Loan Eligibility Calculator
Find the maximum loan amount you are eligible for based on income, existing EMIs, and lender norms.
Quick Summary: Loan Eligibility Calculator
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.
How to use the Loan Eligibility Calculator
- 1
Enter Monthly Income
Input your net take-home salary or profit from business.
- 2
Declare Existing EMIs
Enter the total of all current monthly loan payments.
- 3
Check Max Loan
The tool identifies the largest principal amount you can borrow based on FOIR limits.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.