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Home Loan for ₹30,000 Salary

Updated 1 November 2026Rates from official bank websitesHow we check rates

With a ₹30,000 net monthly salary and no other EMIs, you can typically get a home loan of about ₹17,28,463 at 8.5% over 20 years, with an EMI of up to ₹15,000 a month.

Eligible loan₹17.28 lakhat 8.5%, 20 years

Maximum EMI₹15,000half of take-home pay

Home you could buy₹19.21 lakhwith ₹1.92 lakh down payment

With a co-applicant₹34.57 lakhif they earn the same

Eligible loan at each bank

EMI up to ₹15,000 over 20 years, at each bank's advertised starting rate (a best case).

Bank	Starting rate	Eligible loan
Bank of MaharashtraHighest amount	7.25%	₹18,97,831
Indian Bank	7.35%	₹18,83,366
Canara Bank	7.40%	₹18,76,197
Punjab National Bank	7.45%	₹18,69,069
Central Bank of India	7.45%	₹18,69,069
State Bank of India	7.50%	₹18,61,982
Federal Bank	7.50%	₹18,61,982
Kotak Mahindra Bank	7.60%	₹18,47,930
IDFC FIRST Bank	7.75%	₹18,27,155
Axis Bank	8.00%	₹17,93,314
ICICI Bank	8.50%	₹17,28,463
HDFC Bank	8.50%	₹17,28,463

Check your own numbers

Net monthly income (₹)

Existing EMIs per month (₹)

Interest rate (% p.a.)

Tenure (years)

EMI limit (% of income)

How tenure changes your loan

Tenure	Eligible loan at 8.5%	EMI
15 years	₹15,23,245	₹15,000
20 years	₹17,28,463	₹15,000
25 years	₹18,62,829	₹15,000
30 years	₹19,50,805	₹15,000

If you already pay EMIs

Existing EMIs	EMI left for a home loan	Eligible loan
None	₹15,000	₹17,28,463
₹2,000 a month	₹13,000	₹14,98,001
₹5,000 a month	₹10,000	₹11,52,308
₹10,000 a month	₹5,000	₹5,76,154

Frequently asked questions

How much home loan can I get on a ₹30,000 salary?

With a ₹30,000 net monthly salary and no other EMIs, banks typically allow an EMI of up to about ₹15,000. At 8.5% over 20 years that supports a home loan of about ₹17,28,463.

What price of home can I buy on a ₹30,000 salary?

About ₹19,20,514. Banks lend up to 90% of the property value at this loan size, so you would pay about ₹1,92,051 yourself, plus stamp duty and registration.

Which bank gives the highest home loan on a ₹30,000 salary?

At advertised starting rates, Bank of Maharashtra supports the most, about ₹18,97,831, because a lower rate means more loan for the same EMI. Your actual rate depends on your credit score.

How can I get a bigger loan on a ₹30,000 salary?

Choose a longer tenure (30 years supports about ₹19,50,805), add a co-applicant (with a partner earning the same, about ₹34,56,925), close small loans first, and keep your credit score above 750.

Home loan on other salaries

₹15,000 salary ₹20,000 salary ₹25,000 salary ₹35,000 salary ₹40,000 salary ₹50,000 salary ₹60,000 salary ₹75,000 salary ₹1 lakh salary ₹1.5 lakh salary ₹2 lakh salary

How we checked these rates

Bank of Maharashtra: bank's official page, checked 1 November 2026. Based on credit score, loan amount and profession. The bank's blog mentions 7.10%; we use the rate shown on its home loan page.
Indian Bank: bank's official page, checked 1 November 2026. IB Home Loan floating rate range 7.35% to 8.80%.
Canara Bank: bank's official page, checked 1 November 2026. Effective from 9 October 2026. Floor rate: women borrowers in the best credit grade, loans above ₹1 crore. Fee, prepayment and tenure from the bank's housing loan page.
Punjab National Bank: bank's official page, checked 1 November 2026. Effective from 1 October 2026. CIBIL score 800+ and loan-to-value up to 80%; festive campaign rate valid 01.10.2026 to 31.12.2026. Fixed-rate option from 8.45% (tenure up to 10 years).
Central Bank of India: bank's official page, checked 1 November 2026. Cent Home, 7.45% to 9.00% based on credit score; Cent Grih Lakshmi (women borrowers) from 7.25%.
State Bank of India: bank's official page, checked 1 November 2026. Effective from 15 October 2026. Rate taken from the bank's published rate chart (ROI 7.50% p.a. onwards, with effect from 15.10.2026).
Federal Bank: bank's official page, checked 1 November 2026. Term loans above ₹35 lakh (7.50% to 9.25%); 1% higher for smaller loans.
Kotak Mahindra Bank: bank's official page, checked 1 November 2026.
IDFC FIRST Bank: bank's official page, checked 1 November 2026.
Axis Bank: bank's official page, checked 1 November 2026. 8.00% to 8.85% for a CIBIL score of 751 and above; 8.20% to 9.10% for 750 or below. Taken from the bank's rate table. An FAQ on the same page says rates start 'as low as 8.75%'.
ICICI Bank: bank's official page, checked 1 November 2026.
HDFC Bank: bank's official page, checked 1 November 2026. For a credit score of 800 and above.

We only publish rates we can trace to the bank's own website, and an automated check re-reads them every week. Always confirm with the bank before you apply. Read our method.