Loan Eligibility Calculator — How Much Loan You Can Get

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Drag sliders or type exact values.

Net monthly income ₹

Existing monthly EMIs ₹

Total of all current loan EMIs you are already paying.

FOIR — max EMI share of income %

Banks typically allow 40–60% of net income toward all EMIs combined.

Interest rate (p.a.) %

Tenure yrs

Eligibility summary

Eligible Loan Amount
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Max Affordable EMI

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Total Repayment

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Total Interest

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Interest to Principal

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How eligibility is calculated: Eligible loan = present value of your maximum affordable EMI over the chosen tenure. Max EMI = (Net income × FOIR%) − Existing EMIs. FOIR (Fixed Obligation to Income Ratio) is the share of your monthly income banks allow for all loan repayments combined — most lenders cap this at 50–60%. The Excel file rebuilds the full sensitivity table from your inputs.

Sensitivity — eligible loan by tenure

Tenure (yrs)	Eligible Loan (₹)	Monthly EMI (₹)	Total Interest (₹)

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