Every bank has its own internal policies in calculating the loan amount that one will be eligible for. It is mainly calculated based on the monthly income of the applicant.
One of the criteria is your EMI will be structured in such way that it should not cross more than 40% to 50% of your monthly income. If your earning Rs. 25,000 per month, your maximum EMI towards a personal loan can be up to Rs. 12,500.
Most lenders determine the maximum loan amount up to 10 times of your monthly salary. If you earn Rs. 25,000 per month, you may become eligible for up to Rs. 2.5 Lakhs. However, this may vary from bank to bank, depending on the internal policies. You may have to check with multiple lenders to get the highest personal loan amount.
Following are the criteria that are taken into consideration for getting maximum loan amount.

•    Applicant’s age
•    Good credit score
•    Good monthly income
•    Relationship with the bank
•    Area of residence
•    Employer

Just like there is maximum loan amount, there is also minimum loan amount. It may range between Rs. 30,000 to Rs. 50,000.
If you are looking for a personal loan at better terms, you can check your eligibility for free at CreditMantri.

Additional Reading: Personal Loans for Individuals with Low Income