Loan Eligibility Calculator
Estimate the maximum loan amount you may be eligible for, based on income, statutory deductions, existing EMIs by loan type, interest rate, tenure, and a lender FOIR cap.
Your Income & Obligations
PF, professional tax, TDS, or anything else deducted before you receive your salary.
Existing Monthly EMIs
Your Eligibility
Loan Type
Fills in typical starting values on the left — everything stays editable either way.
Eligible Loan Amount
₹40,23,039
What is FOIR?
FOIR (Fixed Obligation to Income Ratio) is simply the share of your monthly income that already goes towards EMIs and other fixed payments. Lenders use it to make sure you're left with enough to live on after paying loans — most cap it around 50% of income. The lower your existing EMIs, the more room you have left to borrow.
Actual sanctioned amount depends on the lender's credit policy, credit score, and other obligations — this is an estimate, not a loan offer.