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Aapki Salary Par Kitna Personal Loan Milega? (₹15,000 se ₹1 Lakh Tak)
₹15,000 se ₹1 lakh तक har salary ke liye approx eligible loan amount — FOIR formula se calculate karke, jo har lender अंदर se use karta hai.
GGGaurav Gupta· Credit Specialist, GoCreditLast updated: 4 September 2026
Salary-wise Eligibility Table
Lender ka असली सवाल: aapki salary ka kitna hissa EMI mein ja sakta hai? Industry standard hai ~45% (FOIR). Us hisaab se, 60-month tenure @14% par: (₹12,000 se neeche zyada tar lenders loan nahi dete — minimum salary floor hota hai.)
| Monthly Salary | Max EMI Capacity (45%) | Approx Eligible Loan |
|---|---|---|
| ₹12,000 | ₹5,400 | ₹2,30,000 (approx) |
| ₹15,000 | ₹6,750 | ₹2,90,000 (approx) |
| ₹20,000 | ₹9,000 | ₹3,80,000 (approx) |
| ₹25,000 | ₹11,250 | ₹4,80,000 (approx) |
| ₹30,000 | ₹13,500 | ₹5,80,000 (approx) |
| ₹40,000 | ₹18,000 | ₹7,70,000 (approx) |
| ₹50,000 | ₹22,500 | ₹9,60,000 (approx) |
| ₹75,000 | ₹33,750 | ₹14,50,000 (approx) |
| ₹1,00,000 | ₹45,000 | ₹19,30,000 (approx) |
Yeh approx numbers hain — final amount aapke CIBIL, existing EMIs aur employer category par depend karta hai. Existing EMI hai to woh capacity mein se ghat jaati hai.
FOIR — Woh Formula Jo Lender Use Karta Hai
FOIR = (saari monthly EMIs + नई EMI) ÷ net salary. Zyada-tar lenders 40-50% se upar nahi jaate.
Example: salary ₹30,000, koi existing EMI nahi → EMI capacity ₹13,500. 60 months @14% par har ₹1 lakh ki EMI ₹2,327 hoti hai → eligible ≈ ₹5,80,000.
Agar ₹5,000 ki bike EMI already chal rahi hai → capacity ₹8,500 bachti hai → eligibility usi ratio mein girti hai.
Eligibility Badhane Ke 4 Tarike
- ✅**Existing EMIs khatam karein** — chhota consumer-durable loan band karne se bhi capacity khulti hai.
- ✅**Tenure lamba chunein** — 36 ki jagah 60 months par same salary par zyada amount eligible hota hai (par total interest zyada lagta hai).
- ✅**CIBIL 750+ rakhein** — sirf eligibility nahi, rate bhi behtar milta hai; kam rate = kam EMI = zyada eligible amount.
- ✅**Co-applicant jodein** — spouse ki income judne se capacity badh jaati hai.
Documents — Salaried Ke Liye
PAN, Aadhaar, 3-6 months ki salary slips, 6 months ka bank statement, aur kabhi-kabhi Form 16. App-based NBFC lenders mein zyada-tar kaam sirf PAN + Aadhaar + bank statement se ho jaata hai.
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अक्सर पूछे जाने वाले सवाल (FAQ)
₹20,000 salary par kitna loan milega?
Approx ₹3,80,000 tak (60 months, ~14%, koi existing EMI nahi maankar). CIBIL accha ho to thoda zyada bhi possible hai.
₹30,000 salary par?
Approx ₹5,80,000 tak same assumptions par. Existing EMI hogi to kam.
Minimum salary kitni chahiye personal loan ke liye?
Bank aksar ₹25,000+ maangte hain; NBFC apps ₹13,500-15,000 net salary se bhi consider karte hain, par rate zyada hota hai.
Cash salary par loan milega?
Bank transfer wali salary zaroori hai zyada-tar lenders ke liye. Cash salary ho to bank statement mein regular deposits dikhana padta hai, options kam hote hain.
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