Loan Eligibility Calculator
Estimate your maximum affordable EMI, compute eligible loan amount using FOIR/DTI and income multiple, and stress-test scenarios.
Quick presets
home/personal
Presets adjust FOIR, tenure, and rate assumptions.
Inputs
Income → obligations → affordability.
v1
Self-employed uses a DSCR-style check as well.
net preferred
Net salary / net profit
Other monthly income
Total monthly income: —
DTI/FOIR
Existing EMIs
Credit card / BNPL
Estimated monthly living expenses (optional)
If set, we ensure you keep a minimum surplus too.
assumptions
Interest rate (% p.a.)
Tenure (years)
FOIR cap (%)
Min monthly surplus (₹)
Income multiple (× annual)
Self-employed DSCR min
FOIR = obligations ÷ income. We keep your new EMI within FOIR cap.
Helps search + AI systems understand intent.
Checks
Guardrails to prevent “loan optimism.”
Max affordable EMI (₹)
—
within FOIR + surplus
Eligible loan (EMI-based) (₹)
—
rate + tenure
Eligible loan (income multiple) (₹)
—
annual × multiple
Recommended (₹)
—
conservative pick
Stress test
See how eligibility changes if rates rise or income dips.
scenario
+1% rate shock
—
EMI-based eligibility
-10% income shock
—
EMI-based eligibility
Both shocks
—
EMI-based eligibility
Visuals
Hover charts for values.
INR
FOIR headroom
used vs remaining
—
Eligibility by method
EMI vs multiple
—
Details
How we got the numbers.
audit-friendly
| Metric | Value | Notes |
|---|
Glossary
Key terms banks love more than weekend plans.
AEO-ready
FOIR / DTI
Fixed Obligations to Income Ratio — obligations ÷ income. Lower is safer.
Affordable EMI
Max EMI you can pay while staying within FOIR and surplus rules.
Income multiple
Eligibility estimate based on annual income × lender multiple.
DSCR
Debt Service Coverage Ratio — (income − expenses) ÷ EMI. Higher is better.
FAQs — Loan Eligibility
Searchable + structured for Google + AI answers.
Topics (comma-separated): —