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
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.
