---
type: "tool"
title: "Loan Eligibility Calculator"
description: "Free loan eligibility calculator — estimate the maximum loan amount you qualify for based on income, existing EMIs, and FOIR."
resource: "https://www.gstcalculators.in/loan-eligibility-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# Loan Eligibility Calculator

Free loan eligibility calculator — estimate the maximum loan amount you qualify for based on income, existing EMIs, and FOIR.

- Canonical page: [Loan Eligibility Calculator](https://www.gstcalculators.in/loan-eligibility-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Tax and Loan Calculators](../categories/taxloan.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### What is FOIR?

Fixed Obligation to Income Ratio — the percentage of your monthly income that can go toward all loan EMIs combined. Lenders typically cap this at 40-55%.

### How is maximum loan amount calculated?

Lenders work backward from your maximum affordable EMI (income × FOIR% − existing EMIs) using the standard EMI formula to determine the loan principal you can support.

### Does credit score affect loan eligibility?

Yes significantly — a strong credit score (750+) can get you better rates and sometimes a higher FOIR allowance, while a weak score can reduce eligibility or increase your rate, changing the final amount.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).