Loan Eligibility Calculator
Check your maximum loan eligibility
1,5002,00,00,000
50050,00,000
020,00,000
All existing loan EMIs (home, car, personal, etc.)
2.1650
309,000
Very Good
0.1300
0.6200
Loan Eligibility Results
Max Loan Amount:₹0.0L
Available EMI:₹0
Eligibility Score:0/100
FOIR:0%
Status:good
Eligibility Analysis
Income Factor (30%)
30/30
FOIR Factor (25%)
25/25
Credit Score (25%)
23/25
Age Factor (10%)
10/10
Employment (10%)
10/10
FOIR Analysis
Monthly Income:₹100,000
Monthly Expenses:₹30,000
Existing EMIs:₹0
Total Obligations:₹30,000
FOIR Ratio:0%
Loan Capacity by Type
Home Loan:
₹0.0L@ 8.5%
Car Loan:
₹0.0L@ 9.5%
Personal Loan:
₹0.0L@ 12%
Education Loan:
₹0.0L@ 10%
Recommendations
Key Eligibility Factors
Income
₹100K
Monthly income
FOIR
0%
Fixed obligations ratio
Credit Score
750
CIBIL score
Tenure
20Y
Maximum tenure
Tips to Improve Loan Eligibility
Increase Income:
- • Add co-applicant with stable income
- • Include rental income or investments
- • Show consistent salary increments
- • Provide Form 16 and ITR for 2-3 years
Improve Credit Score:
- • Pay all EMIs and credit card bills on time
- • Keep credit utilization below 30%
- • Don't close old credit cards
- • Check and correct credit report errors
Reduce Obligations:
- • Prepay high-interest loans
- • Close unnecessary credit cards
- • Avoid taking new loans before application
- • Reduce monthly expenses and commitments