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Loan Eligibility

Loan Eligibility Calculator

Check your loan eligibility instantly. Find out how much loan you can afford based on your income, expenses, and existing financial commitments.

Enter Your Details

Fill in the fields below to check your loan eligibility

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Your total monthly income from all sources
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Total EMI of all existing loans
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Rent, utilities, groceries, etc.
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Insurance premiums, investments, etc.
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Maximum loan repayment period
Maximum FOIR: 50% (Standard for personal loans)
FOIR is the percentage of your income that can go towards EMI payments

Your Loan Eligibility

Enter your financial details and click "Check Eligibility" to see how much loan you can afford.

Maximum loan amount Affordable EMI Detailed breakdown

What is FOIR?

FOIR = (Total Monthly Obligations / Monthly Income) × 100
Banks typically allow a maximum FOIR of 40-50% for personal loans. This ensures you have enough income left for living expenses.

Improving Eligibility

To increase your loan eligibility, you can: increase your income, reduce existing debt, clear credit card dues, or opt for a longer tenure.