Free tool
Loan Eligibility Checker
Answer three questions, get your estimated eligibility in 60 seconds — with zero impact on your credit score.
Step 1 of 3
What do you need?
Good to know
Does this check affect my credit score?
No. This is a self-assessment using the same FOIR method banks use — no bureau inquiry happens. Your score is checked only when you formally apply with a chosen lender.
How do banks decide my eligibility?
Primarily by FOIR — the share of your income that can go to EMIs (typically 50–60%) — adjusted for existing obligations, then capitalised over the maximum tenure your age allows, at the product's rate.
How can I increase my eligibility?
Close small existing EMIs, add a co-applicant's income, choose a longer tenure, or improve your credit score above 750 for better rates. We advise on the best lever for your case, free.
Want exact offers, not estimates?
Share your profile once — we'll return sanctionable offers from multiple banks.