Check how much loan you can get based on your income, credit score, existing EMIs, and other financial factors. Get personalized eligibility assessment instantly.
• FOIR (Fixed Obligation to Income Ratio): Maximum 65% of income for salaried, 55% for self-employed
• Credit Score: Higher scores get better rates and higher eligibility
• Employment Type: Salaried applicants typically get higher eligibility
• City Tier: Metro cities have higher eligibility limits
• Age: Affects maximum loan tenure
| Loan Type | Max FOIR | Max Tenure | Max Amount | Min Income | Min CIBIL | Key Requirements |
|---|---|---|---|---|---|---|
| Personal Loan | 65% | 5-7 years | ₹50 Lakh | ₹25,000/month | 650+ | Salary slip, bank statements |
| Home Loan | 50-60% | 30 years | ₹10 Crore | ₹30,000/month | 700+ | Property documents, ITR |
| Car Loan | 60% | 7 years | ₹1 Crore | ₹20,000/month | 650+ | Car details, income proof |
| Education Loan | 40-50% | 15 years | ₹1.5 Crore | N/A | N/A | Admission proof, co-applicant |
This is an indicative calculation. Actual loan eligibility may vary based on lender policies, documentation, and other factors. Final approval is at the sole discretion of the lending institution.
• Income stability and growth prospects
• Credit history and repayment behavior
• Employment type and job security
• Existing financial commitments
• Age and repayment capacity