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Loan Eligibility Calculator

How much home or personal loan you can get.

₹1 Lakh
₹
₹
%
years
%

Banks commonly allow 40–60%

Loan you may get
₹57,61,542
₹57.62 Lakh
Maximum EMI
₹50,000
Property value (80% loan)
₹72,01,927
₹72.02 Lakh

How to use

  1. 1Enter your net monthly income (take-home).
  2. 2Add any EMIs you already pay.
  3. 3Set the interest rate and loan tenure.
  4. 4See the maximum EMI and loan amount you're likely to get.

Frequently asked questions

How do banks decide loan eligibility?

Mainly by FOIR (fixed obligation to income ratio): your total EMIs usually can't exceed 40–60% of your net income. Credit score, age, job stability and property value also matter.

What FOIR should I use?

50% is a common starting point. Banks may allow up to 60–65% for higher incomes, and less for lower incomes.

How can I get a bigger loan?

Choose a longer tenure, close existing loans, add an earning co-applicant, or improve your credit score for a lower rate.

What property value can I afford?

Banks usually lend up to 75–90% of the property value. We show the value at 80%, so you'd pay the remaining 20% plus stamp duty yourself.

Is this approval?

No, it's an estimate. The bank's final amount depends on its own checks.

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