If you earn a monthly income of around ₹35,000, getting a personal loan for ₹35,000 salary is not only possible but also comes with competitive terms. Several leading banks cater specifically to this income group, offering flexible loan amounts, attractive interest rates, and fast approvals. 

Whether you need funds for emergencies, travel, or big purchases, these lenders provide convenient and accessible solutions. 

Below are five top banks known for their relaxed eligibility, quick processing, and borrower-friendly personal loan offerings.

1. ICICI Bank

ICICI Bank offers personal loans to salaried individuals earning ₹30,000 or more per month, with loan amounts reaching up to ₹50 lakh, tenures from 1 to 6 years, and interest rates starting around 10.85% per annum. Moreover, income thresholds are relaxed in major cities—₹25,000/month in Delhi and Mumbai, and even ₹17,500/month in other areas. With your ₹35,000 monthly income, you comfortably meet their requirements.

2. HDFC Bank

HDFC Bank requires a minimum salary of around ₹25,000/month, and offers personal loans up to ₹40 lakh, with interest rates starting at approximately 10.90% per annum and fully digital disbursal in as little as 10 seconds for eligible borrowers. Your ₹35,000 qualifies you well under their criteria.

3. Kotak Mahindra Bank

Kotak extends loans to individuals earning ₹30,000/month (for non-salary account holders), offering up to ₹35 lakh over tenures of up to six years and competitive interest rates starting from 10.99% per annum. Plus, you're eligible for features like overdrafts or top-up loans if you're already borrowing through them.

4. Axis Bank

Axis Bank sets a low eligibility threshold—just ₹15,000/month, accommodating even those new to borrowing. Loan amounts can go up to ₹25–40 lakh with interest starting around 10.99% and digital pre-approved offers available for existing customers.

5. State Bank of India (SBI)

SBI’s Xpress Credit personal loan is accessible to those with salaries starting at ₹15,000–25,000/month, depending on sector (government vs. corporate), and allows loan amounts up to ₹20 lakh, with quick disbursal (1–5 working days) and interest rates from around 10.60% p.a. SBI is also emphasising tighter credit data usage, giving borrowers with good profiles an edge.

Why These Banks Are a Great Fit for ₹35,000 Salary Earners

Relaxed Income Thresholds

All five banks accept monthly incomes well below ₹35,000—making you comfortably eligible.

Attractive Loan Amounts

Expect potential loans up to ₹20–50 lakh, depending on the bank and your credit profile.

Competitive Interest Rates

Interest rates typically start in the low double digits (around 10–11% per annum), with digital and quick-approval options for many applicants.

Digital Convenience

Banks like HDFC and Axis offer seamless online approvals and disbursals, with options like "pre-approved offers" or "10-second disbursal" for eligible users.

Quick Comparison Table

Pro Tips Before You Apply

• Maintain a strong CIBIL score (750+) to unlock lower interest rates and better terms. While not mandatory, it's a powerful enhancer.
  
  
• Compare processing fees and tenure options—they can significantly impact the total cost of borrowing.
  
  
• Don't ignore digital offers—banks like HDFC and Axis often offer streamlined application experiences that save time and paperwork.

In summary, with a ₹35,000 monthly salary, you're well-positioned to secure a personal loan from top banks like ICICI, HDFC, Kotak, Axis, and SBI. Each excels in different areas—whether it's low eligibility thresholds, quick disbursal, high loan caps, or attractive rates—so consider your priorities and choose accordingly.