Loan Eligibility Calculator
Estimate eligible loan amount from income, obligations, tenure, and FOIR.
Privacy: Eligibility calculations run only in your browser. VCAPP.IN does not upload, store, log, or save income or loan details.
This is an estimate only. Actual loan eligibility depends on lender policy, age, credit score, employer or business profile, collateral, documents, and existing liabilities.
Loan Eligibility Calculator for fast online work
Use this loan eligibility calculator to estimate how much loan you may qualify for based on income, existing obligations, tenure, and lender FOIR assumptions.
What this tool helps with
- Estimates maximum allowed EMI from income and FOIR.
- Deducts existing monthly obligations.
- Calculates eligible loan amount from EMI, rate, and tenure.
- Shows income usage and affordability bars.
- Downloads loan eligibility summary as CSV.
Loan Eligibility Calculator FAQs
What is FOIR?
FOIR means fixed obligation to income ratio. Lenders use it to estimate how much of income can go toward EMIs.
Is this approval guaranteed?
No. Eligibility also depends on credit score, employer profile, age, collateral, bank policy, and documentation.
Can I include existing EMIs?
Yes. Enter existing monthly EMIs or obligations to estimate remaining EMI capacity.