Loan Eligibility Calculator
Find out how much loan you may qualify for based on your income, existing EMIs and the lender's FOIR (Fixed Obligation to Income Ratio) policy — before you apply.
Your details
You may be eligible for up to
₹10,11,847
Understand your eligibility
What is FOIR?
FOIR (Fixed Obligation to Income Ratio) is the share of your monthly income that goes to EMIs. Most lenders cap total EMIs at 40–55% of net income.
How eligibility is decided
Lenders compute your max affordable EMI (income × FOIR − existing EMIs), then back-calculate the loan amount that EMI can service at the offered rate and tenure.
Improve your eligibility
Close small running loans, add a co-applicant's income, choose a longer tenure, or improve your credit score to unlock lower rates and a higher sanction.
This is an indicative estimate only. Actual loan eligibility depends on the lender's credit policy, your credit score, employment type and document verification.
