Personal Loan Eligibility Predictor
Check your estimated loan amount, interest rates, and approval likelihood in under 60 seconds.
No CIBIL Hard Inquiry
100% Free & Confidential
Instant Bank Offers
Eligibility Score
0/100
Highly Eligible
High approval probability based on financial parameters.
Estimated Max Loan
₹0
Based on 50% max FOIR limit
Requested EMI
₹0
For 3 Years Tenure
Applicable Interest Rate
10.5%
Reducing Balance p.a.
Debt-To-Income (DTI)
0%
Ideal threshold is < 40%
Recommended Lenders
Dynamically matched with your credit profile and income slab.
Monthly Income Allocation
Salary vs Repayment Obligations
Monthly Payment Breakup
Reducing balance basis| Month | Opening Balance | EMI | Principal Paid | Interest Paid | Closing Balance |
|---|
Tailored Recommendations to Improve Eligibility
Frequently Asked Questions
Banks calculate loan eligibility primarily through Fixed Obligation to Income Ratio (FOIR). Most lenders allow total EMIs (existing + new) to be around 40% to 55% of your net monthly salary, depending on your income level and credit score.
No, absolutely not! This calculator operates completely offline in your web browser. It estimates eligibility without placing a formal query or hard inquiry on your credit bureau profile.
A CIBIL score of 750 or higher is considered ideal by major banks like HDFC, ICICI, and SBI, unlocking the lowest interest rates. However, specialized NBFCs and digital loan apps lend to individuals with scores starting from 650.
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