The ultimate lending eligibility checker: group all your EMIs against your income to see your DTI ratio.
Your Debt-to-Income (DTI) ratio measures what percentage of your gross monthly income goes toward paying debts. In India, a DTI below 40% is considered healthy, while above 50% is a 'Danger Zone' where lenders will likely reject new applications. Use this tool to audit your loan capacity.
Last verified May 2026
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