Check Loan Eligibility
Enter your income, existing EMIs, and employment type to instantly estimate how much home loan you qualify for.
Eligibility Calculator
Estimate how much home loan you can get based on your income and profile
🏠
Your result will appear here
Fill in your details and click “Check My Eligibility”
* This is an estimate only. Actual eligibility is determined by the bank based on your full profile.
How Is Loan Eligibility Calculated?
FOIR Rule
Banks allow a maximum of 40–50% of your gross monthly income to go towards all loan EMIs combined (existing + new). This is called FOIR — Fixed Obligation to Income Ratio.
CIBIL Score
A CIBIL score of 750+ gets the best rates and highest loan amounts. Scores below 700 reduce eligibility, and below 650 most banks will decline. We can advise on improving your score.
Co-Applicant Tip
Adding a co-applicant (spouse, parent) increases eligibility significantly — the bank combines both incomes to calculate FOIR. This is especially helpful for NRIs with a local co-applicant.
Ready to Get Your Loan Approved?
Submit a quick enquiry. Our advisor calls within 24 hours with the best offers from our bank partners — 100% free service.
Apply for a Loan — It's FreeSalaried • Self-Employed • NRI — All categories welcome