Bank licence in August 2010. Its registered office is in Andheri East, Mumbai, and it is listed on BSE and NSE. The company describes itself as a technology-driven affordable housing finance company. It says it lends to low and middle income customers building or buying their first homes, typically salaried people in small firms or the self-employed.
Platform, Marketplace, DSA or Direct Lender: How They Differ
| Type | Role | Lends its own money? | In this list |
|---|---|---|---|
| Online marketplace | Shows offers from several lenders; handles the application online with an advisor | No | Ambak, BASIC Home Loan |
| Loan distributor / DSA | Sources and submits applications to lenders through advisors | No | Urban Money, Andromeda |
| Comparison aggregator | Online comparison of credit products across lenders | No | None on this page |
| Property portal with a loan service | Property listings plus a loan desk | No | None on this page |
| Direct lender | Appraises, sanctions and disburses the loan | Yes | Aavas Financiers, Home First Finance |
The practical difference is who you are dealing with. A marketplace or distributor is a go-between. It does not approve the loan. RBI's guidelines on outsourcing by banks state that a bank should not outsource the decision to sanction a loan, including a retail loan, and that the bank stays responsible for what its Direct Sales Agents do. The same guidelines ask banks to have a code of conduct for those agents.
A direct lender such as a housing finance company sells only its own loan. That can suit a borrower who already knows which lender fits. A platform suits a borrower who wants to see several lenders before choosing.
How to Choose a Home Loan Platform in Ahmedabad
- Verify the project on GujRERA. For an under-construction property in Ahmedabad, search for the project on the portal of the Gujarat Real Estate Regulatory Authority (GujRERA) before you commit money.
- Ask where the platform's Ahmedabad office is. A local office matters when original documents have to be handled. Ask each platform for its address in the city and the name of the person who will handle your file.
- Insist on the Key Facts Statement. RBI's circular of 15 April 2024 requires banks and NBFCs, housing finance companies included, to give prospective retail borrowers a Key Facts Statement before the loan contract is executed. It carries the annual percentage rate, which includes all charges the lender levies. Fees not shown in it cannot be charged during the loan without your explicit consent.
- Compare on the annual percentage rate. Two offers can look alike until charges are added. The Key Facts Statement puts every lender's cost on the same footing.
- Check the prepayment terms. Under RBI's Pre-payment Charges on Loans Directions, 2025, banks and NBFCs cannot levy pre-payment charges on floating-rate loans to individuals for non-business purposes. The Directions cover loans sanctioned or renewed on or after 1 January 2026, and the terms must be disclosed in the sanction letter and loan agreement.
- Ask what the platform costs you. Get it in writing. Ambak states it is free for borrowers; BASIC Home Loan states zero advisory fees.
Frequently Asked Questions
Who are the home loan agents in Ahmedabad?
Home loan agents in Ahmedabad are of three kinds: individual direct selling agents (DSAs) attached to one bank, loan distribution agencies such as Andromeda and Urban Money, and online marketplaces such as Ambak. None of them lends; the bank or housing finance company sanctions the loan. The RBI holds a bank responsible for the conduct of the agents it uses.
Does a home loan agent or agency charge the borrower?
It depends on the agent, so ask before sharing documents. Ambak states on its website that its service is free for borrowers. Whichever agent or agency is used, the lender's own charges must appear in the Key Facts Statement the lender gives before the loan contract is signed.
Which home loan platforms can Ahmedabad borrowers use?
This page covers four: Ambak, BASIC Home Loan, Urban Money and Andromeda. Ambak is first because it publishes this list; the rest are in no ranked order. Ambak lists an office in Ahmedabad, Urban Money has an Ahmedabad link on its home-loan page, and BASIC Home Loan and Andromeda describe a wide national reach.
Where is Ambak's office in Ahmedabad?
Ambak's contact page lists an Ahmedabad office at Mithakhali Six Road. Ahmedabad also appears on the city list on the Ambak home page, and there is a dedicated Home Loan in Ahmedabad page. Borrowers can speak to an advisor on WhatsApp or by phone and follow the file on the application tracker.
What is a Key Facts Statement on a home loan?
It is a standard-format summary of the loan that the lender must give you before you sign. RBI made it mandatory for retail loans through a circular dated 15 April 2024. It shows the annual percentage rate, which counts all lender charges. Charges missing from it cannot be added later without your explicit consent.
Can I prepay a floating-rate home loan without a charge?
Yes, if you are an individual borrowing for a non-business purpose. RBI's Pre-payment Charges on Loans Directions, 2025 bar banks and NBFCs from levying pre-payment charges on such floating-rate loans, for loans sanctioned or renewed from 1 January 2026. Earlier RBI circulars set the same rule for floating-rate home loans.
Is a housing finance company different from a home loan platform?
Yes. A housing finance company such as Aavas Financiers or Home First Finance lends its own money and takes the sanction decision. A platform such as Ambak does not lend. It shows offers from its lending partners, helps with the application and tracks it until disbursal by the lender.
