Loan Eligibility & EMI Calculator
Estimate your borrowing limit. See exactly how your repayments add up.
View automatic calculation breakdown
Amortization Schedule
Month-wise breakdown grouped by calendar year
Calculations retain full precision; displayed amounts are rounded. Rounded rows may not add up exactly to rounded totals. The final installment clears the balance. The chosen month labels the first full monthly repayment period; partial-month interest is not modelled.
Rates, rules & calculation notesFrom the provided P2S workbook — not a live lender-rate feed
Salaried: maximum age 65. Self Employed and Self Employed Professional: 75. Personal and Business loans: 60 for every profile. Other profiles require policy verification for profile-based products. Eligible tenure is the lower of remaining age-based years and the product maximum.
Available EMI = monthly income × FOIR, minus existing obligations, 1% of gold loan outstanding, and 5% of credit card outstanding. Negative capacity is set to zero. Avoid entering the same gold/card liability again as an existing monthly obligation.
When applicable, the cap is property value × LTV. Final eligibility is the lower of this cap and income-based eligibility. Home guidance: 90%, 85%, 80%, 75%, 70%. Mortgage guidance: 75%, 70%, 65%, 60%, 55%, 50%, 40%. Other products: normally not applicable.
No additional credit-score cutoff is invented. Property type does not change pricing in the workbook. All products use the workbook's fixed-rate EMI-equivalent method; an actual overdraft, education loan or project facility may have a different repayment structure.
| Loan type | Starting rate p.a. | Maximum years | Age rule |
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View the workbook's ₹1 lakh EMI reference chart
Rates from 7.00% to 14.00% in 0.25% increments, for 1–30 years. These are the rounded reference values from the workbook. Eligibility uses the exact selected rate and tenure, not this rounded table. Scroll sideways to see all years.
Monthly EMI = P × r / [1 − (1 + r)−n]P is the principal, r is annual interest / 12, and n is the number of monthly payments. At 0% interest, EMI = P / n. This corresponds to Excel's end-of-period -PMT(annualRate / 12, months, principal)Microsoft PMT reference. The main eligibility calculation follows cells F5:F17 and B21 of the provided workbook; no minimum customer age or extra lender criteria have been added.
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