The answer to this is entirely upto individual lenders who each have their own criteria to determine the maximum amount of loan you maybe approved for. However, there are certain maximum loan amount restrictions that are published by individual lenders and that can provide you an idea of the maximum loan amount you can expect to get. At Loanbazaarnoida.com, we use lender provided information to calculate and provide you with the maximum loan amounts you can expect based on your loan criteria and personal financial background such as income and assets. Some examples of the conditions lenders provide as a basis for maximum loan amount eligibilty are as follows: Max loan amount as a multiple of your income: Some lenders may specify that you are eligible for a maximum loan of some multiple of your net monthly income (NAI), gross monthly income (GMI), net annual income (NAI) or gross annual income (GAI). For example, a lender may give a maximum loan of 60 times your NAI. This can also depend on whether the borrower is Salaried or Non-Salaried, the age of the borrower, years to retirement etc. Ratio of EMI/NMI or EMI/GMI: Some lenders may have a limit on the amount of money you pay each month for your loan (which is EMI) as a percentage of your Net Monthly Income (NMI) or Gross Monthly Income (GAI). This is basically represented by giving a maximum ration of EMI/NMI or EMI/GMI allowed. The EMI/NMI or EMI/GMI ratios can be anywhere between 30%-70% depending on your financial background, age etc. Absolute Maximum Amount: Lenders may also have an absolute maximum limit of the amount of loan they give for home loans such as Rs. 50 lakhs.