Calculator
Loan Eligibility Calculator
Find the biggest loan a bank will approve based on your income and existing EMIs.
dhanmetrics.com · Educational illustration only · Not investment advice
Max loan you can get
₹28,80,771
₹25.0K max EMI · 50% FOIR cap
What this means
A bank applying a 50% FOIR cap on your ₹80.0K/mo income — net of expenses and existing EMIs — would approve a ₹28.8L loan at 8.5% for 20 years. Eligibility is the ceiling, not a recommendation. The actual affordable loan is usually 20–30% lower; see the affordability calculator.
What if you…
Got a 7.5% rate (1% lower)
₹31.0L
+₹2.2L
Stretched tenure to 25 years
₹31.0L
+₹2.2L
Cut monthly expenses by ₹10K
₹34.6L
+₹5.8L
Educational illustration. Banks apply additional checks (CIBIL, employment, property valuation). The headline number is an upper bound, not an offer.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
Estimate the largest loan a bank will approve, based on your income.
Take-home pay after tax (in-hand).
Rent, groceries, utilities, school fees — recurring obligations.
Car loan, personal loan, credit card EMIs already running. Banks count these against your eligibility.
Typical home loan: 8.5–9.5%. Personal loan: 10–18%. Car loan: 8.5–11%.
Fixed-Obligations-to-Income Ratio — banks cap max EMI at this % of net income. Most banks use 40–50%; some go up to 60% for high-income applicants.
Loan breakdown