Buy or rent in Paldi, Ahmedabad? (2026)
Updated November 2026 · Typical 2BHK, 20-year view
Even if prices keep rising at Paldi’s 10-year trend of 6.4% a year, renting and investing the money you would have spent on the home leaves you about ₹2.06 Cr richer after 20 years.
Buying wins only if prices grow faster than 9.9% a year. Paldi’s 10-year trend is 3.5 points below that.
Paldi in numbers
The 20-year comparison
The buyer pays the down payment and stamp duty on day 1, then the EMI and maintenance each month. The renter puts the same day-1 money into a Nifty 50 index fund, pays rent, and each month invests whatever the buyer spends over rent. Whoever spends less in a month invests the difference, so both start and continue with the same money.
| Cash on day 1 (20% down + 7% stamp duty) | ₹18,90,000 |
|---|---|
| Monthly EMI | ₹48,598 |
| Owning costs more than renting in year 1 by | ₹33,515/mo |
| Home value after 20 years | ₹2.42 Cr |
| Buyer’s wealth (home, loan repaid, + any invested surplus) | ₹2.42 Cr |
| Renter’s Nifty 50 portfolio | ₹4.48 Cr |
| Difference | Renting ahead by ₹2.06 Cr |
| Buyer’s annual return (IRR) | 7.8% vs 12% for the fund |
Rent avoided is the buyer’s return on the flat, on top of price growth. Here that is a 3.1% yield, against a 8.5% loan rate, which is why price growth has to do most of the work for buying to win.
About Paldi
Paldi is an established south-central Ahmedabad area west of the Sabarmati, near the riverfront. It has older societies, newer towers and access to the Red Line metro and BRTS.
- Riverfront access
- Red Line metro
- Established area
- Central location
Major employers nearby: Offices in central Ahmedabad, Local businesses.
Getting around
- Metro: Red Line: Paldi station
- Highway: Ashram Road; Sabarmati Riverfront Road
- Peak traffic: Moderate at peaks
- Congestion: Moderate
Schools
- Schools in Paldi (Various) — Several local schools
Nearby
- Hospitals: Hospitals in Paldi
- Malls: Local retail
- Parks: Sabarmati Riverfront
Investment view
Paldi offers central access at moderate prices. 2BHK rents run about ₹17,000–20,000/mo. Good for buyers who want a central location.
Other localities in Ahmedabad
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- Chandkheda Rent and Invest wins
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- Vastral Rent and Invest wins
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See all Ahmedabad localities side by side →
Questions people ask
Is it better to buy or rent in Paldi?
Even if prices keep rising at Paldi’s 10-year trend of 6.4% a year, renting and investing the money you would have spent on the home leaves you about ₹2.06 Cr richer after 20 years. Buying wins only if prices grow faster than 9.9% a year. Paldi’s 10-year trend is 3.5 points below that. This assumes a typical 2BHK at about ₹70 L, 8.5% home loan for 20 years and a Nifty 50 index fund at 12% a year for the renter.
What is the rental yield in Paldi?
About 3.1% gross for a typical 2BHK: roughly ₹18,000 a month on a home worth about ₹70 L. That is a price-to-rent ratio of 32, meaning the home costs 32 years of rent.
What is the EMI on a 2BHK in Paldi?
About ₹48,598 a month on a ₹56 L loan (20% down on a ₹70 L home) at 8.5% for 20 years. In year 1, owning costs about ₹33,515 a month more than renting the same flat, after maintenance.
How fast have property prices grown in Paldi?
About 6.4% a year on average over 2014–2024, with rents growing about 4.4% a year (Blended 10-yr trend (2014–2024) · RBI House Price Index, Anarock Research, 99acres, Knight Frank). Past growth is not a promise of future growth.