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Calculators / Loan Eligibility

Loan Eligibility Calculator

Estimate how much loan you can get based on your income, existing obligations, FOIR limit, interest rate, and tenure. Download the full sensitivity model as a live-formula Excel sheet.

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Drag sliders or type exact values.

₹
₹

Total of all current loan EMIs you are already paying.

%

Banks typically allow 40-60% of net income toward all EMIs combined.

%
yrs

Eligibility summary

Eligible Loan Amount
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Max Affordable EMI
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Total Repayment
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Total Interest
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Interest to Principal
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How eligibility is calculated: Eligible loan = present value of your maximum affordable EMI over the chosen tenure. Max EMI = (Net income × FOIR%) − Existing EMIs. FOIR (Fixed Obligation to Income Ratio) is the share of your monthly income banks allow for all loan repayments combined, most lenders cap this at 50-60%. The Excel file rebuilds the full sensitivity table from your inputs.

Sensitivity, eligible loan by tenure

Tenure (yrs) Eligible Loan (₹) Monthly EMI (₹) Total Interest (₹)
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