If you earn a ₹30,000 monthly salary, you may still qualify for a personal loan depending on your credit profile and employment type. Banks and NBFCs evaluate your debt-to-income ratio before approving funds. Loan amounts usually vary based on eligibility, and repayment terms can range from 12 to 60 months. Maintaining a good credit score improves approval chances and may also help secure lower interest rates and better repayment flexibility.

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