Personal Loan Eligibility Calculator
How much personal loan can you get?
Estimate your sanctionable personal loan using lender FOIR bands, minimum income thresholds and employer category — the three factors that decide both approval and the rate you are offered.
- checkFOIR bands applied
- checkEmployer category
- checkExisting EMI impact
Your Profile
Indicative Eligibility
₹18.37 L
₹42,750
50%
Set by your income band
An indicative estimate using published FOIR bands and tenure caps. Actual sanction depends on your credit score, employer, income stability, property valuation and the individual lender's policy. It is not an offer of credit.
See what lenders will actually offer you
Compare live offers from 40+ banks and NBFCs, check your eligibility without affecting your credit score, and complete the application online.
Loan products are arranged through our lending partner. FiveX Growth Realty is not a lender and does not sanction, underwrite or disburse credit. All approvals, interest rates and terms are at the sole discretion of the lending institution.
What Decides A Personal Loan Approval
With no collateral to fall back on, lenders assess personal loan applications almost entirely on your ability and willingness to repay. That means three things dominate: your credit score, your income relative to existing obligations, and who employs you.
The same applicant can be offered 11% by one lender and declined by another, because each maintains its own internal scorecard and list of approved employers.
Typical Lender Criteria
| Criterion | Typical requirement |
|---|---|
| Age | 21 to 60 years at loan maturity |
| Minimum net monthly income | ₹15,000 to ₹40,000 depending on city and lender |
| Credit score | 700 minimum; 750+ for the best pricing |
| Employment stability | 6 to 12 months in current job, 2 years total experience |
| FOIR ceiling | 40% to 55% of net income across all EMIs |
| Employer category | Listed, government and large private employers preferred |
Improving Your Odds Before Applying
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Pay down credit card balances
Utilisation above 30% of your limit drags your score down even when you pay in full. Clearing balances before the statement date is the fastest legitimate improvement available.
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Close a small existing loan
Every current EMI reduces the room available under your FOIR ceiling, rupee for rupee.
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Apply where you bank
Your salary account bank can see your income and spending directly, often pre-approves without fresh documentation, and prices better than a lender meeting you cold.
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Check your credit report first
Wrongly reported defaults and closed loans still showing open are common. Disputes take 30 to 45 days, so check well before you need the money.
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Apply once, not everywhere
Each formal application leaves a hard enquiry. Shortlist using soft checks, then submit a single application.
Frequently Asked Questions
What is the minimum salary for a personal loan?
Most lenders set ₹15,000 to ₹25,000 net monthly for smaller cities and ₹25,000 to ₹40,000 for metros. Some private banks and NBFCs go lower with correspondingly higher pricing. Meeting the minimum only gets you considered. The amount you can borrow is then set by your FOIR ceiling after existing obligations.
Can I get a personal loan with a low credit score?
Below 700 most banks decline. NBFCs may still lend, but at rates that can exceed 24%, which is expensive enough that it is usually worth spending three to six months repairing the score first. If the need is genuinely urgent, a gold loan or loan against securities has little or no credit score requirement and costs far less.
How much can I borrow?
Typically 10 to 24 times net monthly income, subject to your FOIR ceiling and the lender maximum. A ₹1 lakh monthly take-home with no existing EMIs commonly supports ₹15 to 25 lakh. Existing obligations reduce this directly — a ₹20,000 car EMI can cut personal loan eligibility by ₹8 to 10 lakh.
Does my employer really matter?
More than most applicants expect. Lenders maintain internal categorisations of employers, and a listed company or government position secures better pricing and higher eligibility than an identical salary at an unlisted firm. Some lenders will not lend at all to employees of companies not on their approved list, regardless of income.
Will this calculator affect my credit score?
No. It runs entirely in your browser, transmits nothing and does not touch your credit file. Only a formal application with a lender creates a hard enquiry on your report.
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