Loan Eligibility Calculator India
See how much you can borrow in India on your salary in INR, and what India banks actually require before they approve you.
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Borrowing requirements in India
What you can borrow in India is set by your income in INR and your existing commitments. Buzdy holds published eligibility terms for 25 lending products from 24 banks in India — the real requirements are listed below.
Looking for a credit card in India?
Compare what banks in India actually offer — rates, fees and eligibility, updated for 2026.
Credit card eligibility in India
| Card | Bank | Minimum income | Minimum age | Salary transfer |
|---|---|---|---|---|
| Axis Bank Atlas Credit Card | Axis Bank | Net annual income of Rs 12 lakh and above for salaried applicants | 18 | — |
| Platinum Chip Credit Card | ICICI Bank | — | 23 | Not Required |
| Snapdeal | Bank of Baroda | — | 21 | Not Required |
| HDFC Bank Diners Club Black Metal Edition Credit Card | HDFC Bank | Net monthly income above Rs 2.5 lakh for salaried applicants | — | — |
| Axis Bank Privilege Credit Card | Axis Bank | — | 18 | — |
| HDFC Bank Millennia Credit Card | HDFC Bank | Net monthly income above Rs 35,000 for salaried applicants | 21 | — |
| HDFC Bank MoneyBack Plus Credit Card | HDFC Bank | Net monthly income above Rs 20,000 for salaried applicants | 21 | — |
| Axis Bank REWARDS Credit Card | Axis Bank | — | 18 | — |
| IndianOil HDFC Bank Credit Card | HDFC Bank | Net monthly income above Rs 12,000 for salaried applicants | — | — |
| Axis Bank SELECT Credit Card | Axis Bank | Net income of at least Rs 6 lakh per annum | — | — |
| Axis Bank NEO Credit Card | Axis Bank | — | 18 | — |
| HDFC Bank Diners Club Privilege Credit Card | HDFC Bank | Net monthly salary of Rs 35,000 for salaried applicants | — | — |
| 6E Rewards XL IndiGo HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 50,000 for salaried applicants | — | — |
| 6E Rewards IndiGo HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 50,000 for salaried applicants | — | — |
| Marriott Bonvoy HDFC Bank Credit Card | HDFC Bank | Net monthly income above Rs 1,00,000 for salaried applicants | — | — |
| Shoppers Stop HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 20,000 for salaried applicants | — | — |
| HDFC Bank PIXEL Go Credit Card | HDFC Bank | Monthly income of Rs 12,000 for salaried applicants | — | — |
| HDFC Bank PIXEL Play Credit Card | HDFC Bank | Monthly income of Rs 25,000 for salaried applicants | — | — |
| Tata Neu Infinity HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 1,00,000 for salaried applicants | — | — |
| Tata Neu Plus HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 25,000 for salaried applicants | — | — |
| Swiggy HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 15,000 and above for salaried applicants | — | — |
| IRCTC HDFC Bank Credit Card | HDFC Bank | Monthly income of Rs 25,000 for salaried applicants | — | — |
| HDFC Bank Freedom Credit Card | HDFC Bank | Net monthly income above Rs 12,000 for salaried applicants | — | — |
| HDFC Bank Regalia Gold Credit Card | HDFC Bank | Net monthly income above Rs 1,00,000 (government) or Rs 1,50,000 (non-government) for salaried applicants | — | — |
| Axis Bank HORIZON Credit Card | Axis Bank | — | 18 | — |
25 cards state a minimum income or minimum age. Income figures are in INR unless the bank says otherwise.
Banks we track in India
Keep going in India
Guides for India
India — frequently asked questions
What is the minimum salary for a loan in India?
Published minimum income requirements in our India data include Net monthly income above Rs 2.5 lakh for salaried applicants; Net monthly income above Rs 1,00,000 (government) or Rs 1,50,000 (non-government) for salaried applicants; Net monthly income above Rs 35,000 for salaried applicants; Net monthly income above Rs 20,000 for salaried applicants. Banks also look at your existing monthly commitments, not just gross salary.
What is the minimum age to borrow in India?
Minimum ages stated by the products we track in India include 23; 21; 18.
Do I need to transfer my salary to get a card or loan in India?
Not always — 120 of the 162 cards we track in India state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.