Bank Loan Tool — 2025
Loan Eligibility Calculator —
Know Your Maximum Loan Amount
Find exactly how much home, personal or car loan you qualify for based on your salary, existing EMIs, and bank FOIR criteria.
FOIRBased formula
5 Loan typesCovered
InstantEligibility
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Your Financial Profile💰
Eligibility ResultMaximum Eligible Loan
₹ —
Max Monthly EMI—
Total Interest—
Total Repayment—
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Tips to Boost Loan Eligibility1
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Add Co-applicant
Combine incomes to boost eligible loan amount significantly.
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Clear Old Loans
Pay off small loans first to reduce your existing obligations.
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Improve CIBIL
750+ score means better rates and higher eligibility.
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Choose Longer Tenure
Longer tenure lowers the calculated EMI burden used in FOIR.
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Frequently Asked QuestionsHow much home loan on ₹50,000 salary?+
On ₹50,000 net salary with no existing EMIs, you can typically get ₹35–45 lakhs for 20 years at ~9%. Adding a co-applicant further increases eligibility significantly.
What is FOIR?+
FOIR (Fixed Obligation to Income Ratio) is the % of monthly income banks allow for total EMI payments — typically 40–55%. Higher income earners may get up to 65%.
Does CIBIL score affect loan amount?+
Yes — 750+ score = best rates and full eligibility. 650–700 = higher rates. Below 650 = likely rejection by major banks. A good score can reduce your rate by 1–2%, saving lakhs over tenure.
What documents are needed for home loan?+
Identity proof (Aadhaar, PAN), income proof (3 months salary slips, 2 years ITR), bank statements (6 months), employment letter, Form 16, and property documents.
Can I get LAP (Loan Against Property) for business?+
Yes — LAP lets you borrow 50–70% of property market value at 9–12% interest. Tenure up to 15–20 years. Both residential and commercial properties are accepted as collateral.
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Related Calculators⚠️ Loan eligibility is an estimate. Actual approval depends on bank policy, CIBIL score, and employment type. Consult your bank directly.