Loan Eligibility Checker
Find out if a bank is likely to approve your loan before you apply. Enter your income, current EMIs and the loan you want — you get your debt-to-income ratio, the estimated EMI, your maximum eligible loan and a clear verdict, all explained in plain numbers.
Your details
Add up all current loan installments you pay every month.
Debt-to-income ratio
—
with this loan
Estimated EMI
—
per month
Maximum eligible loan
—
at 40% rule
Total interest
—
over full tenure
Obligation meter
Your total monthly obligations:
Safe limit (40% of income):
0%40% (banks prefer under this)100%
How to use this checker
- Enter your monthly income after tax and pick your currency symbol.
- Add the total of all EMIs you already pay each month (enter 0 if you have no loans).
- Enter the loan amount, tenure and annual interest rate the bank offered you.
- Press Check Eligibility to see your verdict, ratio and maximum eligible loan.
Banks commonly use a 40% debt-to-income rule: your total monthly loan payments should stay under 40% of your income. Between 40% and 50% is usually borderline, and above 50% most banks say no. This tool gives an estimate only — banks also look at credit history, job stability and documents.