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Home Loan for ₹35,000 Salary

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

With a ₹35,000 net monthly salary and no other EMIs, you can typically get a home loan of about ₹20,16,540 at 8.5% over 20 years, with an EMI of up to ₹17,500 a month.

Eligible loan₹20.17 lakhat 8.5%, 20 years

Maximum EMI₹17,500half of take-home pay

Home you could buy₹22.41 lakhwith ₹2.24 lakh down payment

With a co-applicant₹40.33 lakhif they earn the same

Eligible loan at each bank

EMI up to ₹17,500 over 20 years, at each bank's advertised starting rate (a best case).

Bank	Starting rate	Eligible loan
Bank of MaharashtraHighest amount	7.25%	₹22,14,136
Indian Bank	7.35%	₹21,97,261
Canara Bank	7.40%	₹21,88,896
Punjab National Bank	7.45%	₹21,80,580
Central Bank of India	7.45%	₹21,80,580
State Bank of India	7.50%	₹21,72,312
Federal Bank	7.50%	₹21,72,312
Kotak Mahindra Bank	7.60%	₹21,55,919
IDFC FIRST Bank	7.75%	₹21,31,680
Axis Bank	8.00%	₹20,92,200
ICICI Bank	8.50%	₹20,16,540
HDFC Bank	8.50%	₹20,16,540

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	₹17,77,120	₹17,500
20 years	₹20,16,540	₹17,500
25 years	₹21,73,300	₹17,500
30 years	₹22,75,939	₹17,500

If you already pay EMIs

Existing EMIs	EMI left for a home loan	Eligible loan
None	₹17,500	₹20,16,540
₹2,000 a month	₹15,500	₹17,86,078
₹5,000 a month	₹12,500	₹14,40,385
₹10,000 a month	₹7,500	₹8,64,231

Frequently asked questions

How much home loan can I get on a ₹35,000 salary?

With a ₹35,000 net monthly salary and no other EMIs, banks typically allow an EMI of up to about ₹17,500. At 8.5% over 20 years that supports a home loan of about ₹20,16,540.

What price of home can I buy on a ₹35,000 salary?

About ₹22,40,600. Banks lend up to 90% of the property value at this loan size, so you would pay about ₹2,24,060 yourself, plus stamp duty and registration.

Which bank gives the highest home loan on a ₹35,000 salary?

At advertised starting rates, Bank of Maharashtra supports the most, about ₹22,14,136, 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 ₹35,000 salary?

Choose a longer tenure (30 years supports about ₹22,75,939), add a co-applicant (with a partner earning the same, about ₹40,33,079), 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 ₹30,000 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.