For salaried employees, one of the yardsticks used to calculate the loan amount eligible is, 40-60 times the monthly income with the understanding that the person has enough service years left for the loan period of 15-20 years. Here the retirement age becomes crucial for salaried employees.
Home loans for row houses are sometimes granted as composite loans. Have you tried this?
SBI has a good home loan takeover or home loan refinance scheme for government employees, aged 21-60 and a good CIBIL credit score. Have you considered this?
Lastly, the PMAYS (PM housing loan scheme) for first time homeowners is something worth considering provided there is at least 1 woman as a co-applicant. I would suggest, please check this and contact the authorities in the districts who are responsible for PMAY-G (https://pmayg.nic.in/netiay/ContactFilled.aspx), for instance, the state of TamilNadu has officers for 31 districts and there are further multiple block development officers for various blocks in each district.
Please seek the help of a reliable friend or relative, get your papers in order, meet any SBI bank for the home loan take over plan first, if unsuccessful, then try approaching the PMAYS authorities.
If you are successful, please work out the difference in the savings between what you are currently paying and what the new bank is offering. Please be careful with your documents and giving money to people who promise you help and mislead you. If you are in the rural area, meeting the local political or government officials and requesting their support does help in such matters. You can also seek the help of the officers whom you work for, they would have some contacts in the banks that would be helpful.