Know Your Loan Eligibility Instantly

Precise EMI, interest, fees & net disbursal — all in one place.

100%Free to Use

PDFExport Ready

Affordability Calculator

Step 1 – Select Calculator

Choose Your Loan Type

Select a tab above, adjust your parameters and get an instant breakdown.

Affordability Calculator

Find out the maximum home loan you qualify for based on your income, obligations & lender norms.

Employment:

Monthly Gross Income₹1.00 L

₹

50K 1L 2L 5L 10L

₹10K₹2.5L₹5L₹7.5L₹10L

Existing EMI Obligations / Month₹0

₹

₹0₹1.25L₹2.5L₹3.75L₹5L

Interest Rate (% p.a.)

1%5%10%15%20%

Loan Tenure (Years)

1102030 yrs

FOIR / EMI-to-Income (%)

Co-applicant Income (₹/mo)

₹

Max Loan Eligible

₹-

Salaried — Standard FOIR

Combined Monthly Income₹-

Max Allowable EMI₹-

Available EMI (after obligations)₹-

Existing EMI Load₹-

Eligible Property Value (80% LTV) ₹-

Total Interest Payable₹-

Total Amount Payable₹-

FOIR Used-%

Min. Down-Payment Required (20%)

₹-

–

*FOIR = Fixed Obligation to Income Ratio. Lender norms vary by profile.

LOAN PLANNING MADE EASY

How to Use This Calculator

From estimate to application — plan every step with confidence

Select Loan Type

Check your loan eligibility instantly based on your income, expenses, and financial profile.

Enter Parameters

Adjust amount, rate and tenure using sliders or type directly — results update instantly

Review Breakdown

Get EMI, total interest, processing fee, net disbursal and a visual pie chart

Export & Apply

Download a PDF summary or click Apply to talk to a loan advisor immediately

Affordability Calculator — Loan Eligibility Planner

Indicative estimates only. Actual EMI, interest, fees and terms are subject to lender policies, CIBIL score, income verification and prevailing rates. Not financial advice.