How much can you actually borrow?
This runs your numbers through the same matching rules our offer engine uses, against the same lending partners. No signup, no credit check.
About you
What actually reaches your bank account each month, after deductions.
Everything you already repay each month. Enter 0 if you have none.
Not knowing is fine — several partners lend without a credit history.
What that means
You could borrow up to
₹5,00,000
- Partners you would match
- 36 of 48
- Most you can afford monthly
- ₹17,500
- Best rate you would see
- null% p.a.
- EMI on ₹5,00,000 over 24 months
- —
An estimate, not an offer. Lenders make the final decision on their own criteria.
What lenders are actually looking at
Your income, against their floor
Every lender sets a minimum monthly income. Across our partners those floors run from ₹0 upwards. Below a partner’s floor you are not borderline — you are outside their policy, and applying will not help.
How much of your income is already committed
Lenders look at the proportion of your income that already goes on repayments — the fixed obligations to income ratio, or FOIR. As a working rule your total EMIs, including the new one, should not exceed about 50% of your take-home pay. That is the rule this calculator applies, and it is why someone earning ₹80,000 with ₹35,000 of existing EMIs can borrow less than someone earning ₹60,000 with none.
Your credit history
A score above 750 opens up the cheapest offers. Between 600 and 750 you will usually be approved but at a higher rate. Below 600, or with no history at all, your options narrow to the lenders who price for that risk — some of ours do, and the calculator will show you which. You can check your score free once a year with each of the four bureaus.
Your age and how long you have earned
Most personal loan lenders in India lend between 21 and 60, and many want to see at least six to twelve months in your current job or business.
What actually improves your position
- Clearing or consolidating an existing EMI frees up FOIR headroom immediately.
- Asking for less. A smaller loan over a longer tenure has a smaller instalment, and the instalment is what the affordability test measures.
- Six months of salary landing in the same bank account, if you are currently paid in cash.
- Paying down credit card balances — utilisation moves a score faster than almost anything else.
When you are ready for real numbers rather than an estimate, run the full check — it takes about two minutes and still involves no credit check.
Ready to see what you qualify for?
Answer a few questions and compare real offers from our lending partners. It is free, and comparing does not affect your credit score.