• Latest Jobs
  • Admit Card
  • Results
  • Admission
  • Answer Key
  • Documents
  • Finance & Money
  • Exam categories
  • Blog
  • Search
  1. Home
  3. Finance & Money
  5. Personal Loan Eligibility

Finance calculator

Personal Loan Eligibility Calculator

Estimate the personal loan amount you may be eligible for. Enter your details to see an estimate.

Enter your details

Update the values below and select calculate.

Your monthly income after deductions

Rs.

Total of current loan obligations

Rs.

Illustrative annual loan rate

%

Repayment period in years

years

Maximum share of income available for all EMIs

%

Calculation result

Estimated eligible loan amount: ₹12,36,264

Eligible loan amount
₹12,36,264
Available EMI capacity
₹27,500
Current EMI obligations
₹10,000
FOIR limit used
50%

Monthly income allocation

₹27,500
Available EMI
₹10,000
Existing EMI
₹37,500
Income remaining

Calculation breakdown

Monthly income
₹75,000
Maximum total EMI
₹37,500
Available after obligations
₹27,500
Illustrative tenure
5 years
  • * Lenders may apply different FOIR limits and credit checks.
  • * This estimate is not a loan approval or offer.

Frequently asked questions

What is FOIR?

Fixed Obligation to Income Ratio is the share of monthly income a lender allows for all recurring loan repayments.

Is this an approval?

No. It is an indicative estimate. Lenders also consider credit score, age, employment, and their underwriting rules.

Before you decide

This calculator provides an estimate. Confirm rates, fees, taxes, and product terms with your provider.