Last updated: 21 August 2026
Rule
Banks usually give 2–3× your income as the limit.
Examples
| Monthly Income | Typical Limit |
|---|---|
| ₹25K | ₹50K-1L |
| ₹50K | ₹1L-2.5L |
| ₹1L | ₹3L-6L |
| ₹2L+ | ₹6L-15L |
Beyond Income
FD-backed: limit = FD 75-100%. Relationship + CIBIL bhi factor.
Frequently Asked Questions
Q: Limit on salary?
A: 2-3x monthly income typically.
Q: Highest limit?
A: Ultra premium ₹10L-50L+.
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