Estimate how much you can borrow based on your income and existing obligations, and plan your loan with clarity before you apply.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how your monthly payment is split between principal and interest.
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Your EMI Breakup
See how much you can borrow, and how the repayment splits between principal and interest.
Monthly EMI (₹) for a ₹1 lakh loan at different interest rates and tenures. Multiply by your loan amount in lakhs for your EMI estimate.
| Interest Rate | 1 Year | 2 Years | 3 Years | Popular Tenure5 Years | Lowest EMI7 Years |
|---|---|---|---|---|---|
| 9% p.a. | ₹8,745 | ₹4,568 | ₹3,180 | ₹2,076 | ₹1,609 |
| 10% p.a. | ₹8,792 | ₹4,614 | ₹3,227 | ₹2,125 | ₹1,660 |
| 11% p.a. | ₹8,838 | ₹4,661 | ₹3,274 | ₹2,174 | ₹1,712 |
| 12% p.a. | ₹8,885 | ₹4,707 | ₹3,321 | ₹2,224 | ₹1,765 |
| 13% p.a. | ₹8,932 | ₹4,754 | ₹3,369 | ₹2,275 | ₹1,819 |
At Glance
₹1,609
Lowest monthly EMI shown (7 Years @ 9%)
₹2,076
EMI at 9% for 5 Years (per ₹1 lakh)
₹2,275
EMI at 13% for 5 Years (per ₹1 lakh)
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We evaluate your balance sheet, GST returns, CIBIL score, and debt service capacity within 2 hours.
Our in-house credit managers draft the CMA report and business proposal compliant with bank underwriting norms.
We pitch your application to matching PSU, private lenders, and NBFCs to negotiate the lowest interest rate.
Secure the official In-Principle Sanction Letter with maximum eligible limit and optimal tenure covenants.
Final documentation, mortgage/hypothecation filing, and immediate disbursement into your current account.
Direct institutional tie-ups ensure optimal interest rate bids for your loan file.
Explore a wide range of banking products tailored to your financial needs, with competitive rates, flexible terms, and expert guidance to help you make smarter financial decisions.
Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Turn your dream home into reality.
Drive your new car home today.
Protect what matters most.
Grow your wealth over time.
Explore a wide range of banking products tailored to your financial needs, with competitive rates, flexible terms, and expert guidance to help you make smarter financial decisions.
Explore expert insights, practical tips, and the latest updates on loans to make informed financial decisions with confidence.
Understand the key factors lenders consider and take practical steps to strengthen your loan eligibility and improve your chances of approval.
Read More: How to Improve Your Overall Loan Eligibility
A Loan Eligibility Calculator is a simple online tool that helps you estimate how much you may be able to borrow. By entering your monthly income, existing EMIs, expected interest rate and preferred tenure, you can get an approximate loan amount along with the maximum EMI you can afford.
It helps you set realistic expectations before applying for a loan, compare different scenarios and choose a loan amount that fits your repayment capacity.
Loan eligibility is the maximum loan amount a lender may be willing to offer you based on your income and existing financial commitments.
Lenders mainly look at two things:
FOIR: The share of your monthly income that can go towards all EMIs (Fixed Obligation to Income Ratio).
Existing EMIs: Current loan repayments that reduce how much new EMI you can take on.
Your credit score, employment type, age and the lender's own policies also affect the final amount offered.
In simple terms:
Affordable EMI = (Monthly Income × FOIR) − Existing EMIs
Your eligible loan amount is generally worked out from the EMI you can afford, using the reverse EMI formula:
Loan Amount = EMI × [(1 + R)ⁿ - 1] / [R × (1 + R)ⁿ]……
