Home Loan Eligibility Calculator India
Check maximum home loan amount you can get based on salary, existing EMIs, and bank FOIR. SBI, HDFC, ICICI norms.
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Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
About Home Loan Eligibility Calculator India 2026
Calculate maximum home loan eligibility based on your monthly income, existing EMI obligations, and bank FOIR (Fixed Obligation to Income Ratio) norms. Most Indian banks allow 40-50% FOIR. Shows loan amount, EMI, and tenure options.
Home Loan Eligibility Calculator India 2026 is a free, browser-based utility that requires no login, no signup, and no installation. All processing happens entirely within your web browser using JavaScript — your data never leaves your device. The tool works on all screen sizes including mobile phones, tablets, and desktop computers.
How to use
- Enter your values in the input fields — results update instantly as you type.
- No submit button needed. The tool calculates in real time.
- Copy your result or share it via WhatsApp or Twitter using the buttons above.
- Use the workflow links below to chain into related tools for a complete task.
- All processing is browser-only. Nothing you enter is sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
BI, HDFC, ICICI norms: FOIR should not exceed 50% of net monthly income. Banks multiply net monthly income by 60-72 to get approximate loan eligibility (for 20-year tenure at ~8.5%).
Frequently asked questions
What is FOIR in home loans?
Fixed Obligation to Income Ratio — ratio of all monthly EMIs to net monthly income. Most banks cap FOIR at 40-50%. If your salary is ₹1L and existing EMIs are ₹20K, FOIR is 20% — you can afford additional EMI up to ₹30K.
How much home loan can I get on ₹1 lakh salary?
Approximately ₹55-65 lakh based on 50% FOIR, 8.5% rate, 20-year tenure. Exact amount depends on existing obligations and bank policy.
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