Personal Finance

Loan Eligibility Calculator

Estimate an approximate loan amount based on income, existing obligations and a chosen EMI-to-income limit.

How this calculator works

The calculator applies your chosen EMI-to-income ratio, subtracts existing EMIs and converts the remaining EMI capacity into an approximate loan principal.

Available EMI = Income × ratio − existing EMIs

Use realistic inputs

Enter current, realistic figures for the most useful estimate.

Frequently asked questions

Is this guaranteed eligibility?

No. Lenders also assess credit history, employer, age, stability and internal policy.

What EMI ratio should I use?

Many lenders use their own limit. A lower ratio is more conservative.

Does a longer tenure increase eligibility?

Usually yes, but it can also increase total interest.

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