Borrow Capacity Calculator — Calculations & Slabs for FY 2026-27

FOIR is a key metric used by banks to assess your loan eligibility. It represents the percentage of your monthly take-home salary that goes towards paying fixed obligations like EMIs and rent. Most banks restrict your maximum FOIR to 50% to 60% so you have enough income left for living expenses.

Lenders subtract your existing monthly EMIs (car loans, credit cards, personal loans) directly from your maximum eligible EMI budget. For example, if your FOIR budget allows an EMI of ₹40,000 and you already pay ₹10,000 in EMIs, your new maximum affordable EMI becomes ₹30,000, which drastically lowers your loan capacity.

You can increase your loan capacity by: 1) adding a co-applicant (spouse/parent) to combine incomes, 2) paying off existing high-interest short-term loans to free up your EMI budget, 3) opting for a longer tenure (e.g. 25-30 years) which lowers the monthly EMI per lakh borrowed.

In India, the RBI mandates that banks cannot fund 100% of a property purchase. The maximum Loan-to-Value (LTV) ratio is usually capped between 75% and 90% depending on the property value. Therefore, you are required to pay a minimum of 10% to 25% (typically 20%) of the agreement value upfront as a down payment.

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.