Loan Eligibility Calculator
Kitna loan milega? Find out instantly based on your income.
₹60,000
₹15K₹5L
₹0
None₹1L
8.75%
7%20%
20 years
1 yr30 yrs
You may be eligible for
₹33.95 L
Max EMI: ₹30,000/mo
FOIR used50%
Rate8.75% p.a.
Tenure20 yrs
Estimate only. Final eligibility depends on CIBIL score and lender policy.
How Eligibility Is Determined
Lenders use FOIR (Fixed Obligation to Income Ratio) — your total monthly EMIs including the new loan should not exceed 40–60% of your net income. Salaried applicants get standardised FOIR, self-employed get tighter limits, and government employees often get relaxed terms. Your CIBIL score and employer category also affect final eligibility.