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Home Loan for ₹75,000 Salary

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

With a ₹75,000 net monthly salary and no other EMIs, you can typically get a home loan of about ₹43,21,156 at 8.5% over 20 years, with an EMI of up to ₹37,500 a month.

Eligible loan₹43.21 lakhat 8.5%, 20 years

Maximum EMI₹37,500half of take-home pay

Home you could buy₹54.01 lakhwith ₹10.8 lakh down payment

With a co-applicant₹86.42 lakhif they earn the same

Eligible loan at each bank

EMI up to ₹37,500 over 20 years, at each bank's advertised starting rate (a best case).

Bank	Starting rate	Eligible loan
Bank of MaharashtraHighest amount	7.25%	₹47,44,577
Indian Bank	7.35%	₹47,08,416
Canara Bank	7.40%	₹46,90,492
Punjab National Bank	7.45%	₹46,72,672
Central Bank of India	7.45%	₹46,72,672
State Bank of India	7.50%	₹46,54,955
Federal Bank	7.50%	₹46,54,955
Kotak Mahindra Bank	7.60%	₹46,19,826
IDFC FIRST Bank	7.75%	₹45,67,887
Axis Bank	8.00%	₹44,83,286
ICICI Bank	8.50%	₹43,21,156
HDFC Bank	8.50%	₹43,21,156

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	₹38,08,113	₹37,500
20 years	₹43,21,156	₹37,500
25 years	₹46,57,071	₹37,500
30 years	₹48,77,012	₹37,500

If you already pay EMIs

Existing EMIs	EMI left for a home loan	Eligible loan
None	₹37,500	₹43,21,156
₹2,000 a month	₹35,500	₹40,90,695
₹5,000 a month	₹32,500	₹37,45,002
₹10,000 a month	₹27,500	₹31,68,848
₹20,000 a month	₹17,500	₹20,16,540

Frequently asked questions

How much home loan can I get on a ₹75,000 salary?

With a ₹75,000 net monthly salary and no other EMIs, banks typically allow an EMI of up to about ₹37,500. At 8.5% over 20 years that supports a home loan of about ₹43,21,156.

What price of home can I buy on a ₹75,000 salary?

About ₹54,01,446. Banks lend up to 80% of the property value at this loan size, so you would pay about ₹10,80,289 yourself, plus stamp duty and registration.

Which bank gives the highest home loan on a ₹75,000 salary?

At advertised starting rates, Bank of Maharashtra supports the most, about ₹47,44,577, 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 ₹75,000 salary?

Choose a longer tenure (30 years supports about ₹48,77,012), add a co-applicant (with a partner earning the same, about ₹86,42,313), 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 ₹35,000 salary ₹40,000 salary ₹50,000 salary ₹60,000 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.