How Much House Can I Afford on a ₹25 Lakh Salary?
Updated September 2026. Figures are estimates; see how KITNA calculates.
On a ₹25 lakh CTC, estimated take-home is about ₹1,61,217 a month. How much house that supports depends on how much you're willing to put into an EMI.
House price you could consider
Comfortable30% EMI
₹87.82L
Stretch40% EMI
₹1.07Cr
Aggressive50% EMI
₹1.2Cr
| Scenario | EMI | Loan | Price |
|---|---|---|---|
| Comfortable | ₹48,365 | ₹57.82L | ₹87.82L |
| Stretch | ₹64,487 | ₹77.1L | ₹1.07Cr |
| Aggressive | ₹75,280 | ₹90L | ₹1.2Cr |
Assumes ₹30,00,000 down payment, 8% interest (an example rate) over 20 years, no other loans, new regime. Excludes stamp duty and registration.
Before you stretch
The aggressive scenario leaves little room for anything else. Keep an emergency fund after your down payment; maintenance and property tax come on top of the EMI.