Check Your Loan Eligibility
Find out the maximum loan amount you can apply for based on your income and financial obligations
Calculate Your Loan Eligibility
Enter your financial details to check how much loan you can apply for
Enter Your Details
Your Loan Eligibility
Financial Breakdown
No impact on credit score • Instant approval
Accurate Calculation
Based on your actual financial capacity and repayment ability
Instant Results
Get your eligibility amount calculated in real-time
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How is Loan Eligibility Calculated?
Learn how we determine your maximum loan amount
Your loan eligibility is calculated based on your disposable income after deducting all expenses and existing loan EMIs. We follow a simple formula to ensure you can comfortably repay the loan.
Calculation Steps:
Calculate Available Balance
Balance = Monthly Income - Existing EMIs - Monthly Expenses
Apply Eligibility Factor
Maximum Loan = Available Balance × 30% (Safety margin)
Result
You can apply for a loan up to the calculated amount
Example Calculation:
- •Monthly Income: ₹2,00,000
- •Existing Loan EMIs: ₹1,00,000
- •Monthly Expenses: ₹50,000
- •Available Balance: ₹2,00,000 - ₹1,00,000 - ₹50,000 = ₹50,000
- •Maximum Loan Amount: ₹50,000 × 30% = ₹15,000
Instant Results
Get your loan eligibility calculated instantly without any waiting
No Credit Check
Check eligibility without affecting your credit score
Realistic Amount
Get a loan amount that matches your repayment capacity
Tips to Improve Your Eligibility
Smart strategies to increase your loan eligibility
Increase Your Income
Higher monthly income directly increases your eligible loan amount
Reduce Existing EMIs
Close or prepay existing loans to free up more disposable income
Lower Monthly Expenses
Optimize your monthly expenses to increase available balance
Maintain Good Credit
A good credit score helps in getting better loan terms and amounts