Most lenders allow 40–55% of net income toward all EMIs.
Results
Eligible loan amount
₹55,57,248
₹55.57 L
- Maximum EMI you can carry
- ₹50,000
- EMI headroom used by old loans
- ₹0
How this calculator works
Lenders cap the share of your net monthly income that can go toward EMIs — the Fixed Obligation to Income Ratio (FOIR), typically 40–55%. Your headroom after existing EMIs, annuitised over the tenure, is your eligible amount.
A co-applicant's income, a longer tenure or closing an old EMI are the standard levers to raise eligibility.
Results are estimates for planning, not guarantees or tax/investment advice. For a plan built around your goals, talk to our advisors — the consultation is free.
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