Finance · Free tool
Loan Eligibility Calculator
Banks cap your total EMIs at 50–65% of net monthly income (Fixed Obligations to Income Ratio, FOIR). We back-calculate the loan amount that fits.
₹1,00,000
₹10,000
8.50%
20 yrs
55%
Banks typically use 50-65%. Higher for high earners.
Eligible loan
₹51,85,388
Allowed total EMI₹55,000
Available for new EMI₹45,000