Earning a Rs. 1,00,000 monthly salary in India generally qualifies you for a high value personal loan. So, if you want to know: how much personal loan can I get on 100000 salary, I must say that this depends on the approach that lenders adopt. There are mainly 2 approaches: multiplier method, and FOIR method. This loan will be unsecured, subject to standard eligibility checks and documentation.
Lenders typically use the multiplier method, where they multiply your monthly income (commonly between 10× and 20×) to arrive at a potential loan figure. Based on this method, a Rs. 1 lakh income could translate to a loan between Rs. 10 lakh and Rs. 20 lakh, depending on your creditworthiness and lender policy.
Additionally, the EMI-to-income ratio (also known as fixed-obligations-to-income or debt-to-income ratio) caps monthly EMI commitments to roughly 40 to 50% of your net salary. For a Rs. 1 lakh salary, this equates to EMIs of Rs. 40,000 to Rs. 50,000 per month. With an interest rate around 10% p.a., a loan of around Rs. 20 to 25 lakh might generate such EMIs over a 3 to 5 year tenure.
There are a few lenders, for instance, Bajaj Finserv which sets a broad maximum of Rs. 55 lakh for eligible salaried borrowers (within city specific minimum salary thresholds), provided you meet criteria like age (21 to 80 years), Indian citizenship, stable employment (private, public or MNC), and a CIBIL score of 685 or higher.
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How Much Personal Loan can I Get on 100000 Salary?
hardik5
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6 months
2025-08-05T06:28:17+00:00 2025-08-05T06:28:19+00:00Comment
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