Loan Eligibility Calculator
Estimate the maximum loan you could qualify for.
Your income & obligations
Estimated Max Loan Amount
₹0
Max Allowed EMI₹0
Available EMI (after existing)₹0
How lenders estimate eligibility
Most lenders cap your total EMI obligations (existing + new loan) at a percentage of your net monthly income — commonly called FOIR (Fixed Obligation to Income Ratio), typically 40–60%. This calculator applies that cap, subtracts your existing EMIs, and works the remaining EMI budget backward through the loan formula to estimate the maximum loan amount. Actual eligibility also depends on credit score, employment type, and the specific lender's policy.