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Loan Eligibility Calculator – Kitna Loan Milega?

Enter your monthly income, any running EMIs, the interest rate and tenure to see how much loan you can get. Add a co-applicant's income to see how it raises the amount.

मुझे कितना लोन मिलेगा? अपनी मासिक आय, चल रही EMI, ब्याज दर और अवधि डालें।

For education and quick estimates only. Banks and NBFCs use their own rules, rounding and charges, so confirm the exact figures with the lender. Nothing you type here is saved to the server.

Income and obligations (monthly)

₹1,00,000 · Take-home salary or average monthly business income

Optional

₹10,000 · All running loan EMIs + 5% of card dues

%

Lenders usually allow 40–60%

% p.a.
years

Eligible loan amount

₹44,45,798

₹44.46 L

EMI you can take

₹40,000

50% of ₹1,00,000 = ₹50,000, less existing EMIs

Income used for EMIs

50%

Remaining income is left for living costs

Check a specific loan amount

How lenders decide

  • FOIR (Fixed Obligation to Income Ratio) = all EMIs ÷ net monthly income. Lenders cap it, often 40–50% for lower incomes and up to 60–65% for high earners.
  • Eligible loan = the present value of the EMI room left, at the loan's rate and tenure. A longer tenure or lower rate raises it.
  • Banks also check credit score (CIBIL), age at maturity, job or business stability, and for secured loans the property or vehicle value (LTV).

How banks decide how much loan you get

Lenders use FOIR — Fixed Obligation to Income Ratio. It caps the share of your monthly income that can go to all EMIs together, usually 40–50% for lower incomes and up to 60–65% for high earners.

Your eligible loan is the loan amount whose EMI fits in the room left after your existing EMIs, at the loan's interest rate and tenure.

Example: with a take-home income of ₹1,00,000 a month, ₹10,000 of existing EMIs and a 50% FOIR, you can take a new EMI of up to ₹40,000. At 9% for 20 years, that supports a loan of about ₹44.46 lakh.

How to increase your loan eligibility

  • Close or reduce small running loans and credit card dues before applying.
  • Add an earning co-applicant (spouse or parent) — their income is added to yours.
  • Choose a longer tenure, if your age allows it.
  • Keep a good credit (CIBIL) score; it can also get you a lower interest rate.

Common questions

₹30,000 salary par kitna loan milega?

With no other EMIs and a 50% FOIR, you can take an EMI of about ₹15,000. That supports roughly ₹16.67 lakh as a home loan at 9% for 20 years, or about ₹6.74 lakh as a personal loan at 12% for 5 years. Lenders may apply a lower FOIR at this income level.

₹50,000 salary par home loan kitna milega?

At a 50% FOIR with no other EMIs, about ₹27.79 lakh at 9% for 20 years. Existing EMIs reduce this amount.

What is FOIR?

FOIR (Fixed Obligation to Income Ratio) is the share of your net monthly income that goes to all EMIs. Lenders cap it to make sure you have enough left for living costs.

Does CIBIL score affect loan eligibility?

Yes. This calculator checks income only. Lenders also look at your credit score, age, job or business stability and, for secured loans, the value of the property or vehicle.

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