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Home → Eligibility Checkers → FOIR Calculator

FOIR Calculator

Calculate your Fixed Obligation to Income Ratio (FOIR) — the key metric banks use to decide your loan eligibility. — free, instant, no login required

FOIR (Fixed Obligation to Income Ratio) is the percentage of your monthly income that goes towards fixed financial obligations like loan EMIs and credit card payments. Banks use this to assess your repayment capacity.

₹60,000
Fixed monthly obligations
₹0
₹0
₹5,000
₹0
₹0
Your current FOIR
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Available for new loan EMI
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Below 30% — Excellent
Banks will happily approve. You can take larger loans at better rates.
30% – 40% — Good
Strong profile. Most loan types approved easily.
40% – 50% — Acceptable
Banks may approve with conditions. Avoid taking more loans.
50% – 60% — High
Difficult to get approval. Focus on reducing existing EMIs first.
Above 60% — Critical
Very unlikely to get loan approval. Urgently reduce obligations.

How to reduce your FOIR

Prepay high-interest loans: Close personal loans and credit card dues first — they have the highest rates and reduce FOIR quickly.
Increase income: A salary hike, side income, or rental income directly improves your FOIR ratio.
Avoid new loans before applying: Each new EMI increases FOIR. Plan your loan applications carefully.
Opt for longer tenure: A longer tenure on existing loans reduces the monthly EMI amount and your FOIR.

Other eligibility checkers

Home Loan Eligibility Checker
Check if you qualify for a home loan
Personal Loan Eligibility Checker
Check if you qualify for a personal loan
Business Loan Eligibility Checker
Check if your business qualifies for a loan
LTV Ratio Calculator
Calculate Loan to Value ratio for your property
Auto Loan Eligibility Checker
Check if you qualify for a car or vehicle loan
Professional Loan Eligibility Checker
Check loan eligibility for doctors, CAs and other professionals
Gold Loan Eligibility Checker
Check your gold loan eligibility and estimated amount
Top-up Loan Eligibility Checker
Check if you qualify for a top-up on your existing loan
🧮 All calculators → 📋 Apply for a loan →

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