Loan eligibility calculator
See how much home, personal or business loan you can qualify for based on your income, existing EMIs, tenure and interest rate. This estimate mirrors the FOIR method used by most Indian lenders.
Maximum affordable EMI: ₹ 34,000 per month.
Based on a FOIR of 55 percent, which is the standard threshold banks use for home loans. The final sanction depends on credit score, employment stability and property or business profile.
Start your application Check EMI for this amountHow lenders decide your eligibility
Every Indian lender uses a Fixed Obligations to Income Ratio (FOIR) to cap how much of your monthly income can be committed to loan EMIs. For home loans, FOIR usually sits at 50 to 55 percent. For unsecured loans, banks apply a stricter 40 to 50 percent limit.
Income
Salary, business income and rental income all count toward the base.
Obligations
Existing EMIs and credit card minimums reduce your headroom.
Credit score
A score above 750 unlocks the highest FOIR and the best rate.
Tenure
Longer tenure lowers each EMI, letting you qualify for a larger amount.