Home Loan Eligibility Calculator by Salary (Oct 2026)
Find the maximum home or personal loan you can get on your take-home salary, based on how banks assess repayment capacity.
Loan eligibility by monthly salary (50% FOIR)
| Net monthly salary | Home loan, 20 yr @ 7.5% | Home loan, 30 yr @ 7.5% | Personal loan, 5 yr @ 11% |
|---|---|---|---|
| ₹25,000 | ₹15,51,652 | ₹17,87,720 | ₹5,74,913 |
| ₹35,000 | ₹21,72,312 | ₹25,02,808 | ₹8,04,878 |
| ₹50,000 | ₹31,03,303 | ₹35,75,441 | ₹11,49,826 |
| ₹75,000 | ₹46,54,955 | ₹53,63,161 | ₹17,24,739 |
| ₹1,00,000 | ₹62,06,607 | ₹71,50,881 | ₹22,99,652 |
| ₹1,50,000 | ₹93,09,910 | ₹1,07,26,322 | ₹34,49,478 |
| ₹2,00,000 | ₹1,24,13,213 | ₹1,43,01,763 | ₹45,99,303 |
Frequently asked questions
How much home loan can I get on my salary?
Banks usually let total EMIs reach 40–60% of net monthly income (FOIR). At 50% FOIR and 7.5% for 20 years, every ₹10,000 of take-home pay supports roughly ₹6.2 lakh of home loan.
What is FOIR?
Fixed Obligation to Income Ratio: the share of your monthly income that goes to all EMIs. Lenders commonly cap it at 50%, a bit higher for high earners.
Do existing EMIs reduce eligibility?
Yes. Every rupee of an existing EMI reduces the EMI you can take on, which reduces the loan amount. Closing a small personal or car loan before applying can raise eligibility noticeably.
Can a co-applicant increase eligibility?
Yes. Adding an earning spouse or parent as co-applicant combines incomes, and women co-owners often get a slightly lower rate.