Loan Eligibility Calculator
Estimate how much loan you can get based on your income. Banks use the FOIR rule — your total EMIs should stay within about 50% of your net monthly income. Adjust the inputs to see your eligible loan amount.
FOIR assumed at 50% of net income (standard for most banks).
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Frequently Asked Questions
How is loan eligibility calculated?
Lenders use the FOIR (Fixed Obligation to Income Ratio). Your maximum EMI is about 50% of net monthly income minus existing EMIs. The eligible loan amount is derived from that maximum EMI, the interest rate and the tenure.
How can I increase my loan eligibility?
Increase your income, clear existing loans, choose a longer tenure, add a co-applicant, or improve your credit score.