Loan Eligibility Checker is now live on Tools.Town — estimate how much you could borrow for a home, car, or personal loan, using the same FOIR method lenders apply.
Informational estimate only — not a loan offer or financial advice. Actual eligibility depends on the lender’s policy, your credit score, and documentation.
What Does It Do?
FOIR Method
Caps EMIs at a share of income, just like lenders do.
Affordable EMI
Works out your EMI capacity after existing obligations.
Repayment Split
Shows the principal-vs-interest breakup over the tenure.
How It Works
Enter details
Income, existing EMIs, interest rate, and tenure.
Set FOIR
Adjust how much income can go toward EMIs.
See estimate
Get your eligible loan, EMI, and repayment breakup.
Why We Built It
Before applying for a loan it helps to know roughly how much a lender might offer — it sets realistic expectations and avoids wasted applications. Eligibility hinges on income, existing debts, rate, and tenure, and our loan eligibility guide explains exactly how each lever works.
Try It Now
Loan Eligibility Checker
Estimate the maximum loan from your income, EMIs, rate, and tenure using the FOIR method.
Also in finance tools: EMI Calculator and Loan Calculator.
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Frequently Asked Questions
What is FOIR?
Is this a loan approval?
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