Basics3 min read · Updated 23 October 2026
HDFC Bank home loan eligibility: how much loan you can get on your salary
How much HDFC Bank home loan your salary can support, with a table from ₹40,000 to ₹2 lakh take-home, the RBI loan-to-value limits and what raises the amount.
How HDFC Bank home loan eligibility works
Banks check two limits and lend the lower one. The first is your income: they allow all your EMIs together to take a share of your income, often called FOIR, and the loan must fit inside what is left after your existing EMIs and card dues. The second is the RBI limit on the loan against the home value.
HDFC Bank lists a wide rate range that depends on your credit score, so the same salary can support a different loan at 8.5% than at a higher rate.
Loan amount by monthly take-home at HDFC Bank
For a 20-year loan, age 32, no other EMIs and EMIs up to 50% of take-home pay. The starting rate listed for HDFC Bank is 8%, from the HDFC Bank rate page, checked 2026-10-17. The last column adds one point to show how a higher rate cuts the loan.
| Monthly take-home | Loan at 8% | Loan at 9% |
|---|---|---|
| ₹40,000 | ₹23.9 lakh | ₹22.2 lakh |
| ₹60,000 | ₹35.9 lakh | ₹33.3 lakh |
| ₹80,000 | ₹47.8 lakh | ₹44.5 lakh |
| ₹1,00,000 | ₹59.8 lakh | ₹55.6 lakh |
| ₹1,50,000 | ₹89.7 lakh | ₹83.4 lakh |
| ₹2,00,000 | ₹119.6 lakh | ₹111.1 lakh |
Your own rate is set by your credit score, income and the property, so it can be higher than the starting rate.
What changes the amount
On ₹1,00,000 take-home at 8% for 20 years:
- No other loans: about ₹59.8 lakh.
- With ₹15,000 of existing EMIs: about ₹41.8 lakh.
- With a co-applicant earning ₹50,000: about ₹89.7 lakh.
- If you are 45 and the loan must end by 60, the tenure is 15 years and the loan is about ₹52.3 lakh.
Clearing ₹1,000 of existing EMI adds about ₹1.20 lakh to what you can borrow at this rate and tenure.
The loan against home value limit
Even if your income supports more, the RBI limits the loan against the value of the home. You pay the rest as a down payment.
| Home price | Largest loan | Down payment |
|---|---|---|
| ₹20 lakh | ₹18 lakh | ₹2 lakh |
| ₹50 lakh | ₹40 lakh | ₹10 lakh |
| ₹1 crore | ₹75 lakh | ₹25 lakh |
Stamp duty, registration and other costs are extra.
HDFC Bank rate on your loan
HDFC Bank is listed from 8% up to 13.45% (the HDFC Bank rate page, 2026-10-17). The bank's page also shows a 7.20% headline that its own table does not back up. Check before relying on it. A higher score and a lower loan-to-value usually give a lower rate. If the rate you are offered is higher than the listing, ask why before you accept.
Common questions
How much home loan can I get from HDFC Bank on my salary?
As a guide, ₹1,00,000 of take-home pay with no other loans supports about ₹59.8 lakh over 20 years at 8%, if EMIs may take 50% of income. HDFC Bank decides on its own rules.
Does a co-applicant increase HDFC Bank home loan eligibility?
Yes. Their income is added to yours, so the loan can be larger. Their existing EMIs count too.
What is the RBI limit on a home loan against the property value?
Up to ₹30 lakh the loan can be 90% of the value, from ₹30 lakh to ₹75 lakh 80%, and above ₹75 lakh 75%.
Do existing EMIs reduce HDFC Bank home loan eligibility?
Yes. They use up part of the share of income the bank allows for EMIs. Clearing them first can raise the loan.