About this tool
Explore an illustrative loan-capacity estimate from entered income, obligations and repayment assumptions. The result helps prepare a borrowing discussion and is separate from any lender’s underwriting decision.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Net Monthly In-Hand Income (₹); Existing Monthly EMIs (Car, Personal, Credit Card) (₹); Bank FOIR Limit (% of Income Allowed for All EMIs).
- Review Max Eligible Loan; Max Permissible New EMI; EMI per ₹1 Lakh in the result breakdown.
Benefits
- Compare the effect of existing monthly obligations.
- Prepare a repayment-capacity worksheet before speaking to a lender.
Who should use this tool?
- People planning a borrowing discussion.
- Borrowers comparing income and EMI scenarios.
How to use
- Complete the labelled fields for your scenario, including Net Monthly In-Hand Income (₹); Existing Monthly EMIs (Car, Personal, Credit Card) (₹); Bank FOIR Limit (% of Income Allowed for All EMIs). Use the units shown beside each field.
- Try the example labelled “₹1,00,000 Income, ₹10k Existing EMI, 50% FOIR, 8.5% for 20 Yrs” if you want to check the workflow first.
- Select Calculate / Run Tool and review Maximum Eligible Loan Amount and Max Eligible Loan; Max Permissible New EMI.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹1,00,000 Income, ₹10k Existing EMI, 50% FOIR, 8.5% for 20 Yrs | Net Monthly In-Hand Income (₹): 100000Existing Monthly EMIs (Car, Personal, Credit Card) (₹): 10000Bank FOIR Limit (% of Income Allowed for All EMIs): 50Loan Interest Rate (% p.a.): 8.5Loan Tenure (Years): 20 | ₹46,09,234 (₹46.09 L) |
| ₹60,000 Income, ₹0 Existing EMI, 50% FOIR, 9.0% for 15 Yrs | Net Monthly In-Hand Income (₹): 60000Existing Monthly EMIs (Car, Personal, Credit Card) (₹): 0Bank FOIR Limit (% of Income Allowed for All EMIs): 50Loan Interest Rate (% p.a.): 9Loan Tenure (Years): 15 | ₹29,57,802 (₹29.58 L) |
Reference and processing
Standard Indian Retail Banking Underwriting FOIR Norms · Listed applicability: 2025-2026
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Does the amount shown mean my loan is approved?
The tool does not access credit records or make a lending decision. A lender will apply its own eligibility, documentation, collateral and underwriting requirements.
Which inputs do I need for Loan Eligibility & FOIR (Fixed Obligation to Income Ratio) Calculator?
Use Net Monthly In-Hand Income (₹); Existing Monthly EMIs (Car, Personal, Credit Card) (₹); Bank FOIR Limit (% of Income Allowed for All EMIs); Loan Interest Rate (% p.a.), then complete the remaining fields for your scenario. The built-in examples show how those fields fit together.
What should I check before using this result?
Final sanction also depends on CIBIL score (≥750 preferred), employer category, and property LTV ratio. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.