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Loan Eligibility Estimator
The maximum loan banks will give you based on income and FOIR (Fixed Obligation to Income Ratio). The honest cap, not the marketing one.
Your numbers
₹
₹
%
% p.a.
years
Your result
₹35.57 lakh
On ₹80,000 take-home with ₹8,000 of existing EMIs, a bank applying a 50% FOIR cap will give you a maximum loan of ₹35.57 lakh at 9% over 20 years. Your available EMI capacity: ₹32,000/month.
- Current FOIR utilisation
- 10%
- EMI capacity remaining
- ₹32,000
- Maximum eligible loan
- ₹35.57 lakh
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Not sure what this means?
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Build the EMI for your real number
Decide what you actually want to borrow (probably 20-30% less than the eligibility) and run the EMI.
Open it
What banks check beyond FOIR
- CIBIL score (750+ unlocks best rates; under 700 limits options and raises rate).
- Employment stability (2+ years in current job is a soft requirement at most private banks).
- Bank statement: salary credits + minimum balance + cheque returns.
- For self-employed: 2-3 years of ITR + business continuity proof.
Improving your eligibility
- Close small running EMIs (credit card minimums, BNPL) before applying. Each removed EMI raises your eligibility by ~₹10-15 lakh.
- Add a co-applicant (spouse, parent) with stable income to combine FOIR.
- Choose a longer tenure to lower the EMI and qualify for a bigger loan, then prepay aggressively to actually close the loan early.
- Park a few months of income in the same bank you are applying to; relationship-based discounts on rate are real (5-15 bps).