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How much loan can you get?
Enter a few numbers to estimate your loan eligibility in seconds. No personal details needed.
Profit after tax + depreciation, roughly
All running loans & card EMIs
You may be eligible for up to
₹38.6 L
- Affordable EMI
- ₹89,815/mo
- Income considered
- ₹1,50,000/mo
- Obligation ratio (FOIR) used
- 60% of income
An estimate only. Lenders also consider your CIBIL score, banking, collateral and business vintage.
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How lenders decide
What is FOIR?
FOIR (Fixed Obligation to Income Ratio) is the share of your monthly income that can go towards EMIs, including the new loan. Lenders typically allow 50–65%, depending on your income and profile.
What else affects my eligibility?
Your CIBIL score, business vintage, banking behaviour, GST filings, collateral and the lender's own policy for your industry all matter. A strong file can raise your eligibility considerably.
How can I increase my eligibility?
Close small loans, add an earning co-applicant, opt for a longer tenure, show all your income in your ITR, or offer collateral. We can suggest the best way for your case.
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