Personal Loan Eligibility Checker
Find out your exact borrowing capacity in seconds. Enter your details below to see how much you qualify for based on industry-standard financial metrics.
👤 Borrower Details
Your Eligibility Status
Please provide your Name and valid PAN details on the left, then click below to securely calculate your maximum borrowing capacity.
How This Calculator Works
This eligibility checker estimates your borrowing capacity based on the industry-standard Fixed Obligation to Income Ratio (FOIR). Financial institutions typically allow up to 50% of your monthly net income to be utilized for debt repayment. By taking 50% of your income and subtracting your existing EMI commitments, we calculate your "Available EMI Capacity." This capacity, combined with a healthy credit score (650+), is used to project your maximum loan limit over a standard 5-year tenure at competitive interest rates.