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Loan Eligibility Calculator

Estimate how much personal loan or home loan you may be eligible for based on your monthly income, existing EMIs, and the interest rate. See the maximum loan amount and tenure.

Last updated 8 October 2026

How this works

Estimate how much personal loan or home loan you may be eligible for based on your monthly income, existing EMIs, and the interest rate. See the maximum loan amount and tenure.

The calculator takes 5 inputs (monthly income (₹), existing emi outgo (₹), interest rate (% pa), preferred tenure (months), loan type) and produces 5 outputs (max emi affordable, max loan eligible, eligible tenure, interest rate applied, foir (%)). All formulas are published below — no hidden assumptions, no sign-up wall, no data sent to a server.

Initial result (using default inputs):

Max EMI affordable
30000
Max loan eligible
1395744.81
Eligible tenure
60
Interest rate applied
10.5
FOIR (%)
12.5

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