Find the maximum loan amount you are eligible for based on income, existing EMIs, and lender norms.
Loan eligibility is primarily determined by your Fixed Obligation to Income Ratio (FOIR). Most Indian banks cap FOIR at 40-50% of your net monthly income. For example, with a ₹1 Lakh salary and no existing EMIs, you may be eligible for a loan with an EMI of up to ₹50,000.
Last verified May 2026
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