Home / Eligibility Checker

Smart Loan Eligibility Checker

Estimate how much you may be eligible to borrow based on your income, existing obligations, interest rate and tenure. Everything is calculated on your device.

Include all running loan and credit card EMIs.
50%
30%65%
Share of income lenders allow towards all EMIs. 40–55% is typical.
11%
5%24%

🎯

Enter your details and tap Check Eligibility to see your estimated maximum loan amount and affordable EMI.

How Eligibility Is Estimated

  • Affordable EMI BudgetWe apply your chosen FOIR (income share) to your net monthly income.
  • Subtract Existing EMIsCurrent obligations are deducted to find what's free for a new loan.
  • Reverse EMI FormulaThe remaining EMI budget, rate and tenure determine the maximum principal.
  • Your EstimateSee the indicative loan amount you may qualify for.

Tips to Improve Eligibility

📈 Higher Income

More disposable income raises your EMI budget.

🧾 Clear Debts

Closing existing EMIs frees up eligibility.

⏳ Longer Tenure

A longer tenure lowers EMI and raises the amount.

⭐ Good Credit

A strong score can secure lower interest rates.

Finzio is a calculator tool only. Actual eligibility is decided by lenders based on their policies and your full profile.