How much personal loan can I get on a ₹30,000 salary?
On ₹30,000 a month, a loan of ₹1 lakh or more can be within reach. What you can comfortably repay matters more than what you can get.
Lenders and a ₹30,000 salary
- 2 of 4 lenders for salaried applicants publish a minimum monthly income that ₹30,000 meets.
- 2 publish no minimum; they still check that your income can carry the EMI.
- 0 ask for more.
Lender rules as listed on 4 Nov 2026; each lender can change them.
What an EMI of about ₹10,000 repays
If ₹30,000 is your take-home pay and you have no other EMIs, a third of it is about ₹10,000 a month. At the rates listed for each term by the lenders open to you, that EMI repays roughly:
| Repay over | At the highest listed rate | At the lowest listed rate |
|---|---|---|
| 12 months | ₹99,000 (36%) | ₹1.12 lakh (12%) |
| 24 months | ₹1.69 lakh (36%) | ₹2.12 lakh (12%) |
| 36 months | ₹2.35 lakh (30%) | ₹3.01 lakh (12%) |
Reducing-balance EMI, no fees. Only lenders that list each term are counted, and amounts are capped at the largest they list. The amount you are offered is the lender’s decision.
Applications are made in the Innopay app: choose the amount you need there and see the offers available to you. The lender decides approval.
Apply in the Innopay appFrequently asked questions
How much personal loan can I get on ₹30,000 a month?
As a budget check, an EMI of about a third of your salary repays the amounts shown on this page over 12, 24 or 36 months. The amount you are offered is the lender's decision.
I already pay an EMI. How does that change things?
Subtract your existing EMIs from the budget first: the third-of-salary rule of thumb covers all your EMIs together, not just the new loan.