The eligibility criteria for a ₹30 lakh home loan depend on various factors such as the borrower's income, credit score, employment stability, age, and other financial obligations. Typically, lenders would require a minimum monthly income of ₹25,000 - ₹30,000. The borrower's credit score should be at least 650 or higher, and they should have a stable employment history of at least two years. Additionally, the borrower's age should not exceed 65 years at the time of loan maturity.