Loan Eligibility Calculator
How much loan your income allows.
Eligible loan (approx.)
₹46,09,234
Max affordable EMI
₹40,000
How banks decide
Most banks let total EMIs go up to 40–60% of your net income (FOIR). We use 50%. Your credit score, age, job stability and property value also matter.
Increase eligibility
Add a co-applicant, close small loans, choose a longer tenure, or improve your CIBIL score.
Frequently asked questions
Does a credit card count?
Yes, banks often count 5% of your card outstanding as an EMI.
Related loans tools
Results are estimates for planning only. Confirm final figures with your bank or a tax advisor.
Free banking tools
IFSC Code Checker
Check if an IFSC is valid and whether it supports NEFT, RTGS, IMPS and UPI.
Cheque Amount in Words
Type an amount, get the exact words to write on your cheque (Lakh & Crore).
Loan EMI Calculator
Monthly EMI, total interest and a year-by-year repayment chart.
FD & RD Calculator
Maturity value of fixed and recurring deposits with quarterly compounding.