Calculation of maximum personal loan amount in SBI

jipsy97

KF Rookie
I got net salary Rs. 30000. At first bank manager said that with an maximum limit of about Rs.720000 i can easily get Rs.550000. but after applying through yono sbi, it is showed that my max limit amount is Rs. 420000. Why this happened? After take a look over my cibil report, they said that you already have 2 emi. But i have no emi. I just made 2 delayed payment. Please give me solution.
 
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